Common use of et seq Clause in Contracts

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; 2000 amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Certificates Offered Certificates S&P Mxxxx’x Class I-A-1 AAA Aaa Class I-A-2 AAA Aaa Class I-A-3 AAA Aaa Class I-X-1 AAA Aaa Class I-M-X AA Aa2 Class I-B-1 AA Aa2 Class I-B-2 A+ A2 Class I-B-3 BBB Baa2 Class R AAA NR None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT K FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Deutsche Bank National Trust Company, a banking corporation, having a place of business at 1000 X. Xx. Xxxxxx Xxxxx, Santa Ana, California, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of November 1, 2005, by and among Structured Asset Mortgage Investments II Inc., the Trustee and MortgageIT, Inc. (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement” capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the MortgageIT Trust 2005-AR1, Mortgage Pass-Through Certificates, Series 2005-AR15, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only: The modification or re-recording of any Mortgage Document for the purpose of correcting it to conform to the original intent of the parties thereto or to correct title errors discovered after title insurance was issued and where such modification or re-recording does not adversely affect the lien under the Mortgage Document as insured.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Moody’s S&P Class I-A AAA AAA Class I-A-IO AAA AAA Class II-A AAA AAA Class II-A-IO AAA AAA Class III-A AAA AAA Class III-A-IO AAA AAA Class IV-A AAA AAA Class IV-A-IO AAA AAA Class V-A AAA AAA Class V-A-IO AAA AAA Class M-1 Aa2 AA Class M-2 A2 A Class M-3 Baa2 BBB None of the above ratings has been lowered since the respective dates of such letters. KKR MORTGAGE LOAN PURCHASE AGREEMENT MORTGAGE LOAN PURCHASE AGREEMENT, dated as of October 31, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between KKR FINANCIAL MORTGAGE CORP., a Maryland corporation (the “Seller”), and XXXXXXX XXXXX MORTGAGE INVESTORS, INC., a Delaware corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Mortgage Loans”) as described on Annex I. The Purchaser intends to deposit the Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLCC 2005-3 (the “Certificates”), under a pooling and servicing agreement, to be dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, Wachovia Bank, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Xxxxx’x S&P Class I-A AAA AAA Class I-A-IO AAA AAA Class II-A AAA AAA Class II-A-IO AAA AAA Class III-A AAA AAA Class III-A-IO AAA AAA Class IV-A AAA AAA Class IV-A-IO AAA AAA Class V-A AAA AAA Class V-A-IO AAA AAA Class M-1 Aa2 AA Class M-2 A2 A Class M-3 Baa2 BBB None of the above ratings has been lowered since the respective dates of such letters. EXHIBIT K FORM OF CERTIFICATION TO BE PROVIDED BY THE MASTER SERVICER WITH FORM 10-K Re: Xxxxxxx Xxxxx Mortgage Investors, Inc. Mortgage Pass-Through Certificates, Series MLCC 2005-3 I, [identify the certifying individual], certify that:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Moody’s S&P Class A AAA AAA Class A-IO AAA AAA Class M-1 Aa2 AA Class M-2 A2 A Class X-0 Xxx0 XXX Class M-IO Baa2 BBB None of the above ratings has been lowered since the respective dates of such letters. KKR MORTGAGE LOAN PURCHASE AGREEMENT MORTGAGE LOAN PURCHASE AGREEMENT, dated as of December 22, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between KKR FINANCIAL MORTGAGE CORP., a Maryland corporation (the “Seller”), and XXXXXXX XXXXX MORTGAGE INVESTORS, INC., a Delaware corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Mortgage Loans”) as described on Annex I. The Purchaser intends to deposit the Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLMI 2005-A10 (the “Certificates”), under a pooling and servicing agreement, to be dated as of December 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, HSBC Bank USA, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November December 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November December 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT X-1 Exhibit: Standard File Layout – Delinquency Reporting Column/Header Name Description Decimal Format Comment SERVICER_LOAN_NBR A unique number assigned to a loan by the Servicer. This may be different than the LOAN_NBR LOAN_NBR A unique identifier assigned to each loan by the originator. CLIENT_NBR Servicer Client Number SERV_INVESTOR_NBR Contains a unique number as assigned by an external servicer to identify a group of loans in their system. BORROWER_FIRST_NAME First Name of the Borrower. BORROWER_LAST_NAME Last name of the borrower. PROP_ADDRESS Street Name and Number of Property PROP_STATE The state where the property located. PROP_ZIP Zip code where the property is located. BORR_NEXT_PAY_DUE_DATE The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer. MM/DD/YYYY LOAN_TYPE Loan Type (i.e. FHA, VA, Conv) BANKRUPTCY_FILED_DATE The date a particular bankruptcy claim was filed. MM/DD/YYYY BANKRUPTCY_CHAPTER_CODE The chapter under which the bankruptcy was filed. BANKRUPTCY_CASE_NBR The case number assigned by the court to the bankruptcy filing. POST_PETITION_DUE_DATE The payment due date once the bankruptcy has been approved by the courts MM/DD/YYYY BANKRUPTCY_DCHRG_DISM_DATE The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted. MM/DD/YYYY LOSS_MIT_APPR_DATE The Date The Loss Mitigation Was Approved By The Servicer MM/DD/YYYY LOSS_MIT_TYPE The Type Of Loss Mitigation Approved For A Loan Such As; LOSS_MIT_EST_COMP_DATE The Date The Loss Mitigation /Plan Is Scheduled To End/Close MM/DD/YYYY LOSS_MIT_ACT_COMP_DATE The Date The Loss Mitigation Is Actually Completed MM/DD/YYYY FRCLSR_APPROVED_DATE The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings. MM/DD/YYYY ATTORNEY_REFERRAL_DATE Date File Was Referred To Attorney to Pursue Foreclosure MM/DD/YYYY FIRST_LEGAL_DATE Notice of 1st legal filed by an Attorney in a Foreclosure Action MM/DD/YYYY FRCLSR_SALE_EXPECTED_DATE The date by which a foreclosure sale is expected to occur. MM/DD/YYYY FRCLSR_SALE_DATE The actual date of the foreclosure sale. MM/DD/YYYY FRCLSR_SALE_AMT The amount a property sold for at the foreclosure sale. 2 No commas(,) or dollar signs ($) EVICTION_START_DATE The date the servicer initiates eviction of the borrower. MM/DD/YYYY EVICTION_COMPLETED_DATE The date the court revokes legal possession of the property from the borrower. MM/DD/YYYY LIST_PRICE The price at which an REO property is marketed. 2 No commas(,) or dollar signs ($) LIST_DATE The date an REO property is listed at a particular price. MM/DD/YYYY OFFER_AMT The dollar value of an offer for an REO property. 2 No commas(,) or dollar signs ($) OFFER_DATE_TIME The date an offer is received by DA Admin or by the Servicer. MM/DD/YYYY REO_CLOSING_DATE The date the REO sale of the property is scheduled to close. MM/DD/YYYY REO_ACTUAL_CLOSING_DATE Actual Date Of REO Sale MM/DD/YYYY OCCUPANT_CODE Classification of how the property is occupied. PROP_CONDITION_CODE A code that indicates the condition of the property. PROP_INSPECTION_DATE The date a property inspection is performed. MM/DD/YYYY APPRAISAL_DATE The date the appraisal was done. MM/DD/YYYY CURR_PROP_VAL The current "as is" value of the property based on brokers price opinion or appraisal. 2 REPAIRED_PROP_VAL The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal. 2 If applicable: DELINQ_STATUS_CODE FNMA Code Describing Status of Loan DELINQ_REASON_CODE The circumstances which caused a borrower to stop paying on a loan. Code indicates the reason why the loan is in default for this cycle. MI_CLAIM_FILED_DATE Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company. MM/DD/YYYY MI_CLAIM_AMT Amount of Mortgage Insurance Claim Filed No commas(,) or dollar signs ($) MI_CLAIM_PAID_DATE Date Mortgage Insurance Company Disbursed Claim Payment MM/DD/YYYY MI_CLAIM_AMT_PAID Amount Mortgage Insurance Company Paid On Claim 2 No commas(,) or dollar signs ($) POOL_CLAIM_FILED_DATE Date Claim Was Filed With Pool Insurance Company MM/DD/YYYY POOL_CLAIM_AMT Amount of Claim Filed With Pool Insurance Company 2 No commas(,) or dollar signs ($) POOL_CLAIM_PAID_DATE Date Claim Was Settled and The Check Was Issued By The Pool Insurer MM/DD/YYYY POOL_CLAIM_AMT_PAID Amount Paid On Claim By Pool Insurance Company 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_FILED_DATE Date FHA Part A Claim Was Filed With HUD MM/DD/YYYY FHA_PART_A_CLAIM_AMT Amount of FHA Part A Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_PAID_DATE Date HUD Disbursed Part A Claim Payment MM/DD/YYYY FHA_PART_A_CLAIM_PAID_AMT Amount HUD Paid on Part A Claim 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_FILED_DATE Date FHA Part B Claim Was Filed With HUD MM/DD/YYYY FHA_PART_B_CLAIM_AMT Amount of FHA Part B Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_PAID_DATE Date HUD Disbursed Part B Claim Payment MM/DD/YYYY FHA_PART_B_CLAIM_PAID_AMT Amount HUD Paid on Part B Claim 2 No commas(,) or dollar signs ($) VA_CLAIM_FILED_DATE Date VA Claim Was Filed With the Veterans Admin MM/DD/YYYY VA_CLAIM_PAID_DATE Date Veterans Admin. Disbursed VA Claim Payment MM/DD/YYYY VA_CLAIM_PAID_AMT Amount Veterans Admin. Paid on VA Claim 2 No commas(,) or dollar signs ($)

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Laws §§ 34-25.2-1 et seq. Effective December 31, 2006. High Cost Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan Tennessee Tennessee Home Loan Protection Act, Tenn. Code Xxx. §§ 00-00-000 et seq. Effective January 1, 2007. High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-58- 21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan Revised 03/01/07

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A SUBSEQUENT MORTGAGE LOAN SCHEDULE (Provided Upon Request) EXHIBIT O FORM OF SUBSEQUENT TRANSFER INSTRUMENT Pursuant to this Subsequent Transfer Instrument, dated [_______], 2005 (the “Instrument ”), between Bear Xxxxxxx Asset Backed Securities I LLC (the “Seller”), and Citibank, N.A., not individually but solely as trustee (in such capacity, the “Trustee”) under the Pooling and Servicing Agreement, dated as of September 1, 2005 (the “Agreement”), among the Seller as depositor, EMC Mortgage Corporation as a seller and company, LaSalle Bank National Association as master servicer and securities administrator and the Trustee as trustee, the Seller and the Trustee, pursuant to the Agreement, agree to the sale by the Seller and the purchase by the Trustee of the Subsequent Mortgage Loans listed on the attached Exhibit 1 (the “Subsequent Mortgage Loans”). Capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Agreement.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S & P Xxxxx’x Fitch I-A-1 AAA Aaa AAA I-A-3 AAA Aaa AAA II-A-1 AAA Aaa AAA II-A-2 AAA Aaa AAA M-1 AAA -- AAA M-2 AA -- AA M-3 A -- A M-4 A- -- A- M-5 BBB+ -- BBB+ M-6 BBB -- BBB M-7 BBB- -- BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S & P Xxxxx’x Xxxxx XX Not Rated Not Rated Not Rated P Not Rated Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class S&P/Xxxxx’x/Fitch X-0 XXX/Xxx/XXX X-0 XXX/Xxx/XXX X-0 XXX-/Xx0/XXX X-0 XXX-/Xxx0/XXX X-0 BB+/Ba1/BBB- B-2 BB/Ba2/BB+ B-3 BB-/--/BB B-4 B+/--/B+ None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Non-Offered Certificates Class Xxxxx’x/Fitch S Not Rated E Not Rated R Not Rated SCHEDULE B MORTGAGE LOAN SCHEDULE

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan [RESERVED] EXHIBIT K FORM CERTIFICATION TO BE PROVIDED BY THE MASTER SERVICER WITH FORM 10-K Re: Xxxxxxx Xxxxx Mortgage Investors, Inc. Mortgage Pass-Through Certificates, Series 2005-A5 I, [identify the certifying individual], certify that:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Laws §§ 34-25.2-1 et seq. Effective December 31, 2006 High Cost Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan Tennessee Tennessee Home Loan Protection Act, Tenn. Code Axx. §§ 40-00-000 et seq. Effective January 1, 2007. High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. - March 6, 2003) Georgia Fair Lending Act2000 Xxxxxxx Xxxx Xxxxxxx Xxx, Ga. Xx. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT G FORM 10-D, FORM 8-K AND FORM 10-K REPORTING RESPONSIBILITY As to each item described below, the entity indicated as the Responsible Party shall be primarily responsible for reporting the information to the party identified as responsible for preparing the Securities Exchange Act Reports pursuant to Section 5.06(a)(ii). Under Item 1 of Form 10-D: a) items marked “monthly statement” are required to be included in the periodic Distribution Date statement under Section 5.02, provided by the Securities Administrator based on information received from the Master Servicer; and b) items marked “Form 10-D report” are required to be in the Form 10-D report but not the monthly statement, provided by the party indicated. Information under all other Items of Form 10-D is to be included in the Form 10-D report. Form Item Description Servicers Master Servicer Securities Administrator Custodian Trustee Depositor Sponsor 10-D Must be filed within 15 days of the distribution date for the asset-backed securities.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Xxxxx’x A-1 AAA Aaa A-2 AAA Aaa A-3 AAA Aaa M-1 AA Aa2 M-2 A+ A2 X-0 X X0 X-0 X- Xxx0 M-5 BBB+ Baa2 M-6 BBB Baa3 X-0 XXX- Xx0 Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Xxxxx’x M-8 BB+ Ba2 CE Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; , amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAnn. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker Broker, and Servicer Act, W. Va. VA. Code XxxAnn. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 2000–(Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAnn. §§ 7-6A-1 et seq. Covered Loan Effective October 1, 2002 – 2002–March 6, 2003 Covered Loan 2003. New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Covered Home Loan Effective November 27, 2003 – 2003–July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. Oct 1, 2002 – 2002–Mar. 6, 2003) 2003 Georgia Fair Lending Act, Ga. Code XxxAnn. §§ 7-6A-1 et seqetseq. Home Loan Effective October 1, 2002 – 2002–March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Home Loan Effective for loans closed on or after November 27, 2003 Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Home Loan Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan 26 2004. North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Consumer Home Loan Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan ). South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAnn. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2004

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxHigh Cost Home Loan Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Axx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Mxxxx’x S&P A-3 Aa1 AAA M-1 Aa2 AA M-2 A1 A+ M-3 A2 A B-2 Baa1 BBB+ B-3 Baa2 BBB B-4 Baa3 BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Mxxxx’x C Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July September 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November December 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November December 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July September 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan Exhibit: Standard File Layout – Delinquency Reporting Column/Header Name Description Decimal Format Comment SERVICER_LOAN_NBR A unique number assigned to a loan by the Servicer. This may be different than the LOAN_NBR LOAN_NBR A unique identifier assigned to each loan by the originator. CLIENT_NBR Servicer Client Number SERV_INVESTOR_NBR Contains a unique number as assigned by an external servicer to identify a group of loans in their system. BORROWER_FIRST_NAME First Name of the Borrower. BORROWER_LAST_NAME Last name of the borrower. PROP_ADDRESS Street Name and Number of Property PROP_STATE The state where the property located. PROP_ZIP Zip code where the property is located. BORR_NEXT_PAY_DUE_DATE The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer. MM/DD/YYYY LOAN_TYPE Loan Type (i.e. FHA, VA, Conv) BANKRUPTCY_FILED_DATE The date a particular bankruptcy claim was filed. MM/DD/YYYY BANKRUPTCY_CHAPTER_CODE The chapter under which the bankruptcy was filed. BANKRUPTCY_CASE_NBR The case number assigned by the court to the bankruptcy filing. POST_PETITION_DUE_DATE The payment due date once the bankruptcy has been approved by the courts MM/DD/YYYY BANKRUPTCY_DCHRG_DISM_DATE The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted. MM/DD/YYYY LOSS_MIT_APPR_DATE The Date The Loss Mitigation Was Approved By The Servicer MM/DD/YYYY LOSS_MIT_TYPE The Type Of Loss Mitigation Approved For A Loan Such As; LOSS_MIT_EST_COMP_DATE The Date The Loss Mitigation /Plan Is Scheduled To End/Close MM/DD/YYYY LOSS_MIT_ACT_COMP_DATE The Date The Loss Mitigation Is Actually Completed MM/DD/YYYY FRCLSR_APPROVED_DATE The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings. MM/DD/YYYY ATTORNEY_REFERRAL_DATE Date File Was Referred To Attorney to Pursue Foreclosure MM/DD/YYYY FIRST_LEGAL_DATE Notice of 1st legal filed by an Attorney in a Foreclosure Action MM/DD/YYYY FRCLSR_SALE_EXPECTED_DATE The date by which a foreclosure sale is expected to occur. MM/DD/YYYY FRCLSR_SALE_DATE The actual date of the foreclosure sale. MM/DD/YYYY FRCLSR_SALE_AMT The amount a property sold for at the foreclosure sale. 2 No commas(,) or dollar signs ($) EVICTION_START_DATE The date the servicer initiates eviction of the borrower. MM/DD/YYYY EVICTION_COMPLETED_DATE The date the court revokes legal possession of the property from the borrower. MM/DD/YYYY LIST_PRICE The price at which an REO property is marketed. 2 No commas(,) or dollar signs ($) LIST_DATE The date an REO property is listed at a particular price. MM/DD/YYYY OFFER_AMT The dollar value of an offer for an REO property. 2 No commas(,) or dollar signs ($) OFFER_DATE_TIME The date an offer is received by DA Admin or by the Servicer. MM/DD/YYYY REO_CLOSING_DATE The date the REO sale of the property is scheduled to close. MM/DD/YYYY REO_ACTUAL_CLOSING_DATE Actual Date Of REO Sale MM/DD/YYYY OCCUPANT_CODE Classification of how the property is occupied. PROP_CONDITION_CODE A code that indicates the condition of the property. PROP_INSPECTION_DATE The date a property inspection is performed. MM/DD/YYYY APPRAISAL_DATE The date the appraisal was done. MM/DD/YYYY CURR_PROP_VAL The current "as is" value of the property based on brokers price opinion or appraisal. 2 REPAIRED_PROP_VAL The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal. 2 If applicable: DELINQ_STATUS_CODE FNMA Code Describing Status of Loan DELINQ_REASON_CODE The circumstances which caused a borrower to stop paying on a loan. Code indicates the reason why the loan is in default for this cycle. MI_CLAIM_FILED_DATE Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company. MM/DD/YYYY MI_CLAIM_AMT Amount of Mortgage Insurance Claim Filed No commas(,) or dollar signs ($) MI_CLAIM_PAID_DATE Date Mortgage Insurance Company Disbursed Claim Payment MM/DD/YYYY MI_CLAIM_AMT_PAID Amount Mortgage Insurance Company Paid On Claim 2 No commas(,) or dollar signs ($) POOL_CLAIM_FILED_DATE Date Claim Was Filed With Pool Insurance Company MM/DD/YYYY POOL_CLAIM_AMT Amount of Claim Filed With Pool Insurance Company 2 No commas(,) or dollar signs ($) POOL_CLAIM_PAID_DATE Date Claim Was Settled and The Check Was Issued By The Pool Insurer MM/DD/YYYY POOL_CLAIM_AMT_PAID Amount Paid On Claim By Pool Insurance Company 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_FILED_DATE Date FHA Part A Claim Was Filed With HUD MM/DD/YYYY FHA_PART_A_CLAIM_AMT Amount of FHA Part A Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_PAID_DATE Date HUD Disbursed Part A Claim Payment MM/DD/YYYY FHA_PART_A_CLAIM_PAID_AMT Amount HUD Paid on Part A Claim 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_FILED_DATE Date FHA Part B Claim Was Filed With HUD MM/DD/YYYY FHA_PART_B_CLAIM_AMT Amount of FHA Part B Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_PAID_DATE Date HUD Disbursed Part B Claim Payment MM/DD/YYYY FHA_PART_B_CLAIM_PAID_AMT Amount HUD Paid on Part B Claim 2 No commas(,) or dollar signs ($) VA_CLAIM_FILED_DATE Date VA Claim Was Filed With the Veterans Admin MM/DD/YYYY VA_CLAIM_PAID_DATE Date Veterans Admin. Disbursed VA Claim Payment MM/DD/YYYY VA_CLAIM_PAID_AMT Amount Veterans Admin. Paid on VA Claim 2 No commas(,) or dollar signs ($) Exhibit 2: Standard File Codes – Delinquency Reporting The Loss Mit Type field should show the approved Loss Mitigation Code as follows: • ASUM- Approved Assumption • BAP- Borrower Assistance Program • CO- Charge Off • DIL- Deed-in-Lieu • FFA- Formal Forbearance Agreement • MOD- Loan Modification • PRE- Pre-Sale • SS- Short Sale • MISC- Anything else approved by the PMI or Pool Insurer NOTE: Xxxxx Fargo Bank will accept alternative Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other than those above are used, the Servicer must supply Xxxxx Fargo Bank with a description of each of the Loss Mitigation Types prior to sending the file. The Occupant Code field should show the current status of the property code as follows: • Mortgagor • Tenant • Unknown • Vacant The Property Condition field should show the last reported condition of the property as follows: • Damaged • Excellent • Fair • Gone • Good • Poor • Special Hazard • Unknown

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT K FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE This certificate is being delivered pursuant to Section 3.16 of the Pooling and Servicing Agreement, dated as of October 1, 2005 (the “Agreement”), among Bear Xxxxxxx Asset Backed Securities I LLC, as depositor (the “Depositor”), EMC Mortgage Corporation as a seller (in that capacity, a “Seller”) and as master servicer (in that capacity, the “Master Servicer”) and LaSalle Bank National Association as trustee (the “Trustee”). Capitalized terms used herein and not otherwise defined have the meanings set forth in the Agreement. I, [identify the certifying individual], on behalf of LaSalle Bank National Association, as trustee (the “Trustee”) certify that:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Laws §§ 34-25.2-1 et seq. Effective December 31, 2006. High Cost Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan Tennessee Tennessee Home Loan Protection Act, Tenn. Code Xxx. §§ 00-00-000 et seq. Effective January 1, 2007. High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT L-3 EMC SUBSEQUENT MORTGAGE LOAN PURCHASE AGREEMENT SUBSEQUENT MORTGAGE LOAN PURCHASE AGREEMENT, dated as of December 30, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between EMC MORTGAGE CORPORATION, a Delaware corporation (the “Seller”), and XXXXXXX XXXXX MORTGAGE INVESTORS, INC., a Delaware corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Subsequent Mortgage Loans”) as described on Annex I. The Purchaser intends to deposit the Subsequent Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLMI 2005-A10 (the “Certificates”), under a pooling and servicing agreement, to be dated as of December 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, HSBC Bank USA, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan Exhibit: Standard File Layout – Delinquency Reporting Column/Header Name Description Decimal Format Comment SERVICER_LOAN_NBR A unique number assigned to a loan by the Servicer. This may be different than the LOAN_NBR LOAN_NBR A unique identifier assigned to each loan by the originator. CLIENT_NBR Servicer Client Number SERV_INVESTOR_NBR Contains a unique number as assigned by an external servicer to identify a group of loans in their system. BORROWER_FIRST_NAME First Name of the Borrower. BORROWER_LAST_NAME Last name of the borrower. PROP_ADDRESS Street Name and Number of Property PROP_STATE The state where the property located. PROP_ZIP Zip code where the property is located. BORR_NEXT_PAY_DUE_DATE The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer. MM/DD/YYYY LOAN_TYPE Loan Type (i.e. FHA, VA, Conv) BANKRUPTCY_FILED_DATE The date a particular bankruptcy claim was filed. MM/DD/YYYY BANKRUPTCY_CHAPTER_CODE The chapter under which the bankruptcy was filed. BANKRUPTCY_CASE_NBR The case number assigned by the court to the bankruptcy filing. POST_PETITION_DUE_DATE The payment due date once the bankruptcy has been approved by the courts MM/DD/YYYY BANKRUPTCY_DCHRG_DISM_DATE The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted. MM/DD/YYYY LOSS_MIT_APPR_DATE The Date The Loss Mitigation Was Approved By The Servicer MM/DD/YYYY LOSS_MIT_TYPE The Type Of Loss Mitigation Approved For A Loan Such As; LOSS_MIT_EST_COMP_DATE The Date The Loss Mitigation /Plan Is Scheduled To End/Close MM/DD/YYYY LOSS_MIT_ACT_COMP_DATE The Date The Loss Mitigation Is Actually Completed MM/DD/YYYY FRCLSR_APPROVED_DATE The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings. MM/DD/YYYY ATTORNEY_REFERRAL_DATE Date File Was Referred To Attorney to Pursue Foreclosure MM/DD/YYYY FIRST_LEGAL_DATE Notice of 1st legal filed by an Attorney in a Foreclosure Action MM/DD/YYYY FRCLSR_SALE_EXPECTED_DATE The date by which a foreclosure sale is expected to occur. MM/DD/YYYY FRCLSR_SALE_DATE The actual date of the foreclosure sale. MM/DD/YYYY FRCLSR_SALE_AMT The amount a property sold for at the foreclosure sale. 2 No commas(,) or dollar signs ($) EVICTION_START_DATE The date the servicer initiates eviction of the borrower. MM/DD/YYYY EVICTION_COMPLETED_DATE The date the court revokes legal possession of the property from the borrower. MM/DD/YYYY LIST_PRICE The price at which an REO property is marketed. 2 No commas(,) or dollar signs ($) LIST_DATE The date an REO property is listed at a particular price. MM/DD/YYYY OFFER_AMT The dollar value of an offer for an REO property. 2 No commas(,) or dollar signs ($) OFFER_DATE_TIME The date an offer is received by DA Admin or by the Servicer. MM/DD/YYYY REO_CLOSING_DATE The date the REO sale of the property is scheduled to close. MM/DD/YYYY REO_ACTUAL_CLOSING_DATE Actual Date Of REO Sale MM/DD/YYYY OCCUPANT_CODE Classification of how the property is occupied. PROP_CONDITION_CODE A code that indicates the condition of the property. PROP_INSPECTION_DATE The date a property inspection is performed. MM/DD/YYYY APPRAISAL_DATE The date the appraisal was done. MM/DD/YYYY CURR_PROP_VAL The current "as is" value of the property based on brokers price opinion or appraisal. 2 REPAIRED_PROP_VAL The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal. 2 If applicable: DELINQ_STATUS_CODE FNMA Code Describing Status of Loan DELINQ_REASON_CODE The circumstances which caused a borrower to stop paying on a loan. Code indicates the reason why the loan is in default for this cycle. MI_CLAIM_FILED_DATE Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company. MM/DD/YYYY MI_CLAIM_AMT Amount of Mortgage Insurance Claim Filed No commas(,) or dollar signs ($) MI_CLAIM_PAID_DATE Date Mortgage Insurance Company Disbursed Claim Payment MM/DD/YYYY MI_CLAIM_AMT_PAID Amount Mortgage Insurance Company Paid On Claim 2 No commas(,) or dollar signs ($) POOL_CLAIM_FILED_DATE Date Claim Was Filed With Pool Insurance Company MM/DD/YYYY POOL_CLAIM_AMT Amount of Claim Filed With Pool Insurance Company 2 No commas(,) or dollar signs ($) POOL_CLAIM_PAID_DATE Date Claim Was Settled and The Check Was Issued By The Pool Insurer MM/DD/YYYY POOL_CLAIM_AMT_PAID Amount Paid On Claim By Pool Insurance Company 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_FILED_DATE Date FHA Part A Claim Was Filed With HUD MM/DD/YYYY FHA_PART_A_CLAIM_AMT Amount of FHA Part A Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_PAID_DATE Date HUD Disbursed Part A Claim Payment MM/DD/YYYY FHA_PART_A_CLAIM_PAID_AMT Amount HUD Paid on Part A Claim 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_FILED_DATE Date FHA Part B Claim Was Filed With HUD MM/DD/YYYY FHA_PART_B_CLAIM_AMT Amount of FHA Part B Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_PAID_DATE Date HUD Disbursed Part B Claim Payment MM/DD/YYYY FHA_PART_B_CLAIM_PAID_AMT Amount HUD Paid on Part B Claim 2 No commas(,) or dollar signs ($) VA_CLAIM_FILED_DATE Date VA Claim Was Filed With the Veterans Admin MM/DD/YYYY VA_CLAIM_PAID_DATE Date Veterans Admin. Disbursed VA Claim Payment MM/DD/YYYY VA_CLAIM_PAID_AMT Amount Veterans Admin. Paid on VA Claim 2 No commas(,) or dollar signs ($)

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT L-2 KKR SUBSEQUENT MORTGAGE LOAN PURCHASE AGREEMENT SUBSEQUENT MORTGAGE LOAN PURCHASE AGREEMENT, dated as of December 28, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between KKR FINANCIAL MORTGAGE CORP., a Maryland corporation (the “Seller”), and XXXXXXX XXXXX MORTGAGE INVESTORS, INC., a Delaware corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Subsequent Mortgage Loans”) as described on Annex I. The Purchaser intends to deposit the Subsequent Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLMI 2005-A10 (the “Certificates”), under a pooling and servicing agreement, to be dated as of December 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, HSBC Bank USA, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Moody’s Standard & Poor’s Fitch A Aaa AAA AAA M-1 Aa2 AA AA X-0 Xx0 XX- XX- X-0 X0 X- X- X-0 Baa1 BBB+ BBB+ B-2 Baa2 BBB BBB B-3 -- BBB- BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class Standard & Poor’s Fitch Moody’s X Not Rated Not Rated Not Rated P Not Rated Not Rated Not Rated R-1 Not Rated Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Moody’s S&P Class A AAA AAA Class A-IO AAA AAA Class M-1 Aa2 AA Class M-2 A2 A Class X-0 Xxx0 XXX Class M-IO Baa2 BBB None of the above ratings has been lowered since the respective dates of such letters. EMC MORTGAGE LOAN PURCHASE AGREEMENT MORTGAGE LOAN PURCHASE AGREEMENT, dated as of December 22, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between EMC MORTGAGE CORPORATION, a Delaware corporation (the “Seller”), and XXXXXXX XXXXX MORTGAGE INVESTORS, INC., a Delaware corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Mortgage Loans”) as described on Annex I. The Purchaser intends to deposit the Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLMI 2005-A10 (the “Certificates”), under a pooling and servicing agreement, to be dated as of December 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, HSBC Bank USA, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT M-1 EMC SUBSEQUENT TRANSFER INSTRUMENT SUBSEQUENT TRANSFER INSTRUMENT Pursuant to this Subsequent Transfer Instrument, dated December 30, 2005 (the “Instrument”), between Xxxxxxx Xxxxx Mortgage Investors, Inc. as seller (the “Seller”), and HSBC Bank USA, National Association, not individually but solely as trustee (in such capacity, the “Trustee”) under the Pooling and Servicing Agreement, dated as of December 1, 2005 (the “Agreement”), among Xxxxxxx Xxxxx Mortgage Investors, Inc. (the “Depositor”) as depositor, Xxxxx Fargo Bank, N.A., (“Xxxxx Fargo”) as master servicer and securities administrator (the “Master Servicer” or “Securities Administrator”, as applicable) and HSBC Bank USA, National Association as trustee (“HSBC” or the “Trustee”). Capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Agreement.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Xxx. §§ Act Loan Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED COST LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------------ ---------------------------- Georgia (Oct. 1, 2002 – 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Covered Loan - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of Covered Home Loan 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------------ ---------------------------- Georgia (Oct. 1, 2002 – 0000 Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Home Loan - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan0000

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxHigh Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Axx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 2000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Mxxxx’x Class I-A-1 AAA Aaa Class I-A-2 AAA Aaa Class I-A-3 AAA Aaa Class I-X AAA Aaa Class II-A-1 AAA Aaa Class R-1 AAA NR Class R-2 AAA NR Class R-3 AAA NR Class B-1 AA+ NR Class B-2 AA+ NR Class B-3 AA NR None of the above ratings has been lowered since the respective dates of such letters. Private Certificates Class S&P Mxxxx’x Class B-4 BB NR Class B-0 X XX Xxxxx X-0 XX XX Xxxx of the above ratings has been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE [Provided upon request] EXHIBIT K YIELD MAINTENANCE AGREEMENT BEAR SXXXXXX BEAR SXXXXXX FINANCIAL PRODUCTS INC. 300 XXXXXXX XXXXXX XXX XXXX, XXX XXXX 00000 200-000-0000 DATE: September 26, 2005 TO: U.S. Bank National Association, not in its individual capacity but solely as Trustee for Bank United Trust 2005-1, Mortgage Pass-Through Certificates, Series 2005-1 ATTENTION: Mxxxxxxxx Xxxxxx / Bank United 2005-1 TELEPHONE: 600-000-0000 FACSIMILE: 600-000-0000 FROM: Derivatives Documentation TELEPHONE: 200-000-0000 FACSIMILE: 200-000-0000 SUBJECT: Mortgage Derivatives Confirmation and Agreement

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Certificates S&P Xxxxx’x Class I-A-1 AAA Aaa Class I-A-2 AAA Aaa Class II-A-1 AAA Aaa Class II-X AAA Aaa Class II-A-2 AAA Aaa Underlying Class III-A-1 AAA Aaa Grantor Trust Class III-A-1 AAA Aaa Class III-A-2 AAA Aaa Class III-A-3 AAA Aaa Class IV-A-1 AAA Aaa Class IV-A-2 AAA Aaa Class IV-A-3 AAA Aaa Class IV-X AAA Aaa Class M-1 AA+ Aa1 Class M-2 AA Aa2 Class M-3 AA- Aa3 Class B-1 A A2 Class B-2 BBB Baa2 Class B-3 BBB- Baa3 The Class XP, R, R-X and B-IO Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of March 1, 2006, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement” capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the GreenPoint Mortgage Funding Trust 2006-AR2, Mortgage Pass-Through Certificates, Series 2006-AR2, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only: The modification or re-recording of any Mortgage Document for the purpose of correcting it to conform to the original intent of the parties thereto or to correct title errors discovered after title insurance was issued and where such modification or re-recording does not adversely affect the lien under the Mortgage Document as insured.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ -------------------------------------- -------------------------- various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. 0000 Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ -------------------------------------- -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Xxx. §§ Covered Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ -------------------------------------- -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Xxx. §§ Home Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. §§ Sections 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. §§ Sections 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanSCHEDULE A TO MORTGAGE LOAN PURCHASE AGREEMENT REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Xxxxx'x S&P ----------- ------- --- Class AF-1 Aaa AAA Class AF-2A Aaa AAA Class AF-2B Aaa AAA Class AF-2C Aaa AAA Class AF-3A Aaa AAA Class AF-3B Aaa AAA Class PO Aaa AAA Class IO Aaa AAA Class A-R N/R AAA Class AV-1A Aaa AAA Class AV-1B Aa1 AAA Class AV-2A Aaa AAA Class AV-2B Aa1 AAA Class MF-1 Aa2 AA Class MF-2 A2 A Class MF-3 Baa2 BBB Class MV-1 Aa2 AA Class MV-2 A2 A Class MV-3 Baa2 BBB None of the above ratings has been lowered since the respective dates of such letters. EXHIBIT K SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE (RMBS UNLESS OTHERWISE NOTED) KEY: X - obligation WHERE THERE ARE MULTIPLE CHECKS FOR CRITERIA THE ATTESTING PARTY WILL IDENTIFY IN ITS MANAGEMENT ASSERTION THAT IT IS ATTESTING ONLY TO THE PORTION OF THE DISTRIBUTION CHAIN IT IS RESPONSIBLE FOR IN THE RELATED TRANSACTION AGREEMENTS. CAPITALIZED TERMS USED HEREIN BUT NOT DEFINED HEREIN SHALL HAVE THE MEANINGS ASSIGNED TO THEM IN THE POOLING AND SERVICING AGREEMENT, DATED AS OF SEPTEMBER 1, 2006, AMONG XXXXXXX XXXXX MORTGAGE INVESTORS, INC., AS DEPOSITOR, XXXXX FARGO BANK, N.A., AS MASTER SERVICER AND SECURITIES ADMINISTRATOR, AND HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE. REG AB REFERENCE SERVICING CRITERIA SECURITIES ADMINISTRATOR MASTER SERVICER ---------------- ----------------------------------------------------------- ------------------------ --------------- GENERAL SERVICING CONSIDERATIONS 1122(d)(1)(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. X X 1122(d)(1)(ii) If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with X X such servicing activities. 1122(d)(1)(iii) Any requirements in the transaction agreements to maintain N/A N/A a back-up servicer for the Pool Assets are maintained. 1122(d)(1)(iv) A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage X required by and otherwise in accordance with the terms of the transaction agreements. CASH COLLECTION AND ADMINISTRATION 1122(d)(2)(i) Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction X X agreements. 1122(d)(2)(ii) Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized X X personnel. 1122(d)(2)(iii) Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved X as specified in the transaction agreements. 1122(d)(2)(iv) The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. X X

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage LenderXxxxxx, Xxxx Xxxxxxxx Xxxxxxxx Xxxx Broker and Servicer Act, W. Va. Code XxxAnn. §§ Act Loan Sections 31-17-1 et seqex xeq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------------------ --------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. Covered Xxxx -- Xxx. §§ 0, 0000) Xxxxxons 7-6A-1 6X-0 et seq. Effective October 1, 2002 – -- March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of Xxx xx Xxxxxxx Xxxx Xxxx 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – -- July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------------------ --------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. Home Loxx -- Xxx. §§ 0, 0000) Xxxxxxxx 7-6A-1 et xx seq. Effective October 1, 2002 – -- March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2003

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Xxxxx’x S&P Class I-A AAA AAA Class I-A-IO AAA AAA Class II-A AAA AAA Class II-A-IO AAA AAA Class III-A AAA AAA Class III-A-IO AAA AAA Class IV-A AAA AAA Class IV-A-IO AAA AAA Class V-A AAA AAA Class V-A-IO AAA AAA Class M-1 Aa2 AA Class M-2 A2 A Class M-3 Baa2 BBB None of the above ratings has been lowered since the respective dates of such letters. SALE AND ASSIGNMENT AGREEMENT SALE AND ASSIGNMENT AGREEMENT, dated as of October 31, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between KKR FINANCIAL CORP., a Maryland corporation (the “Seller”), and KKR FINANCIAL MORTGAGE CORP., a Maryland corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Mortgage Loans”) as described herein. The Purchaser intends to sell the Mortgage Loans to Xxxxxxx Xxxxx Mortgage Investors, Inc. (the “Depositor”), which intends, in turn, to deposit the Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLCC 2005-3 (the “Certificates”), under a pooling and servicing agreement, to be dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, Wachovia Bank, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT R FORM OF LOST NOTE AFFIDAVIT - LA SALLE AS CUSTODIAN I, as _________________________ (title) of ________ (the “Custodian”), am authorized to make this Lost Note Affidavit on behalf of __________. In connection with the administration of the Mortgage Loans held by _______________ as Custodian on behalf of ____________ (“____”) or the Trust of such mortgage loans, as the case may be (the “Investor”), I (hereinafter called “Deponent”), being duly sworn, depose and say that: Custodian’s address is: [CUSTODIAN’S Address] Custodian previously delivered to the Investor a signed Trust Receipt with respect to the Mortgage Note referred to below; Such Mortgage Note was endorsed or sold to the Investor by _________________________ pursuant to the terms and provisions of a ____________________ Agreement dated and effective as of _________ ______, ____; Such Mortgage Note is not outstanding pursuant to a Request for Release of Documents; Such Mortgage Note (hereinafter called the “Original”) has been lost; Deponent has made or has caused to be made diligent search for Original and has been unable to find or recover same; The Custodian was the Custodian of the Original at the time of loss; and Deponent agrees that, if the Original should ever come into Custodian’s possession, custody or power, Custodian will immediately and without consideration surrender Original to the Investor. Attached hereto is a true and correct copy of the (i) Mortgage Note, endorsed in blank by the Mortgagee, and (ii) [Mortgage][Deed of Trust] with evidence of recording thereon which secures the Mortgage Note. Deponent hereby agrees that the Custodian shall indemnify and hold harmless the Purchaser, the Trust, the Servicer of the related Mortgage Loan and their respective employees, officers, directors and agents against any loss, liability or damage, including reasonable attorney’s fees, resulting from the unavailability of the Mortgage Note, including but not limited to any loss, liability or damage arising from (i) any false statement contained in this Lost Note Affidavit, (ii) any claim of any party that it has already purchased a mortgage loan evidenced by the lost Mortgage Note or any interest in such mortgage loan, (iii) any claim of any borrower with respect to the existence of terms of a Mortgage Loan evidenced by the lost Mortgage Note, (iv) the issuance of new instrument in lieu thereof and (v) any claim whether or not based upon or arising from honoring or refusing to honor the Original when presented by anyone (items (i) through (iv) above are hereinafter referred to as the “Losses”) and (b) if required by any Rating Agency in connection with placing such lost Mortgage Note into a securitization transaction, shall obtain a surety bond from an insurer acceptable to the applicable Rating Agency in an amount acceptable to such Rating Agency to cover any Losses with respect to such lost Mortgage Note. Capitalized terms used herein but not defined herein have the meanings given them in the Custodial Agreement, dated as of July 1, 2006, between Xxxxxx Xxxxxxx Mortgage Capital Inc. and the Custodian. This Lost Note Affidavit is intended to be relied on by the Investor, its successors, and assigns and _______________________ represents and warrants that it has the authority to perform its obligations under this Lost Note Affidavit.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan Indiana Indiana Home Loan Practices Act, Ind. Code Xxx. §§ 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Xxxxx’x A-1 AAA Aaa A-2 AAA Aaa A-3 AAA Aaa M-1 AA+ Aa1 M-2 AA Aa2 X-0 XX- Xx0 X-0 A A2 M-5 A- A3 M-6 BBB+ Baa1 M-7 BBB Baa2 M-8 BBB- Baa3 None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Xxxxx’x M-9 BB+ Ba1 CE Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Xxxxx’x S&P A-3 Aaa AAA A-4 Aaa AAA M-1 Aa2 AA M-2 A1 A+ X-0 X0 X X-0 X0 X- X-0 Baa1 BBB+ X-0 Xxx0 XXX X-0 Xxx0 XXX- Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Xxxxx’x C Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Laws §§ 34-25.2-1 et seq. Effective December 31, 2006 High Cost Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan Tennessee Tennessee Home Loan Protection Act, Tenn. Code Xxx. §§ 00-00-000 et seq. Effective January 1, 2007 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s 's Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s 's Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxHigh Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Axx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 2000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Mxxxx’x S&P I-M-1 Aa2 AA I-M-2 A2 A I-M-3 A0 X- X-X-0 Xxx0 BBB+ I-B-2 Baa2 BBB I-B-3 Baa3 BBB- II-1A-1 Aaa AAA II-1A-2 Aa1 AAA II-2A-1 Aaa AAA II-2A-2 Aaa AAA II-B-1 Aa2 AA IX-X-0 X0 X XX-X-0 Xxx0 XXX II-2X Aaa AAA II-2PO Aaa AAA II-1X Aaa AAA II-1PO Aaa AAA II-1P Aaa AAA II-1R-1 -- AAA II-1R-2 -- AAA None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P I-X-0 XX XX-X-0 XX XX-X-0 X II-B-6 Not Rated EXHIBIT L FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Xxxxx’x A-3 AAA Aaa M-1 AA+ Aa1 M-2 AA Aa2 X-0 XX- Xx0 X-0 A A2 M-5 A- A3 M-6 BBB+ Baa1 X-0 XXX- Xxx0 X-0 XXX- Xxx0 Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Xxxxx’x M-9 BB+ Ba1 CE Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage West Virginia West Virginia Residential Mortgage Loan Act Loan Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 60, 2003) Georgia Fair Lending ActXxxxxxx Xxxx Xxxxxxx Xxx, Ga. Xx. Code Xxx. §§ Covered Loan 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 60, 2003) Georgia Fair Lending ActXxxxxxx Xxxx Xxxxxxx Xxx, Ga. Xx. Code Xxx. §§ Home Loan 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. §§ Sections 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. §§ Sections 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanSCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Xxxxx'x S&P --------------- ------- ---- Class I-A Aaa AAA Class II-A Aaa AAA Class III-A-1 Aaa AAA Class III-A-2 Aaa AAA Class IV-A-1 Aaa AAA Class IV-A-2 Aaa AAA Class V-A Aaa AAA Class X-A Aaa AAA Class A-R N/R AAA Class M-1 Aa2 AA Class M-2 A2 A Class M-3 Baa2 BBB

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-2 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage West Virginia Mortgage Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage 2002 Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B- 22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A Trust Swap Agreement Provider Transaction Reference [ ] Bear Xxxxxxx Financial Products Inc.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July September 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November December 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November December 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July September 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT L Standard File Layout - Master Servicing SER_INVESTOR_NBR A value assigned by the Servicer to define a group of loans. Text up to 10 digits 20 LOAN_NBR A unique identifier assigned to each loan by the investor. Text up to 10 digits 10 SERVICER_LOAN_NBR A unique number assigned to a loan by the Servicer. This may be different than the LOAN_NBR. Text up to 10 digits 10 BORROWER_NAME The borrower name as received in the file. It is not separated by first and last name. Maximum length of 30 (Last, First) 30 SCHED_PAY_AMT Scheduled monthly principal and scheduled interest payment that a borrower is expected to pay, P&I constant. 2 No commas(,) or dollar signs ($) 11 NOTE_INT_RATE The loan interest rate as reported by the Servicer. 4 Max length of 6 6 NET_INT_RATE The loan gross interest rate less the service fee rate as reported by the Servicer. 4 Max length of 6 6 SERV_FEE_RATE The servicer's fee rate for a loan as reported by the Servicer. 4 Max length of 6 6 SERV_FEE_AMT The servicer's fee amount for a loan as reported by the Servicer. 2 No commas(,) or dollar signs ($) 11 NEW_PAY_AMT The new loan payment amount as reported by the Servicer. 2 No commas(,) or dollar signs ($) 11 NEW_LOAN_RATE The new loan rate as reported by the Servicer. 4 Max length of 6 6 ARM_INDEX_RATE The index the Servicer is using to calculate a forecasted rate. 4 Max length of 6 6 ACTL_BEG_PRIN_BAL The borrower's actual principal balance at the beginning of the processing cycle. 2 No commas(,) or dollar signs ($) 11 ACTL_END_PRIN_BAL The borrower's actual principal balance at the end of the processing cycle. 2 No commas(,) or dollar signs ($) 11 BORR_NEXT_PAY_DUE_DATE The date at the end of processing cycle that the borrower's next payment is due to the Servicer, as reported by Servicer. MM/DD/YYYY 10 SERV_CURT_AMT_1 The first curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 SERV_CURT_DATE_1 The curtailment date associated with the first curtailment amount. MM/DD/YYYY 10 CURT_ADJ_ AMT_1 The curtailment interest on the first curtailment amount, if applicable. 2 No commas(,) or dollar signs ($) 11 SERV_CURT_AMT_2 The second curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 SERV_CURT_DATE_2 The curtailment date associated with the second curtailment amount. MM/DD/YYYY 10 CURT_ADJ_ AMT_2 The curtailment interest on the second curtailment amount, if applicable. 2 No commas(,) or dollar signs ($) 11 SERV_CURT_AMT_3 The third curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 SERV_CURT_DATE_3 The curtailment date associated with the third curtailment amount. MM/DD/YYYY 10 CURT_ADJ_AMT_3 The curtailment interest on the third curtailment amount, if applicable. 2 No commas(,) or dollar signs ($) 11 PIF_AMT The loan "paid in full" amount as reported by the Servicer. 2 No commas(,) or dollar signs ($) 11 PIF_DATE The paid in full date as reported by the Servicer. MM/DD/YYYY 10 Action Code Key: 15=Bankruptcy, 00=Xxxxxxxxxxx, , 00=XXX, 63=Substitution, 65=Repurchase,70=REO 2 ACTION_CODE The standard FNMA numeric code used to indicate the default/delinquent status of a particular loan. INT_ADJ_AMT The amount of the interest adjustment as reported by the Servicer. 2 No commas(,) or dollar signs ($) 11 SOLDIER_SAILOR_ADJ_AMT The Soldier and Sailor Adjustment amount, if applicable. 2 No commas(,) or dollar signs ($) 11 NON_ADV_LOAN_AMT The Non Recoverable Loan Amount, if applicable. 2 No commas(,) or dollar signs ($) 11 LOAN_LOSS_AMT The amount the Servicer is passing as a loss, if applicable. 2 No commas(,) or dollar signs ($) 11 SCHED_BEG_PRIN_BAL The scheduled outstanding principal amount due at the beginning of the cycle date to be passed through to investors. 2 No commas(,) or dollar signs ($) 11 SCHED_END_PRIN_BAL The scheduled principal balance due to investors at the end of a processing cycle. 2 No commas(,) or dollar signs ($) 11 SCHED_PRIN_AMT The scheduled principal amount as reported by the Servicer for the current cycle -- only applicable for Scheduled/Scheduled Loans. 2 No commas(,) or dollar signs ($) 11 SCHED_NET_INT The scheduled gross interest amount less the service fee amount for the current cycle as reported by the Servicer -- only applicable for Scheduled/Scheduled Loans. 2 No commas(,) or dollar signs ($) 11 ACTL_PRIN_AMT The actual principal amount collected by the Servicer for the current reporting cycle -- only applicable for Actual/Actual Loans. 2 No commas(,) or dollar signs ($) 11 ACTL_NET_INT The actual gross interest amount less the service fee amount for the current reporting cycle as reported by the Servicer -- only applicable for Actual/Actual Loans. 2 No commas(,) or dollar signs ($) 11 PREPAY_PENALTY_ AMT The penalty amount received when a borrower prepays on his loan as reported by the Servicer. 2 No commas(,) or dollar signs ($) 11 PREPAY_PENALTY_ WAIVED The prepayment penalty amount for the loan waived by the servicer. 2 No commas(,) or dollar signs ($) 11 MOD_DATE The Effective Payment Date of the Modification for the loan. MM/DD/YYYY 10 MOD_TYPE The Modification Type. Varchar - value can be alpha or numeric 30 DELINQ_P&I_ADVANCE_AMT The current outstanding principal and interest advances made by Servicer. 2 No commas(,) or dollar signs ($) 11 EXHIBIT X-1 Exhibit: Standard File Layout – Delinquency Reporting Column/Header Name Description Decimal Format Comment SERVICER_LOAN_NBR A unique number assigned to a loan by the Servicer. This may be different than the LOAN_NBR LOAN_NBR A unique identifier assigned to each loan by the originator. CLIENT_NBR Servicer Client Number SERV_INVESTOR_NBR Contains a unique number as assigned by an external servicer to identify a group of loans in their system. BORROWER_FIRST_NAME First Name of the Borrower. BORROWER_LAST_NAME Last name of the borrower. PROP_ADDRESS Street Name and Number of Property PROP_STATE The state where the property located. PROP_ZIP Zip code where the property is located. BORR_NEXT_PAY_DUE_DATE The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer. MM/DD/YYYY LOAN_TYPE Loan Type (i.e. FHA, VA, Conv) BANKRUPTCY_FILED_DATE The date a particular bankruptcy claim was filed. MM/DD/YYYY BANKRUPTCY_CHAPTER_CODE The chapter under which the bankruptcy was filed. BANKRUPTCY_CASE_NBR The case number assigned by the court to the bankruptcy filing. POST_PETITION_DUE_DATE The payment due date once the bankruptcy has been approved by the courts MM/DD/YYYY BANKRUPTCY_DCHRG_DISM_DATE The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted. MM/DD/YYYY LOSS_MIT_APPR_DATE The Date The Loss Mitigation Was Approved By The Servicer MM/DD/YYYY LOSS_MIT_TYPE The Type Of Loss Mitigation Approved For A Loan Such As; LOSS_MIT_EST_COMP_DATE The Date The Loss Mitigation /Plan Is Scheduled To End/Close MM/DD/YYYY LOSS_MIT_ACT_COMP_DATE The Date The Loss Mitigation Is Actually Completed MM/DD/YYYY FRCLSR_APPROVED_DATE The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings. MM/DD/YYYY ATTORNEY_REFERRAL_DATE Date File Was Referred To Attorney to Pursue Foreclosure MM/DD/YYYY FIRST_LEGAL_DATE Notice of 1st legal filed by an Attorney in a Foreclosure Action MM/DD/YYYY FRCLSR_SALE_EXPECTED_DATE The date by which a foreclosure sale is expected to occur. MM/DD/YYYY FRCLSR_SALE_DATE The actual date of the foreclosure sale. MM/DD/YYYY FRCLSR_SALE_AMT The amount a property sold for at the foreclosure sale. 2 No commas(,) or dollar signs ($) EVICTION_START_DATE The date the servicer initiates eviction of the borrower. MM/DD/YYYY EVICTION_COMPLETED_DATE The date the court revokes legal possession of the property from the borrower. MM/DD/YYYY LIST_PRICE The price at which an REO property is marketed. 2 No commas(,) or dollar signs ($) LIST_DATE The date an REO property is listed at a particular price. MM/DD/YYYY OFFER_AMT The dollar value of an offer for an REO property. 2 No commas(,) or dollar signs ($) OFFER_DATE_TIME The date an offer is received by DA Admin or by the Servicer. MM/DD/YYYY REO_CLOSING_DATE The date the REO sale of the property is scheduled to close. MM/DD/YYYY REO_ACTUAL_CLOSING_DATE Actual Date Of REO Sale MM/DD/YYYY OCCUPANT_CODE Classification of how the property is occupied. PROP_CONDITION_CODE A code that indicates the condition of the property. PROP_INSPECTION_DATE The date a property inspection is performed. MM/DD/YYYY APPRAISAL_DATE The date the appraisal was done. MM/DD/YYYY CURR_PROP_VAL The current "as is" value of the property based on brokers price opinion or appraisal. 2 REPAIRED_PROP_VAL The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal. 2 If applicable: DELINQ_STATUS_CODE FNMA Code Describing Status of Loan DELINQ_REASON_CODE The circumstances which caused a borrower to stop paying on a loan. Code indicates the reason why the loan is in default for this cycle. MI_CLAIM_FILED_DATE Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company. MM/DD/YYYY MI_CLAIM_AMT Amount of Mortgage Insurance Claim Filed No commas(,) or dollar signs ($) MI_CLAIM_PAID_DATE Date Mortgage Insurance Company Disbursed Claim Payment MM/DD/YYYY MI_CLAIM_AMT_PAID Amount Mortgage Insurance Company Paid On Claim 2 No commas(,) or dollar signs ($) POOL_CLAIM_FILED_DATE Date Claim Was Filed With Pool Insurance Company MM/DD/YYYY POOL_CLAIM_AMT Amount of Claim Filed With Pool Insurance Company 2 No commas(,) or dollar signs ($) POOL_CLAIM_PAID_DATE Date Claim Was Settled and The Check Was Issued By The Pool Insurer MM/DD/YYYY POOL_CLAIM_AMT_PAID Amount Paid On Claim By Pool Insurance Company 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_FILED_DATE Date FHA Part A Claim Was Filed With HUD MM/DD/YYYY FHA_PART_A_CLAIM_AMT Amount of FHA Part A Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_A_CLAIM_PAID_DATE Date HUD Disbursed Part A Claim Payment MM/DD/YYYY FHA_PART_A_CLAIM_PAID_AMT Amount HUD Paid on Part A Claim 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_FILED_DATE Date FHA Part B Claim Was Filed With HUD MM/DD/YYYY FHA_PART_B_CLAIM_AMT Amount of FHA Part B Claim Filed 2 No commas(,) or dollar signs ($) FHA_PART_B_CLAIM_PAID_DATE Date HUD Disbursed Part B Claim Payment MM/DD/YYYY FHA_PART_B_CLAIM_PAID_AMT Amount HUD Paid on Part B Claim 2 No commas(,) or dollar signs ($) VA_CLAIM_FILED_DATE Date VA Claim Was Filed With the Veterans Admin MM/DD/YYYY VA_CLAIM_PAID_DATE Date Veterans Admin. Disbursed VA Claim Payment MM/DD/YYYY VA_CLAIM_PAID_AMT Amount Veterans Admin. Paid on VA Claim 2 No commas(,) or dollar signs ($)

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November December 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November December 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class S&P/Xxxxx’x/Fitch I-A AAA/Aaa/AAA I-M-4 X/X0/X X-X-0 BBB+/Baa1/BBB+ I-B-2 BBB/Baa2/BBB X-X-0 XXX-/Xxx0/XXX X-X-0 XX/Xx0/XX XX-X XX/Xxx/XXX II-M-1 NR/Aa1/AA+ II-M-2 NR/Aa2/AA+ II-M-3 NR/Aa3/AA+ II-M-4 NR/A1/AA II-M-5 NR/A2/AA- II-M-6 NR/A3/A+ II-M-7 NR/Baa1/A II-M-8 NR/Baa2/A- II-M-9 NR/Baa3/BBB+ XX-X-0 XX/Xx0/XXX Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Non-Offered Certificates Class Xxxxx’x/Fitch I-C Not Rated II-E Not Rated I-R-1 Not Rated I-R-2 Not Rated I-R-3 Not Rated I-RX Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee EXHIBIT S-1 [FORM OF] ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee [FORM OF] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Ga.Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home EXHIBIT D MORTGAGE LOAN SCHEDULE Copies of the Mortgage Loan Categorization State/Jurisdiction Schedule (which has been intentionally omitted from this filing) may be obtained from Long Beach Securities Corp. by contacting: Jxxxx Mxxx Xxxx Beach Securities Corp. 1000 Xxxxx Xxxxxx, 00xx Floor Seattle, Washington 98101 Telephone: (000) 000-0000 Facsimile: (000) 000-0000 REQUEST FOR RELEASE (for Trustee /Custodian) Loan Information Name of AntiMortgagor: Master Servicer Loan No.: Trustee /Custodian Name: Address: Trustee/ Custodian Mortgage File No.: Depositor Name: LONG BEACH SECURITIES CORP. Address: Certificates: Long Beach Mortgage Certificates, Series 2005‑WL1. The undersigned Master Servicer hereby acknowledges that it has received from _______________________, as Trustee for the Holders of Long Beach Mortgage Loan Trust 2005‑WL1, Asset-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia Backed Certificates, Series 2005‑WL1, the documents referred to below (Oct. 1the “Documents”). All capitalized terms not otherwise defined in this Request for Release shall have the meanings given them in the Pooling and Servicing Agreement, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective dated as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 12005, 2003 among the Trustee, the Depositor and the Master Servicer (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost the “Pooling and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanServicing Agreement”).

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Moody’s S&P A-2 Aaa AAA A-3 Aaa AAA A-4 Aaa AAA A-5 Aaa AAA A-6 Aaa AAA A-7 Aaa AAA X-0 Xx0 XX+ X-0 Xx0 XX X-0 Xx0 XX- X-0 A1 A+ M-5 A2 A X-0 X0 X- X-0 Xxx0 BBB+ M-8 Baa2 BBB M-9 Baa3 BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. EXHIBIT M CLASS I-A-1 CORRIDOR CONTRACT CONFIRMATION DATE: April 28, 2006 TO: U.S. Bank National Association, not individually, but solely as Trustee on behalf of Bear Xxxxxxx Asset Backed Securities I Trust 2006-AC3, Asset-Backed Certificates, Series 2006-AC3 ATTENTION: Xxxxxxxxx Xxxxxx TELEPHONE: 000-000-0000 FACSIMILE: 000-000-0000 FROM: Derivatives Documentation TELEPHONE: 000-000-0000 FACSIMILE: 212-272 -9857 SUBJECT: Fixed Income Derivatives Confirmation and Agreement REFERENCE NUMBER: FXNEC8134 The purpose of this letter agreement (“Agreement”) is to confirm the terms and conditions of the Transaction entered into on the Trade Date specified below (the “Transaction”) between Bear Xxxxxxx Financial Products inc. (“BSFP”) and U.S. Bank National Association, not individually, but solely as Trustee (the “Trustee”) on behalf of the Bear Xxxxxxx Asset Backed Securities I Trust 2006-AC3, Asset-Backed Certificates, Series 2006-AC3 (“Counterparty”) under the Pooling and Servicing Agreement, dated and effective as of April 1, 2006, among Bear Steams Asset Backed Securities I LLC, as Depositor, EMC Mortgage Corporation, as Sponsor and Company, Xxxxx Fargo Bank, National Association, as Master Servicer and Securities Administrator, and U.S. Bank National Association, as Trustee (the “Pooling and Servicing Agreement”). This Agreement, which evidences a complete and binding agreement between you and us to enter into the Transaction on the terms set forth below, constitutes a “Confirmation” as referred to in the “ISDA Form Master Agreement” (as defined below), as well as a “Schedule” as referred to in the ISDA Form Master Agreement.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT N LIST OF FORECLOSURE RESTRICTED LOANS [PROVIDED UPON REQUEST] EXHIBIT O FORM OF CERTIFICATION TO BE PROVIDED BY THE RISK MANAGER FORM OF CERTIFICATION RE: BEAR XXXXXXX ASSET BACKED SECURITIES I TRUST 2005-CL1, ASSET-BACKED CERTIFICATES, SERIES 2005-CL1 ISSUED PURSUANT TO THE POOLING AND SERVICING AGREEMENT (THE "PSA") DATED AS OF OCTOBER 1, 2005 BY AND AMONG RISK MANAGEMENT GROUP, LLC AS RISK MANAGER ("RISK MANAGER"), BEAR XXXXXXX ASSET BACKED SECURITIES I LLC AS DEPOSITOR (THE "DEPOSITOR"), XXXXXXXXX ACQUISITION TRUST 2005-1, XXXXXXXXX ACQUISITION TRUST 2005-2 AND OCWEN MORTGAGE ASSET TRUST I, AS SELLERS (THE "SELLERS"), OCWEN LOAN SERVICING, LLC, AS SERVICER (THE "SERVICER"), LASALLE BANK NATIONAL ASSOCIATION AS MASTER SERVICER AND SECURITIES ADMINISTRATOR ("LASALLE"), XXXXX FARGO BANK, NATIONAL ASSOCIATION AS CUSTODIAN (THE "CUSTODIAN"), AND CITIBANK, N.A. AS TRUSTEE (THE "TRUSTEE"). RISK MANAGER CERTIFIES TO THE DEPOSITOR, THE TRUSTEE, AND THE SECURITIES ADMINISTRATOR, ITS OFFICERS, DIRECTORS AND AFFILIATES, AND WITH THE KNOWLEDGE AND INTENT THAT THEY WILL RELY UPON THIS CERTIFICATION, THAT:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Certificates Certificates S&P Mxxxx’x Class I-1A-1 AAA Aaa Class I-1A-2 AAA Aaa Class II-1A-1 AAA Aaa Class II-1A-2 AAA Aa1 Class II-2A-1 AAA Aaa Class II-2A-2 AAA Aa1 Class II-3A-1 AAA Aaa Class II-3A-2 AAA Aa1 Class II-4A-1 AAA Aaa Class II-4A-2 AAA Aa1 Class II-4X-1 AAA Aaa Class II-5A-1 AAA Aaa Class II-5X-1 AAA Aaa Class I-M-1 AA Aa2 Class I-M-2 A A2 Class I-B-1 BBB Baa2 Class I-B-2 BBB- Baa3 Class I-B-3 BB Ba2 Class II-B-1 AA+ Aa1 Class II-B-2 AA Aa2 Class II-B-3 AA- Aa3 Class II-B-4 A+ A1 Class II-B-5 A A2 Class II-B-6 A- A3 Class II-B-7 BBB+ Baa1 Class II-B-8 A Baa2 Class II-B-9 BBB Baa3 Class II-B-10 BB NA Class II-B-10 B NA The Class II-B-12, Class R, Class R-X, Class B-IO, Class I-XP and Class II-XP Certificates have not been rated. None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT K [Reserved] EXHIBIT M FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that JPMorgan Chase Bank, National Association, a New York banking corporation, having a place of business at 4 Xxx Xxxx Xxxxx, 0xx Xxxxx, Xxx Xxxx, X.X. 00000, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of December 1, 2005, by and among Structured Asset Mortgage Investments II Inc., the Trustee, Wxxxx Fargo Bank, National Association and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement” capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the Bear Sxxxxxx ALT-A Trust 2005-10, Mortgage Pass-Through Certificates, Series 2005-10, hereby appoints _______________, in its capacity as a Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxHigh Cost Home Loan Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Axx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 2000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Mxxxx’x S&P I-A-2 Aaa AAA I-M-1 Aa2 AA I-M-2 A2 A I-M-3 A0 X- X-X-0 Xxx0 BBB+ I-B-2 Baa2 BBB I-B-3 Baa3 BBB- II-1A-1 Aaa AAA II-1A-2 Aa1 AAA II-2A-1 Aaa AAA II-2A-2 Aaa AAA II-B-1 Aa2 AA IX-X-0 X0 X XX-X-0 Xxx0 XXX II-2X Aaa AAA II-2PO Aaa AAA II-1X Aaa AAA II-1PO Aaa AAA II-1P Aaa AAA II-1R-1 -- AAA II-1R-2 -- AAA None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P I-X-0 XX XX-X-0 XX XX-X-0 X II-B-6 Not Rated EXHIBIT L FORM OF COMPANY CERTIFICATION This certificate is being delivered pursuant to Section 3.13(b) of the Pooling and Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), among Bear Sxxxxxx Asset Backed Securities I LLC, as depositor, EMC Mortgage Corporation (the “Company”), as seller and servicer, Wxxxx Fargo Bank, National Association, as master servicer and securities administrator, and U.S. Bank National Association, as trustee. Capitalized terms used herein and not otherwise defined have the meanings set forth in the Agreement. I certify that:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S & P Xxxxx’x A-1 AAA Aaa A-2 AAA Aaa A-3 AAA Aaa M-1 AA Aa2 M-2 A+ A2 X-0 X X0 X-0 X- Xxx0 M-5 BBB+ Baa2 M-6 BBB Baa3 X-0 XXX- Xx0 Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S & P Xxxxx’x X-0X XX+ Xx0 X-0X BB+ Ba2 CE Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR’S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan Xxxxxxx 0 XXXXX XXXXX SERVICING AGREEMENT

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE AREQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S & P Xxxxx’x II-A-1 AAA Aaa II-A-2 AAA Aaa M-1 AA Aa2 M-2 A+ A2 X-0 X X0 X-0 X- Xxx0 M-5 BBB+ Baa2 M-6 BBB Baa3 X-0 XXX- Xx0 Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S & P Xxxxx’x M-8 BB+ Ba2 CE Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT B LIST OF MORTGAGE LOANS WITH ORIGINAL TERM TO MATURITY OF 360 MONTHS AND AN ORIGINAL AMORTIZATION TERM OF 480 MONTHS [SEE ATTACHMENT]

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Public Notes Class S&P Mxxxx’x Class A-1 AAA Aaa Class A-2 AAA Aa1 None of the above ratings has been lowered since the respective dates of such letters. Private Notes Class S&P Mxxxx’x Class X AA+ -- Class B-1 AA -- Class B-2 A -- Class B-3 BBB -- Class B-4 BB -- Class B-5 B -- Class B-6 -- -- None of the above ratings has been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Public Notes Class S&P Xxxxx’x Class A-1 AAA Aaa Class A-2 AAA Aa1 Class M-1 Class M-2 Class B-1 None of the above ratings has been lowered since the respective dates of such letters. Private Notes Class S&P Xxxxx’x Class B-2 AA -- Class B-3 A -- Class B-4 BBB -- Class B-5 BBB- -- Class B-6 BB -- None of the above ratings has been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A SUBSEQUENT MORTGAGE LOAN SCHEDULE (Provided Upon Request) EXHIBIT O FORM OF SUBSEQUENT TRANSFER INSTRUMENT Pursuant to this Subsequent Transfer Instrument, dated [_______], 2005 (the “Instrument ”), between Bear Xxxxxxx Asset Backed Securities I LLC (the “Seller”), and Citibank, N.A., not individually but solely as trustee (in such capacity, the “Trustee”) under the Pooling and Servicing Agreement, dated as of October 1, 2005 (the “Agreement”), among the Seller as depositor, EMC Mortgage Corporation as a seller and as company, LaSalle Bank National Association as master servicer and securities administrator and the Trustee as trustee, the Seller and the Trustee, pursuant to the Agreement, agree to the sale by the Seller and the purchase by the Trustee of the Subsequent Mortgage Loans listed on the attached Exhibit 1 (the “Subsequent Mortgage Loans”). Capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Agreement.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxHigh Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Axx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 2000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR’S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Xxxxx’x Fitch A-1 AAA Aaa AAA A-3 AAA Aaa AAA M-1 AAA -- AAA M-2 AA -- AA M-3 A -- A M-4 A- -- A- M-5 BBB+ -- BBB+ M-6 BBB -- BBB M-7 BBB- -- BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Xxxxx’x Xxxxx XX Not Rated Not Rated Not Rated P Not Rated Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and High Cost Home Loan Consumer Home Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential West Virginia West Virginia Residential Mortgage Mortgage Lender, Broker and Loan Act Loan Servicer Act, W. Va. Code Xxx. §§ Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------- -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Covered Loan Mar. 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------- -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Home Loan Mar. 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan0000

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan ITEM 1119 PARTIES GSC ALTERNATIVE LOAN TRUST NOTES, Series 2006-2 June __, 2006 Party Contact Information CWALT, Inc. GSC Capital Corp. QRS Delaware Loan Holdings, Inc. Countrywide Home Loans Servicing LP GSC Capital Corp. Mortgage Trust 2006-2 The Bank of New York Wilmington Trust Company American Home Mortgage Company GreenPoint Mortgage Funding Incorporated Countrywide Home Loans, Inc. Decision One Mortgage Company [Swap Counterparty] EXHIBIT K-1 FORM OF PERFORMANCE CERTIFICATION (Subservicer) [On file with the Indenture Trustee] EXHIBIT K-2 FORM OF PERFORMANCE CERTIFICATION (Indenture Trustee) [On file with the Indenture Trustee] EXHIBIT L SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Indenture Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as “Applicable Servicing Criteria”: Servicing Criteria Applicable Servicing Criteria Master Servicer/ Subservicer Indenture Trustee Reference Criteria General Servicing Considerations 1122(d)(1)(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. X 1122(d)(1)(ii) If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing activities. X X 1122(d)(1)(iii) Any requirements in the transaction agreements to maintain a back-up servicer for the mortgage loans are maintained. 1122(d)(1)(iv) A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. X X Cash Collection and Administration 1122(d)(2)(i) Payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. X X 1122(d)(2)(ii) Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. X X 1122(d)(2)(iii) Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. X X 1122(d)(2)(iv) The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. X X 1122(d)(2)(v) Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, “federally insured depository institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. X X 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access. X X 1122(d)(2)(vii) Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. X X Investor Remittances and Reporting 1122(d)(3)(i) Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors’ or the Trust Administrator’s records as to the total unpaid principal balance and number of mortgage loans serviced by the Servicer. X 1122(d)(3)(ii) Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. X 1122(d)(3)(iii) Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction agreements. X 1122(d)(3)(iv) Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. X Pool Asset Administration 1122(d)(4)(i) Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage loan documents. X X 1122(d)(4)(ii) Mortgage loan and related documents are safeguarded as required by the transaction agreements. X X 1122(d)(4)(iii) Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. X X 1122(d)(4)(iv) Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer’s obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related mortgage loan documents. X 1122(d)(4)(v) The Servicer’s records regarding the mortgage loans agree with the Servicer’s records with respect to an obligor’s unpaid principal balance. X 1122(d)(4)(vi) Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. X 1122(d)(4)(vii) Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. X 1122(d)(4)(viii) Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). X 1122(d)(4)(ix) Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related mortgage loan documents. X 1122(d)(4)(x) Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number of days specified in the transaction agreements. X 1122(d)(4)(xi) Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. X 1122(d)(4)(xii) Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer’s funds and not charged to the obligor, unless the late payment was due to the obligor’s error or omission. X 1122(d)(4)(xiii) Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the servicer, or such other number of days specified in the transaction agreements. X 1122(d)(4)(xiv) Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. X 1122(d)(4)(xv) Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. X [NAME OF MASTER SERVICER] [NAME OF INDENTURE TRUSTEE] [NAME OF SUBSERVICER] Date: By: Name: Title: EXHIBIT M LIST OF APPRAISAL FIRMS EXHIBIT N REO DIRECTION LETTER [Date] [Master Servicer] RE: GSC Capital Corp. Mortgage Trust, Series 2006-2 Sale of REO Property To Whom It May Concern: This letter serves as notice to you that you are hereby irrevocably authorized and directed, as Master Servicer, to purchase any REO Property held in the Issuing Entity, on behalf of the Issuing Entity, at its fair market value, as soon as is practicable. Please provide the Indenture Trustee with the outstanding principal balance of the REO Properties and the proceeds collected from such sale. Upon the sale of the final REO Property from the Issuing Entity, please notify the Indenture Trustee (in a manner similar to Exhibit O of the Sale and Servicing Agreement) within one business day. All proceeds from the sale of the REO Properties shall be remitted to the Indenture Trustee within [ ] business days of such sale. Capitalized terms not defined herein have the meanings assigned to them in the Indenture, dated as of June __, 2006, between The Bank of New York, as indenture trustee, and GSC Capital Corp. Mortgage Trust 2006-2, as issuing entity. Sincerely, [Indenture Trustee] By: Name: Title: EXHIBIT O REO SALE NOTIFICATION LETTER [Date] [Indenture Trustee] RE: GSC Capital Corp. Mortgage Trust Series 2006-2 Sale of REO Property To Whom It May Concern: This letter serves as notice to you that all REO Property has been sold out of the Issuing Entity. The aggregate outstanding principal balance of all REO Property in the trust was [$_______]. The total proceeds collected with respect to the sale of such REO Property is [$________].Capitalized terms not defined herein have the meanings assigned to them in the Indenture, dated as of June __, 2006, between The Bank of New York, as indenture trustee, and GSC Capital Corp. Mortgage Trust 2006-2, as issuing entity. Sincerely, [Master Servicer] By: Name: Title: SCHEDULE I PREPAYMENT CHARGE SCHEDULE AND PREPAYMENT CHARGE SUMMARY (PROVIDED UPON REQUEST)

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLaw

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified Subsection 10 Mortgage in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and High Cost Home Loan Consumer Home Loans Act, S.C. Code XxxAnn. §§ Sections 37-23-10 et seq. Effective for loans xxxns taken on or after January 1, 2004 High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION (CONTINUED) Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ ------------------------------ -------------------------- West Virginia West Virginia Residential West Virginia Mortgage Mortgage Lender, Broker and Loan Act Loan Servicer Act, W. Va. Code XxxAnn. §§ Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------ -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code XxxAnn. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Covered Xxxx Xxxx Xxxxxity Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------ -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Home Loan - Mar. 6, 2003) Code XxxAnn. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoxx Xxxxxxxx

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAnn. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAnn. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAnn. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAnn. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAnn. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT 7 MORTGAGE LOAN SELLER’S FORM 10-D, FORM 8-K AND FORM 10-K REPORTING RESPONSIBILITY As to each item described below, the Mortgage Loan Seller shall be responsible for reporting the information to the party identified as responsible for preparing the Securities Exchange Act Reports pursuant to Section 7 of this Mortgage Loan Purchase Agreement. Under Item 1 of Form 10-D: a) items marked “Monthly Statement to Certificateholders” are required to be included in the periodic Distribution Date statement under Section 5.04 of the Pooling and Servicing Agreement, provided by the Securities Administrator based on information received from the party providing such information: and b) items marked “Form 10-D report” are required to be in the Form 10-D report but not the Monthly Statements to Certificateholders, provided by the party indicated. Information under all other Items of Form 10-D is to be included in the Form 10-D report. All such information and any other Items on Form 8-K and Form 10-D set forth in this Exhibit shall be sent to the Securities Administrator and the Purchaser. Form Item Description 10-D 1 Disclose any material changes in the solicitation, credit-granting, underwriting, origination, acquisition or pool selection criteria or procedures, as applicable, used by the Mortgage Loan Seller to originate, acquire or select the new pool assets.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT L SERVICING CRITERIA SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE Assessments of Compliance and Attestation Reports Servicing Criteria1 Reg. AB Item 1122(d) Servicing Criteria Depositor Sponsor Servicer Trustee Custodian Xxxxx Fargo2

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Standard & Poor’s Moody’s A AAA Aaa M-1 AA+ Aa1 M-2 AA Aa2 M-3 AA- Aa3 M-4 A+ A1 X-0 X X0 X-0 X- X0 X-0 BBB+ Baa1 B-2 BBB Baa2 B-3 BBB- Baa3 None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class Standard & Poor’s Moody’s C Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Broker and Servicer Act, W. Va. Code Xxx. §§ Loan Act Loan Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------ -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Xxx. §§ Covered Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of Covered Home Loan 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------ -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Xxx. §§ Home Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan0000

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina Xxxxx Xxxxxxxx Xxxxx Xxxxxxxx High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates S&P Xxxxx’x Class I-A-1 AAA Aaa Class I-X-1 AAA Aaa Class I-A-2 AAA Aaa Class I-X-2 AAA Aaa Class II-A-1 AAA Aaa Class II-A-2 AAA Aaa Class II-X-1 AAA Aaa Class II-X-2 AAA Aaa Class II-X-3 AAA Aaa Class III-A-1 AAA Aaa Class III-A-2 AAA Aaa Class III-X-1 AAA Aaa Class IV-A-1 AAA Aaa Class IV-X-1 AAA Aaa Class IV-A-2 AAA Aaa Class IV-X-2 AAA Aaa Class M-X AA Aa2 Class M-1 AA+ Aa1 Class M-2 AA Aa2 Class M-3 AA- Aa3 Class M-4 A+ Aa3 Class M-5 A A1 Class M-6 A- A2 Class B-1 BBB+ A3 Class B-2 BBB Baa1 Class X-0 XXX- Xxx0 Xxxxx X XXX XX Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. SCHEDULE B MORTGAGE LOAN SCHEDULE (Provided upon request) EXHIBIT I FORM OF TRUSTEE LIMITED POWER OF ATTORNEY KNOW ALL MEN BY THESE PRESENTS, that Xxxxx Fargo Bank, National Association, a banking corporation, having a place of business at 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of October 1, 2005, by and among Structured Asset Mortgage Investments II Inc., the Trustee and EMC Mortgage Corporation (as amended, restated, supplemented or otherwise modified from time to time, the “Agreement” capitalized terms not defined herein have the definitions assigned to such terms in the Agreement), relating to the GreenPoint Mortgage Funding Trust 2005-AR5, Mortgage Pass-Through Certificates, Series 2005-AR5, hereby appoints _______________, in its capacity as Servicer under the Agreement, as the Trustee’s true and lawful Special Attorney-in-Fact, in the Trustee’s name, place and stead and for the Trustee’s benefit, but only in its capacity as Trustee aforesaid, to perform all acts and execute all documents as may be customary, necessary and appropriate to effectuate the following enumerated transactions in respect of any mortgage, deed of trust, promissory note or real estate owned from time to time owned (beneficially or in title, whether the Trustee is named therein as mortgagee or beneficiary or has become mortgagee or beneficiary by virtue of endorsement, assignment or other conveyance) or held by or registered to the Trustee (directly or through custodians or nominees), or in respect of which the Trustee has a security interest or other lien, all as provided under the applicable Agreement and only to the extent the respective Trustee has an interest therein under the Agreement, and in respect of which the Servicer is acting as servicer pursuant to the Agreement (the “Mortgage Documents”). This appointment shall apply to the following enumerated transactions under the Agreement only: The modification or re-recording of any Mortgage Document for the purpose of correcting it to conform to the original intent of the parties thereto or to correct title errors discovered after title insurance was issued and where such modification or re-recording does not adversely affect the lien under the Mortgage Document as insured.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Xxx. §§ Act Loan Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ -------------------------- -------------------------- Georgia (Oct. 1, 2002 – 0000 - Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Covered Loan Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ -------------------------- -------------------------- Georgia (Oct. 1, 2002 – 0000 - Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Home Loan Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan0000

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Xxxxx’x S&P A Aaa AAA M-1 Aa2 AA+ X0 Xxx0 X- X0 Xxx0 BBB+ B3 Baa3 BBB B4 Ba2 BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class Xxxxx’x S&P P Not Rated Not Rated C Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A Trust Swap Agreement Provider Transaction Reference Bank of America, N.A. 10000000

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan Exhibit 5 XXXXX FARGO SERVICING AGREEMENT

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Loan Act Loan Broker and Servicer Act, W. Va. Code Xxx. §§ Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory State/Jurisdiction Date Lending Law ------------------ ------------------------------------------------- ---------------------------------------- Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ Sections Covered Loan 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory State/Jurisdiction Date Lending Law ------------------ ------------------------------------------------- ---------------------------------------- Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ Sections Home Loan 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan0000

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Anti- Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti- Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Xxxxx’x S&P A-3 Aaa AAA A-5 Aaa AAA M-1 Aa2 AA X-0 X0 X X-0 X0 X- X-0 Baa1 BBB+ X-0 Xxx0 XXX X-0 Xxx0 XXX- Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class Xxxxx’x S&P P Not Rated Not Rated C Not Rated Not Rated R-1 Not Rated Not Rated R-2 Not Rated Not Rated R-3 Not Rated Not Rated EXHIBIT L FORM OF COMPANY CERTIFICATION This certificate is being delivered pursuant to Section 3.13(b) of the Pooling and Servicing Agreement, dated as of November 1, 2005 (the “Agreement”), among Bear Xxxxxxx Asset Backed Securities I LLC, as depositor, EMC Mortgage Corporation (the “Company”), as seller and company, Xxxxx Fargo Bank, National Association, as master servicer and securities administrator, and U.S. Bank National Association, as trustee. Capitalized terms used herein and not otherwise defined have the meanings set forth in the Agreement. I certify that:

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Moody’s II-A-1 AAA Aaa II-A-2 AAA Aaa M-1 AA Aa2 M-2 A A2 M-3 A- A3 M-4 BBB+ Baa1 M-5 BBB Baa2 M-6 BBB- Baa3 None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Moody’s M-7 BB+ Ba1 CE Not Rated Not Rated P Not Rated Not Rated R-1 Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx 2002 West Virginia Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT M-2 FORM OF XXXXXXXXX 2005-2 MORTGAGE LOAN PURCHASE AGREEMENT EXHIBIT M-3 FORM OF OCWEN MORTGAGE LOAN PURCHASE AGREEMENT MORTGAGE LOAN PURCHASE AGREEMENT BETWEEN OCWEN MORTGAGE ASSET TRUST I AS MORTGAGE LOAN SELLER, OCWEN FINANCIAL CORPORATION AS GUARANTOR AND BEAR XXXXXXX ASSET BACKED SECURITIES I LLC AS PURCHASER DATED AS OF OCTOBER 24, 2005 TABLE OF CONTENTS Page SECTION 1. Definitions 1 SECTION 2. Purchase and Sale of the Mortgage Loans and Related Rights 3 SECTION 3. Mortgage Loan Schedules 3 SECTION 4. Mortgage Loan Transfer 4 SECTION 5. Examination of Mortgage Files 5 SECTION 6. Recordation of Assignments of Mortgage 7 SECTION 7. Representations and Warranties of Mortgage Loan Seller Concerning the Mortgage Loans 9 SECTION 8. Representations and Warranties Concerning the Mortgage Loan Seller 16 SECTION 9. Representations and Warranties Concerning the guarantor 16 SECTION 10. Representations and Warranties Concerning the Purchaser 17 SECTION 11. Conditions to Closing 19 SECTION 12. Fees and Expenses 21 SECTION 13. Accountants’ Letters 21 SECTION 14. Indemnification 22 SECTION 15. obligations of guarantor 22 SECTION 16. Notices 24 SECTION 17. Transfer of Mortgage Loans 24 SECTION 18. Termination 24 SECTION 19. Representations, Warranties and Agreements to Survive Delivery 24 SECTION 20. Severability 25 SECTION 21. Counterparts 25 SECTION 22. Amendment 25 SECTION 23. GOVERNING LAW 25 SECTION 24. Further Assurances 25 SECTION 25. Successors and Assigns 25 SECTION 26. The Mortgage Loan Seller 25 SECTION 27. Entire Agreement 26 SECTION 28. No Partnership 26 EXHIBITS AND SCHEDULE TO MORTGAGE LOAN PURCHASE AGREEMENT Exhibit 1 Contents of Mortgage File Exhibit 2 Mortgage Loan Schedule Exhibit 3 Mortgage Loan Schedule Information Exhibit 4 Intentionally Omitted Exhibit 5 Intentionally Omitted Exhibit 6 Schedule of Lost Notes Exhibit 7 Standard & Poor’s Appendix E to Glossary MORTGAGE LOAN PURCHASE AGREEMENT MORTGAGE LOAN PURCHASE AGREEMENT, dated as of October 24, 2005, as amended and supplemented by any and all amendments hereto (collectively, “this Agreement”), by and between OCWEN MORTGAGE ASSET TRUST I, a Delaware statutory trust (the “Mortgage Loan Seller”), OCWEN FINANCIAL CORPORATION, a Florida corporation (the "Guarantor") and BEAR XXXXXXX ASSET BACKED SECURITIES I LLC, a Delaware limited liability company (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Mortgage Loan Seller agrees to sell, and the Purchaser agrees to purchase, certain conventional, closed-end, fixed rate and adjustable rate, first and second lien mortgage loans secured by one- to four-family residences as described herein and listed on Exhibit 2, attached hereto (collectively, the “Mortgage Loans”). The Purchaser intends to deposit the Mortgage Loans into a trust fund (the “Trust Fund”), together with certain mortgage loans sold by Xxxxxxxxx Acquisition Trust 2005-1 and by Xxxxxxxxx Acquisition Trust 2005-2, (together with Xxxxxxxxx Acquisition Trust 2005-1, "Xxxxxxxxx") to the Depositor pursuant to two separate mortgage loan purchase agreements dated as of the date hereof, and create Bear Xxxxxxx Asset Backed Securities I LLC, Asset-Backed Certificates, Xxxxxxxxx Mortgage Loan Trust Series 2005-1 (the “Certificates”), under a pooling and servicing agreement, to be dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), among the Purchaser, as depositor, the Mortgage Loan Seller, as seller, Ocwen Loan Servicing, LLC, as servicer (the “Servicer”), Xxxxxxxxx, as seller, LaSalle Bank National Association, as master servicer (in that capacity, the “Master Servicer”) and securities administrator, Xxxxx Fargo Bank, National Association, as custodian (the "Custodian"), The Risk Management Group, as risk manager, and Citibank, N.A. as trustee (the “Trustee”). The Guarantor will guaranty the Mortgage Loan Seller's obligations to repurchase or substitute a Mortgage Loan pursuant to the terms of this Agreement and the Pooling and Servicing Agreement, or indemnify any party pursuant to the terms of this Agreement.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective 14A)Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans xxans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage LenderXxxx Xxxxxxxx Xxxxxr, Broker and Servicer Act, W. Mortgage Loan Act Va. Code XxxAnn. §§ Sections 31-17-1 et Loan seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------ ------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Covered Loan - Mar. 6, 0000) Xxx. §§ 7Xxxxxxxx 0-6A-1 0X-0 et seq. Effective October Octobxx 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Xxxxxxx Xxxx Xxxx Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------ ------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Home Loan - Mar. 6, 2000) Xxx. §§ 7Xxxxxxxx 0-6A-1 et 0X-0 xx seq. Effective October Octobxx 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of Xxxx Xxxx Xxx xx 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. §§ Sections 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. Stat. §§ Sections 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code XxxAnn. §§ Sections 37-23-10 et seq. Effective for loans xxans taken on or after January 1, 2004 Consumer Home LoanSCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Moody's S&P ----- ------- ---- Class A-1 Xxa AAA Class A-2 Aaa AAA Class A-3 Aaa AAA Class R N/R AAA Class M-1 Aa1 AA+ Class M-2 Aa2 AA Class M-3 Aa3 XX- Xxxxx X-0 X0 X+ Xxxxx X-0 A2 A Class M-6 A3 A- Class B-1 A3 BBB+ Class B-2 Baa1 BBB Class B-3 Baa2 BBB- None of the above ratings has been lowered sinxx xxx xxxxxxxxxx xxxxx xx such letters. SCHEDULE B Schedule of Assigned Agreements

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class S&P/Mxxxx’x/Fitch I-A AAA/Aaa/AAA I-M-4 A/X0/X X-X-0 BBB+/Baa1/BBB+ I-B-2 BBB/Baa2/BBB I-X-0 XXX-/Xxx0/XXX X-X-0 XX/Xx0/XX XX-X XX/Xxx/XXX II-M-1 NR/Aa1/AA+ II-M-2 NR/Aa2/AA+ II-M-3 NR/Aa3/AA+ II-M-4 NR/A1/AA II-M-5 NR/A2/AA- II-M-6 NR/A3/A+ II-M-7 NR/Baa1/A II-M-8 NR/Baa2/A- II-M-9 NR/Baa3/BBB+ IX-X-0 XX/Xx0/XXX Xxxx of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Non-Offered Certificates Class Mxxxx’x/Fitch I-C Not Rated II-E Not Rated I-R-1 Not Rated I-R-2 Not Rated I-R-3 Not Rated I-RX Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR’S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR’S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR’S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Moody’s Class A-1 AAA Aaa Class A-2 AAA Aaa Class A-3 AAA Aaa Class X-1 AAA Aaa Class X-2 AAA Aaa Class X-3 AAA Aaa Class X-B AA Aa2 Class B-1 AA Aa2 Class B-2 A A1 Class B-3 BBB Baa1 None of the above ratings has been lowered since the respective dates of such letters. Private Certificates Class S&P Moody’s Class B-4 BB Ba1 Class B-5 B B2 Class B-6 NR NR Class R-I NR NR Class R-II NR NR Class R-III NR NR None of the above ratings has been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE [Provided upon request] EXHIBIT 5 UNDERLYING SERVICING AGREEMENTS

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. 0000 Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Home Loan 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2003

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Gxxxxxx Xxxx Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Stat §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Gxxxxxx Xxxx Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. Stat §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT G FORM 10-D, FORM 8-K AND FORM 10-K REPORTING RESPONSIBILITY As to each item described below, the entity indicated as the Responsible Party shall be primarily responsible for reporting the information to the party identified as responsible for preparing the Securities Exchange Act Reports pursuant to Section 5.06(a)(ii). Under Item 1 of Form 10-D: a) items marked “monthly statement” are required to be included in the periodic Distribution Date statement under Section 5.02, provided by the Securities Administrator based on information received from the Master Servicer; and b) items marked “Form 10-D report” are required to be in the Form 10-D report but not the monthly statement, provided by the party indicated. Information under all other Items of Form 10-D is to be included in the Form 10-D report. Form Item Description Servicer Master Servicer Securities Administrator Custodian Trustee Depositor Sponsor 10-D Must be filed within 15 days of the distribution date for the asset-backed securities.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan Revised 4/18/06 SCHEDULE A DEFECTS SCHEDULE [PROVIDED UPON REQUEST] SCHEDULE B NONE. SCHEDULE C [PROVIDED UPON REQUEST] EXHIBIT G FORM 10-D, FORM 8-K AND FORM 10-K REPORTING RESPONSIBILITY As to each item described below, the entity indicated as the Responsible Party shall be primarily responsible for reporting the information to the party identified as responsible for preparing the Securities Exchange Act Reports pursuant to Section 5.06(a)(ii). Under Item 1 of Form 10-D: a) items marked “monthly statement” are required to be included in the periodic Distribution Date statement under Section 5.02, provided by the Securities Administrator based on information received from the Master Servicer; and b) items marked “Form 10-D report” are required to be in the Form 10-D report but not the monthly statement, provided by the party indicated. Information under all other Items of Form 10-D is to be included in the Form 10-D report. Form Item Description Servicers Master Servicer Securities Administrator Custodian Trustee Depositor Sponsor 10-D Must be filed within 15 days of the distribution date for the asset-backed securities.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Standard & Poor’s High Cost Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan EXHIBIT L SERVICING CRITERIA SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE Assessments of Compliance and Attestation Reports Servicing Criteria1 Reg. AB Item 1122(d) Servicing Criteria Depositor Sponsor Servicer Trustee Custodian Wxxxx Fargo2

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and High Cost Home Loan Consumer Home Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential West Virginia West Virginia Residential Mortgage Loan Act Loan Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------- --------------------------------- ------------------------------ Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 0000 Xxx Xxxxxx Xxx Xxxxxx Home Covered Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------- --------------------------------- ------------------------------ Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Home Loan - Mar. 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 0000 Xxx Xxxxxx Xxx Xxxxxx Home Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2003

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code XxxAxx. §§ 31-17-1 et seq. Effective June 5, 0000 2000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code XxxAxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code XxxAxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Mxxxx’x S&P I-M-3 A0 X- X-X-0 Xxx0 BBB+ I-B-2 Baa2 BBB I-B-3 Baa3 BBB- II-1-A-1 Aaa AAA II-1-A-2 Aaa AAA II-1-A-3 Aaa AAA II-1-X Aaa AAA II-1-PO Aaa AAA II-2-A -- AAA II-B-1 -- AAA II-B-2 -- AAA II-B-3 Aaa AAA II-1-R-1 -- AA II-1-R-2 -- A II-1-R-3 -- BBB None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P I-X-0 XX XX-X-0 XX XX-X-0 X II-B-6 Not Rated I-P Not Rated I-C Not Rated I-R-1 Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage Rhode Island Rhode Island Home Loan Protection Act, R.I. Gen. Laws §§ 34-25.2-1 et seq. Effective December 31, 2006. High Cost Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan Tennessee Tennessee Home Loan Protection Act, Tenn. Code Xxx. §§ 00-00-000 et seq. Effective January 1, 2007. High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-58- 21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF NOTES Public Notes Class S&P Xxxxx’x Fitch Class I-A-1 AAA Aaa AAA Class I-A-2 AAA Aaa AAA Class II-A-1 AAA Aaa AAA Class II-A-2 AAA Aaa AAA Class III-A-1 AAA Aaa AAA Class III-A-2 AAA Aaa AAA Class IV-A-1 AAA Aaa AAA Class IV-A-2 AAA Aaa AAA None of the above ratings has been lowered since the respective dates of such letters. Private Notes Class S&P Xxxxx’x Fitch Class X — — AAA Class B-1 — — AA Class B-2 — — A Class B-3 — — BBB Class B-4 — — BB Class B-5 — — B Class B-6 — — — None of the above ratings has been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s 's Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s 's Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Xxxxx’x Fitch A-1 AAA Aaa AAA A-3 AAA Aaa AAA M-1 AAA -- AAA M-2 AA -- AA M-3 A -- A M-4 A- -- A- M-5 BBB+ -- BBB+ M-6 BBB -- BBB M-7 BBB- -- BBB- None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Private Certificates Class S&P Xxxxx’x Xxxxx XX Not Rated Not Rated Not Rated P Not Rated Not Rated Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, Loan Act Loan W. Va. Code Xxx. §§ Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ---------------------------------- -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ---------------------------------- -------------------------- Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2003

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Fitch/Xxxxx’x A AAA/Aaa X-0 XX/Xx0 X-0 XX-/Xx0 M-3 A+/A1 M-4 A/A2 M-5 A-/A3 B-1 BBB+/Baa1 B-2 BBB/Baa2 B-3 BBB-/Baa3 B-4 BB+/Ba1 None of the above ratings has been lowered, qualified or withdrawn since the dates of issuance of such ratings by the Rating Agencies. Non-Offered Certificates Class Fitch/Xxxxx’x C Not Rated R-1 Not Rated

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. 0000 Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------- --------------------------------- ---------------------------- Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Covered Home Loan Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------- --------------------------------- ---------------------------- Georgia (Oct. 1, 2002 – - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Home Loan 6, 2003) Code Xxx. §§ Sections 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2003

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard & Poor’s Covered Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard & Poor’s Home Loan Categorization State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Fitch Moody’s Class A-1 AAA Aaa Class A-2 AAA Aaa Class A-3 AAA Aaa Class A-4 AAA Aaa Class PO AAA Aaa Class X AAA Aaa Class R-1 AAA -- Class R-2 AAA -- Class B-1 AA Aa2 Class B-2 A A2 Class B-3 BBB Baa2 None of the above ratings have been lowered since the respective dates of such letters. Private Certificates Class Fitch Moody’s Class B-4 BB Ba2 Class B-5 B B2 Class B-6 -- -- None of the above ratings have been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE EXHIBIT A-1 FORM OF CLASS A-[_] CERTIFICATE SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT,” AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE “CODE”). THE CURRENT PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE DECREASED BY THE PRINCIPAL PAYMENTS HEREON AND REALIZED LOSSES ALLOCABLE HERETO. ACCORDINGLY, FOLLOWING THE INITIAL ISSUANCE OF THE CERTIFICATES, THE CURRENT PRINCIPAL AMOUNT OF THIS CERTIFICATE WILL BE DIFFERENT FROM THE DENOMINATION SHOWN BELOW. ANYONE ACQUIRING THIS CERTIFICATE MAY ASCERTAIN ITS CURRENT PRINCIPAL AMOUNT BY INQUIRY OF THE SECURITIES ADMINISTRATOR NAMED HEREIN. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SECURITIES ADMINISTRATOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED WILL BE REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT WILL BE MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. Certificate No.1 Pass-Through Rate: [___]% Class [A]-[_] Senior Date of Pooling and Servicing Agreement and Cut-off Date: August 1, 2005 Aggregate Initial Current Principal Amount of this Senior Certificate as of the Cut-off Date: $[_____________] First Distribution Date: September 25, 2005 Initial Current Principal Amount of this Senior Certificate as of the Cut-off Date: $[_____________] Master Servicer: Xxxxx Fargo Bank, National Association CUSIP: [____________] Assumed Final Distribution Date: [____________] PRIME MORTGAGE TRUST 2005-3 MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2005-3 evidencing a fractional undivided interest in the distributions allocable to the Class [A]-[_] Certificates with respect to a portion of a Trust Fund consisting primarily of a pool of fixed rate mortgage loans secured by first liens on one-to-four family residential properties sold by STRUCTURED ASSET MORTGAGE INVESTMENTS II INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Structured Asset Mortgage Investments II Inc., the Master Servicer, the Securities Administrator or the Trustee referred to below or any of their affiliates or any other person. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental entity or by Structured Asset Mortgage Investments II Inc., the Master Servicer or the Trustee or any of their affiliates or any other person. None of Structured Asset Mortgage Investments II Inc., the Master Servicer, Securities Administrator or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that Cede & Co. is the registered owner of the Fractional Undivided Interest evidenced hereby in the beneficial ownership interest of Certificates of the same Class as this Certificate in a portion of a trust (the “Trust Fund”) primarily consisting of fixed rate mortgage loans secured by first liens on one- to four- family residential properties (collectively, the “Mortgage Loans”) sold by Structured Asset Mortgage Investments II Inc. (“XXXX XX”). The Mortgage Loans were sold by EMC Mortgage Corporation (“EMC”) to XXXX XX. Xxxxx Fargo Bank, National Association (“Xxxxx Fargo”) will act as master servicer of the Mortgage Loans and as securities administrator (the “Master Servicer”, the “Securities Administrator” and the “Paying Agent”, which terms includes any successors thereto under the Agreement referred to below). The Trust Fund was created pursuant to the Pooling and Servicing Agreement dated as of the Cut-off Date specified above (the “Agreement”), among XXXX XX, as depositor (the “Depositor”), Xxxxx Fargo Bank, National Association as master servicer and securities administrator, EMC Mortgage Corporation, as seller and company, and U.S. Bank National Association, as trustee (the “Trustee”), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, capitalized terms used herein shall have the meaning ascribed to them in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of its acceptance hereof assents and by which such Holder is bound. Interest on this Certificate will accrue during the month prior to the month in which a Distribution Date (as hereinafter defined) occurs on the Current Principal Amount hereof at a per annum rate equal to the Pass-Through Rate set forth above and as further described in the Agreement.] The Trustee will distribute on the 25th day of each month, or, if such 25th day is not a Business Day, the immediately following Business Day (each, a “Distribution Date”), commencing on the First Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the calendar month preceding the month of such Distribution Date, an amount equal to the product of the Fractional Undivided Interest evidenced by this Certificate and the amount [(of interest and] principal[, if any)] required to be distributed to the Holders of Certificates of the same Class as this Certificate. The Assumed Final Distribution Date is the Distribution Date in the month immediately following the month of the latest scheduled maturity date of any Mortgage Loan and is not likely to be the date on which the Current Principal Amount of this Class of Certificates will be reduced to zero. Distributions on this Certificate will be made by the Certificate Registrar by check mailed to the address of the Person entitled thereto as such name and address shall appear on the Certificate Register or, if such Person so requests by notifying the Securities Administrator in writing as specified in the Agreement by wire transfer. Notwithstanding the above, the final distribution on this Certificate will be made after due notice by the Paying Agent of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Securities Administrator for that purpose and designated in such notice. The Initial Current Principal Amount of this Certificate is set forth above. The Current Principal Amount hereof will be reduced to the extent of distributions allocable to principal hereon and any Realized Losses allocable hereto. This Certificate is one of a duly authorized issue of Certificates designated as set forth on the face hereof (the “Certificates”). The Certificates, in the aggregate, evidence the entire beneficial ownership interest in the Trust Fund formed pursuant to the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the Trust Fund for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Depositor, the Master Servicer, the Securities Administrator and the Trustee and the rights of the Certificateholders under the Agreement from time to time by the parties thereto with the consent of the Holders of Certificates, evidencing Fractional Undivided Interests aggregating not less than 51% of the portion of the Trust Fund related to such Certificates (or in certain cases, Holders of Certificates of affected Classes evidencing such percentage of the Fractional Undivided Interests thereof). Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable with the Certificate Registrar upon surrender of this Certificate for registration of transfer at the offices or agencies maintained by the Securities Administrator for such purposes, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Securities Administrator duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates in authorized denominations representing a like aggregate Fractional Undivided Interest will be issued to the designated transferee. The Certificates are issuable only as registered Certificates without coupons in the Classes and denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, this Certificate is exchangeable for one or more new Certificates evidencing the same Class and in the same aggregate Fractional Undivided Interest, as requested by the Holder surrendering the same. No service charge will be made to the Certificateholders for any such registration of transfer, but the Securities Administrator may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, Securities Administrator, the Trustee and any agent of any of them may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Master Servicer, Securities Administrator, the Trustee or any such agent shall be affected by notice to the contrary. The obligations created by the Agreement and the Trust Fund created thereby (other than the obligations to make payments to Certificateholders with respect to the termination of the Agreement) shall terminate upon the earlier of (i) the later of the (A) final payment or other liquidation (or Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and (B) disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and the remittance of all funds due under the Agreement, or (ii) the optional repurchase by the party named in the Agreement of all the Mortgage Loans and other assets of the Trust Fund in accordance with the terms of the Agreement. Such optional repurchase may be made only on or after the Distribution Date on which the aggregate unpaid principal balance of the Mortgage Loans is less than the percentage of the aggregate Outstanding Principal Balance specified in the Agreement of the Mortgage Loans at the Cut-off Date. The exercise of such right will effect the early retirement of the Certificates. In no event, however, will the Trust Fund created by the Agreement continue beyond the earlier of (i) the “latest possible maturity date” specified in Section 5.01(d) of the Agreement or (ii) the expiration of 21 years after the death of certain persons identified in the Agreement. Unless this Certificate has been countersigned by an authorized signatory of the Securities Administrator by manual signature, this Certificate shall not be entitled to any benefit under the Agreement, or be valid for any purpose.

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia Xxxx Xxxxxxxx Xxxxxxxxxxx Xxxxxxxx West Virginia Residential Mortgage Lender, Broker and Servicer Act, W. Loan Act Loan Va. Code Xxx. §§ 31Ann.ss.ss.31-17-1 et seqsex. -- --- Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Xxx. §§ 7Covered Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. -- --- Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, N.J. Rev. Stat. §§ 46:10B-22 Stat.ss.ss.46:10B-22 et seq. -- --- Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law/Effective Date Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) - Georgia Fair Lending Act, Ga. Code Xxx. §§ 7Home Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. -- --- Effective October 1, 2002 – - March 6, 2003 New Jersey Xxx Xxxxxx Xxxx Xxxxxxxxx Xxxxxxxy Act Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 Stat.ss.ss.46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. §§ ss.ss. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loans, N.C. Gen. StatStat.ss.ss. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home Loan2004

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Anti-Predatory Lending Law ------------------ ------------------------------------------------- --------------------------------- Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan Loans Act, S.C. Code Xxx. §§ Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Xxx. §§ Act Loan Sections 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard 2002 STANDARD & Poor’s Covered Loan Categorization State/Jurisdiction POOR'S COVERED LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 – 0000 - Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Covered Loan Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Covered Loan New Jersey New Jersey 0000 Xxx Xxxxxx Xxx Xxxxxx Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. §§ Sections 46:10B-22 et seq. Effective November 27, 2003 – - July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization State/Jurisdiction POOR'S HOME LOAN CATEGORIZATION Name of Anti-Predatory Category under Applicable State/Jurisdiction Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ------------------ ------------------------------------------------- --------------------------------- Georgia (Oct. 1, 2002 – 0000 - Xxxxxxx Xxxx Xxxxxxx Xxx, Xx. Code Xxx. Sections Home Loan Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – - March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanSTANDARD & POOR'S HOME LOAN CATEGORIZATION

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Xxxxx’x Class I-A-1 AAA Aaa Class II-A-1 AAA Aaa Class III-A-1 AAA Aaa Class IV-A-1 AAA Aaa Class V-A-1 AAA Aaa Class V-A-2 AAA Aa1 Class R-I AAA NR Class R-II AAA NR Class B-1 AA Aa2 Class B-2 A A2 Class B-3 BBB Baa2 None of the above ratings has been lowered since the respective dates of such letters. Private Certificates Class S&P Xxxxx’x Class B-4 BB NR Class X-0 X XX Xxxxx X-0 XX XX Xxxx of the above ratings has been lowered since the respective dates of such letters. SCHEDULE B MORTGAGE LOAN SCHEDULE

et seq. Effective May 24, 2002 Covered Loan Oklahoma Consumer Credit Code (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 Subsection 10 Mortgage South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code High Cost Home Loan STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 High Cost Home Loan West Virginia West Virginia 0000 Xxxx Xxxxxxxx Xxxx Xxxxxxxx Residential Mortgage Lender, Broker and Servicer Act, W. Va. Code Xxx. §§ 31-17-1 et seq. Effective June 5, 0000 Xxxx Xxxxxxxx Mortgage Loan Act Loan Standard STANDARD & Poor’s Covered Loan Categorization POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Covered Loan New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 Covered Home Loan Standard STANDARD & Poor’s Home Loan Categorization POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Georgia (Oct. 1, 2002 – Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Xxx. §§ 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 Home Loan New Jersey New Jersey Home Ownership Security Home Loan STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 Home Loan New Mexico Home Loan Protection Act, N.M. Rev. Stat. §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 Home Loan North Carolina Restrictions and Limitations on High Cost Home Loans, N.C. Gen. Stat. §§ 24-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) Consumer Home Loan South Carolina South Carolina High Cost and Consumer Home Loans Act, S.C. Code Xxx. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 Consumer Home LoanLoan SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Offered Certificates Class Moody’s S&P Class A AAA AAA Class A-IO AAA AAA Class M-1 Aa2 AA Class M-2 A2 A Class M-3 Calss M-IO Baa2 Baa2 BBB BBB None of the above ratings has been lowered since the respective dates of such letters. KKR SALE AND ASSIGNMENT AGREEMENT SALE AND ASSIGNMENT AGREEMENT, dated as of December 22, 2005, as amended and supplemented by any and all amendments hereto (collectively, the “Agreement”), by and between KKR FINANCIAL CORP., a Maryland corporation (the “Seller”), and KKR FINANCIAL MORTGAGE CORP., a Maryland corporation (the “Purchaser”). Upon the terms and subject to the conditions of this Agreement, the Seller agrees to sell, and the Purchaser agrees to purchase, certain first lien, fixed-rate and adjustable-rate mortgage loans secured by one- to four-family residences, individual condominiums, co-op units and units in planned unit developments (collectively, the “Mortgage Loans”) as described herein. The Purchaser intends to sell the Mortgage Loans to Xxxxxxx Xxxxx Mortgage Investors, Inc. (the “Depositor”), which intends, in turn, to deposit the Mortgage Loans into a trust fund (the “Trust Fund”) and create Mortgage Pass-Through Certificates, Series MLMI 2005-A10 (the “Certificates”), under a pooling and servicing agreement, to be dated as of December 1, 2005 (the “Pooling and Servicing Agreement”), between the Purchaser, as seller, HSBC Bank USA, National Association, as trustee (the “Trustee”) and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator (the “Master Servicer”).