Common use of By__________________________ Clause in Contracts

By__________________________. The undersigned, as "Depository", hereby certifies that the above described account has been established under Account Number ___________________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation to the extent available under applicable law. ----------------------------- (name of Depository) By_________________________ EXHIBIT C ESCROW ACCOUNT LETTER AGREEMENT To: --------------------------------------- --------------------------------------- --------------------------------------- (the "Depository") As servicer under the Master Flow Sale and Servicing Agreement, dated as of August 1, 2003 Mortgage Loans, Group No. ______ (the "Agreement"), GMAC Mortgage Corporation (the "Company") hereby authorizes and requests you to certify that an account exists titled "GMAC Mortgage Corporation, in trust for the Owner as indicated on GMAC Mortgage Corporation's records and various mortgagors." All deposits in the account shall be subject to withdrawal therefrom by order signed by the Company. This letter is submitted to you in duplicate. Please execute and return one original to us. GMAC Mortgage Corporation

By__________________________. The undersigned, as "“Depository"”, hereby certifies that the above described account has been established under Account Number ___________________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation to the extent available under applicable law. ----------------------------- _____________________________ (name of Depository) By_________________________ EXHIBIT C ESCROW ACCOUNT LETTER AGREEMENT To: --------------------------------------- --------------------------------------- --------------------------------------- _____________________________________ _____________________________________ _____________________________________ (the "“Depository"”) As servicer “Company” under the Master Flow Sale and Servicing Agreement, dated as of August 1_____________, 2003 __________ Mortgage Loans, Group No. ______ (the "“Agreement"”), GMAC Mortgage Corporation (the "Company") we hereby authorizes authorize and requests request you to certify that an account exists titled "“GMAC Mortgage Corporation, in trust for the Owner as indicated on GMAC Mortgage Corporation's ’s records and various mortgagors." ” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Company. This letter is submitted to you in duplicate. Please execute and return one original to us. GMAC Mortgage Corporation