et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.
Appears in 2 contracts
Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac7), Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-He10)
et seq. Effective March 22May 24, 2001 and 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ssAct Loan ▇▇.▇▇. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date Anti-Predatory Lending Law ---- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home ▇▇.▇▇. Covered Loan 598D.010 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable ------------------ -------------------------------------------- ------------------------- Date Anti-Predatory Lending Law ---- -------------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost HHome Loan ▇▇▇ .▇oan ▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. ▇▇.▇▇▇▇▇ ▇-▇ [FORM OF] SWAP CONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ____________________________, as Trustee _____________________________ _____________________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
1. A Principal Prepayment in full or in part was received during the related Prepayment Period;
Appears in 2 contracts
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc10), Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc10)
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 2002 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. Georgia Fair ▇▇v. Stat▇▇▇▇▇ ▇▇▇, ▇▇. ss.ss▇▇▇▇ ▇▇▇. Home Loan 598D.010 ▇▇.▇▇. Covered ▇▇an ▇▇▇▇ - Mar. 6, 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇se▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law Article --------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Georgia Fair ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. Home Lo▇▇ 20▇▇ - Mar. 6, 2003) 7-l High Cost Home Loan 6A-1 et seq. Effective for applications made on or after April October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et se▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. EXHIBIT O CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT Attached to and forming Effective Date of Endorsement: part of Policy No. AB0824BE November 30, 2004 issued to: Wells Fargo Bank, Nati▇▇.▇▇ Association, as Trustee for the Holders of the Nomura Asset Acceptance Corporation, Alternative Loan Trust, Mortgage Pass-Through Certificates, Series 2004-AP3, Class A-4, A-5A and Class A-6 For all purposes of this Policy, the following terms shall have the following meanings:
Appears in 2 contracts
Sources: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3), Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004 - AP3)
et seq. Effec▇▇▇e ▇▇▇ ▇4, 2002 -------------------------------- -------------------------------------------------------------------- Consumer Credit Code (codified in various sections of Oklahoma Title 14A). Effective March 22July 1, 2001 and 2000; amended from time to time --------------------- ------------------------------------------------- effective Jan. 1, 2004 -------------------------------- Massachusetts Predatory Home Loan Practices Act -------------------------------------------------------------------- South Carolina High Cost and Consumer Home Mortgage Loan Mass. Gen. Laws chLoans Act, S.C. Code Ann. 183C, ss.ss. 37-23-10 et seq. Effe▇▇▇ve ▇▇▇ loans South Carolina taken on or after Jan. 1, 2004 -------------------------------- -------------------------------------------------------------------- West Virginia Residential Mortgage Lender, Broker and West Virginia Servicer Act, W. Va. Code Ann. ss.ss. 31-17-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Effec▇▇v. Stat▇e June 5, 2002 -------------------------------- -------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ----------------------------------------------------------------------------------------------------- State/jurisdiction Name of Anti-Predatory Lending Law/Effective Date -------------------------------- -------------------------------------------------------------------- Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Home Loan 598D.010 7-6A-1 et Geo▇▇▇a (▇▇▇. 1, 2002 - seq. Effective October Oct. 1, 2002-March 6, 2003 --------------------- ------------------------------------------------- March 6, 2003) -------------------------------- -------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effectiv▇ ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 262003- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.--------------------------------------------------------------------
Appears in 2 contracts
Sources: Pooling and Servicing Agreement (Cwalt Inc), Pooling and Servicing Agreement (Cwalt Inc)
et seq. Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective March 22Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Effective May 24, 2001 2002 ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Mass. Gen. Laws chAct Servicer Act, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Loa▇ Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ----------------------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Covered Loan Categorization -------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. 6, Georgia Fair Lending Act, ▇▇v. Stat. ss.ss▇▇▇▇ ▇▇▇. Home ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇▇▇ed Loan 598D.010 ▇▇03) et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost N.J. Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.-----------------------------------------------------------------------------------------------------------------------------------
Appears in 2 contracts
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc7), Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc7)
et seq. Effective March 22▇▇▇ective May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or af▇▇▇ January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoStandard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. 284, Nev. §§ Covered Loan 2003) ▇-▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq-▇ ▇▇ ▇▇▇. Effective October 1, 2002 -- March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 -- July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. §§ Home Loan 2003) ▇-▇▇-▇ ▇▇ ▇▇▇. Effective October 1, 2002 -- March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or af▇▇.▇ January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------------- ------------- --------------------- Offered Certificates S&P Moody's ------------------------------------- ------------- --------------------- Class I-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-X AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------------- ------------- --------------------- Class I-B-2 AA Aa1 ------------------------------------- ------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------------- ------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------------- ------------- --------------------- Class I-B-5 A A2 ------------------------------------- ------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------------- ------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------------- ------------- --------------------- Class I-B-8 BBB A3 ------------------------------------- ------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------------- ------------- --------------------- Class II-B-1 AA Aa1 ------------------------------------- ------------- --------------------- Class II-B-2 A Aa2 ------------------------------------- ------------- --------------------- Class II-B-3 BBB A1 ------------------------------------- ------------- --------------------- Class II-B-4 BBB- A3 ------------------------------------- ------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-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 Wells Fargo Bank, National Association, a banking corporation, having a place of ▇▇▇▇ness at 9062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or o▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇) ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇ng and Servicing Agreement, dated as of October 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 Bear Stearns Mortgage Funding Trust 2006-AR3, Mortgage Pass-Through Certificates, Series 200▇-▇▇▇, 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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2006-Ar3)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. Act Loan 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home Covered Loan 598D.010 et seq2003) ▇▇.▇▇. 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- P-25 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇.▇▇. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.---------------------------------------------
Appears in 1 contract
et seq. Effective March 22M▇▇ 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Broker and Servicer Act, W. Va. Code Mortgage Loan Mass. Gen. Laws chAct Loan Ann. 183C, ss.ss. §§ 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoStandard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Covered Loan 1, 2002 - Mar. 6, 2003) Ann. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et ▇▇▇seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Home Loan 1, 2002 - Mar. 6, 2003) Ann. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective ▇▇.▇ loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Moody’s ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- 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 II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-5 A A2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-8 BBB A3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-1 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-2 A Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-3 BBB A1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-4 BBB- A3 ------------------------------- ----------------- --------------------- The Class I-XP, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-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 Wells Fargo Bank, National Association, a banking corporation, having a place of business at ▇▇▇▇ Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or other represen▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇) ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ing Agreement, dated as of September 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 Bear Stearns Mortgage Funding Trust 2006-AR2, Mortgage Pass-Through Certificates, Series 2006-AR2, ▇▇▇▇▇▇ 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:
Appears in 1 contract
Sources: Grantor Trust Agreement (Bear Stearns Mortage Funding Trust 2006-Ar2)
et seq. Effective March 22▇▇y 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after Janua▇▇ 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoStandard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. 284, Nev. §§ Covered Loan 2003) ▇-▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq-▇ ▇▇ ▇▇▇. Effective October 1, 2002 -- March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 -- July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 -- Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. §§ Home Loan 2003) 7-6▇-▇ ▇▇ ▇▇▇. Effective October 1, 2002 -- March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after Janua▇▇ 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------------- ------------- --------------------- Offered Certificates S&P Moody's ------------------------------------- ------------- --------------------- Class I-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class I-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class I-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-X AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-1 AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-2A AAA Aaa ------------------------------------- ------------- --------------------- Underlying Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Grantor Trust Class II-A-2B AAA Aaa ------------------------------------- ------------- --------------------- Class II-A-3 AAA Aaa ------------------------------------- ------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------------- ------------- --------------------- Class I-B-2 AA Aa1 ------------------------------------- ------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------------- ------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------------- ------------- --------------------- Class I-B-5 A A2 ------------------------------------- ------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------------- ------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------------- ------------- --------------------- Class I-B-8 BBB A3 ------------------------------------- ------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------------- ------------- --------------------- Class II-B-1 AA Aa1 ------------------------------------- ------------- --------------------- Class II-B-2 A Aa2 ------------------------------------- ------------- --------------------- Class II-B-3 BBB A1 ------------------------------------- ------------- --------------------- Class II-B-4 BBB- A3 ------------------------------------- ------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-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 Wells Fargo Bank, National Association, a banking corporation, having a place of business ▇▇ ▇062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or other rep▇▇.▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇) ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇ ▇▇rvicing Agreement, dated as of October 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 Bear Stearns Mortgage Funding Trust 2006-AR3, Mortgage Pass-Through Certificates, Series 2006-AR3, 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:
Appears in 1 contract
Sources: Grantor Trust Agreement (Bear Stearns Mortgage Funding Trust 2006-Ar3)
et seq. Effective March 22May 24, 2001 ▇▇▇▇ ------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective fo▇ ▇oa▇▇ ▇▇ken on or after January 1, 2004 ------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Servicer Act, W. Mortgage Loan Mass. Gen. Laws chAct Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Loan Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ------------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization ------------------------------------------------ ------------------------------------------------------------------------------------ Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective Date Law ------------------------------------------------------------------------------------ Georgia (Oct. 1, Nev. 2002 Georgia Fair Lending Act, Ga. Code Covered Loa▇ - ▇▇v. Stat▇. ss.ss▇, ▇▇▇▇) ▇▇▇. Home Loan 598D.010 ▇▇.▇s. 7-6A-1 et seq. Effective October Octo▇▇▇ 1, ▇▇▇2 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective Novembe▇ ▇▇, 2003 - July 5, 2004 ---------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------------------------------------------------ Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective Date Law ------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Code Home Loa▇ - ▇▇▇. ▇, ▇▇▇▇) ▇▇▇. ▇▇.▇s. 7-6A-1 et seq. Effective Octo▇▇▇ 1, ▇▇▇2 - March 6, 2003 ------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January J▇▇▇▇▇y 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effective fo▇ ▇oa▇▇ ▇▇.ken on or after January 1, 2004 ---------------------------------------------------------------------------------- EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Hy3)
et seq. Effective March 22May 2▇, 2001 and 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Practices Act Protection Act, High Cost Home Mortgage Loan Mass. R.I. Gen. Laws ch. 183C, ss.ss. Lawsss.ss.34-25.2-1 et seq. Effective November 7December 31, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No2006. 284, Nev. ▇▇v. Stat. ss.ss. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan 598D.010 Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective October fo▇ ▇▇▇▇▇ ▇aken on or after January 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Ownership Security Act of 2002Loan Protection Act, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58Tenn. Code Ann.ss.ss.45-21A-1 20-101 et seq. Effective as of January 1, 2004; Revised as of February 262007. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6Broker and Servicer Act, W. Loan Act Loan Va. Code Ann.ss.ss.31-l High Cost Home Loan 17-1 et seq. Effective for applications made on or after April 1June 5, 2003 --------------------- ------------------------------------------------- -------------------------------- 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.CATEGORIZATION
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2007-Qa2 Trust)
et seq. Effective March 22for loans closed on or after January 28, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act 2003 ------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. ▇▇▇. ▇▇.▇▇. High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 494.0078 et seq. Effective November 7October 2, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, Nev. 2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 2003) ▇▇v. Stat▇. ss.ss▇▇.▇▇. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002------------------------------------------------------------------------------------------------------------ Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et (Mar. 7, 2003 - current) ▇▇▇. ▇▇.▇▇. 7-6A-1 et seq. Effective for loans closed on or after November 27March 7, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico ------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Loan Ownership and Equity Protection Act, N.M. Rev. Stat. ss.ss. High Cost HLoan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ▇▇▇ .▇oan 58-21A-1 et seq▇. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- 226.32 and 226.34 ------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Category under Name of Anti-Predatory Category under Lending Applicable Lending Anti- State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions ------------------------------------------------------------------------------------------------------------ Effective October 1, 1995, amendments October 1, 2002 ------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ▇▇.▇▇. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. ▇▇▇. High Loan to Value ▇▇.▇▇. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and Limitations on 16a-3-207 became effective April 14, 1999; High APR Consumer Section 16a-3-308a became effective Loan (id. ss. July 1, 1999 16a-3-308a) ------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home High Cost Home Loan LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 24-1.1E et s▇▇.▇▇. 360.100 et seq. Effective June 24, 2003 ------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee A, ▇▇.▇▇. 8-101 et seq. Mortgage
Appears in 1 contract
Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Opt1)
et seq. Effecti▇▇ ▇▇y 24, 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective March 22June 5, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code C▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇) Ann. 183C, ss.ss. 1 7-6A-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Ef▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October ▇ti▇▇ ▇▇tober 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effec▇▇▇▇ November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 H▇▇▇ ▇▇▇▇ ▇▇▇▇) et ▇▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effe▇▇▇▇▇ for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost HHome Loan 58-▇▇▇-▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. ▇▇.▇ec▇▇▇▇ for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- 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. EXHIBIT S-2 [Reserved] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-J4)
et seq. Effective March 22May 24, 2001 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Mass. Gen. Laws chAct Servicer Act, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Statan Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Category under Applicable State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date ------------------------- ------------------ ------------------------------------------------- Anti-Predatory Lending Law -------------------------- ----------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, ▇▇. ▇▇▇▇ Covered Loan - Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.-----------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-45t1)
et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Mass. Gen. Laws chAct Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss. §§ Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Law/Effective Date Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code ▇▇v. Stat▇. ss.ss. Home Loan 598D.010 §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Law/Effective Date Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Home Loan - Mar. 6, 2003) Code ▇▇▇. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Home Loan Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------- Certificates S&P Moodys Class I-1A-1 AAA Aaa Class I-1A-2 AAA Aaa Class I-2A-1 AAA Aaa Class I-2A-2 AAA Aaa Class I-2A-3 AAA Aaa Class II-1A-1 AAA Aaa Class II-2A-1 AAA Aaa Class II-2A-2 AAA Aaa Class II-3A-1 AAA Aaa Class II-4A-1 AAA Aaa Class II-5A-1 AAA Aaa Class II-6A-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 AA- A1 Class II-B-5 A+ A2 Class ▇▇-▇-▇ ▇ ▇▇ ▇▇▇▇▇ ▇▇-▇-▇ ▇- ▇▇▇▇ Class II-B-8 BBB+ Baa2 Class II-B-9 BBB Baa3 Class II-B-10 BB NA Class II-B-11 B NA -------------------------------------------------------------------------------------------- The Class XP, Class B-IO, Class R, Class R-X and Class II-B-12 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 L Pursuant to this Subsequent Transfer Instrument, dated September 30, 2005 (this "Instrument"), between Structured Asset Mortgage Investments II Inc., as seller (the "Seller"), and JPMorgan Chase Bank, National Association, as trustee of the Bear ▇▇▇▇▇▇▇ ALT-A Trust, Mortgage Pass-Through Certificates, Series 2005-9, as purchaser (the "Trustee"), and pursuant to the Pooling and Servicing Agreement, dated as of September 1, 2005 (the "Pooling and Servicing Agreement"), among the Seller, as the seller, ▇▇▇▇▇ Fargo Bank, National Association, as master servicer and securities administrator, EMC Mortgage Corporation and the Trustee, as trustee, the Seller and the Trustee agree to the sale by the Seller and the purchase by the Trustee in trust, on behalf of the Trust, of the Subsequent Mortgage Loans listed on the Schedule of Mortgage Loans attached to this Instrument as Exhibit 1 hereto (the "Subsequent Mortgage Loans"). Capitalized terms used but not otherwise defined herein shall have the meanings set forth in the Pooling and Servicing Agreement.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns ALT-A Trust, Series 2005-9)
et seq. Effective March 22May 24, 2001 2002 ----------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Servicer Act, W. Mortgage Loan Mass. Gen. Laws chAct Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Loan Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No2002 ----------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Lending Law ----------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, G▇. 284, Nev. ▇▇v. Stat▇▇ Covered Loan - Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:▇▇▇ 22 et seq. Effective November 27, 2003 - July 5, 2004 ----------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ Category under Applicable Name of Anti-Predatory Lending Anti-Predatory State/Jurisdiction Law/Effective Date Lending Law ----------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, G▇. ▇▇▇▇ Home Loan - Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ----------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:▇▇▇ ▇2 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------- 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. ▇▇.▇▇▇▇▇ ▇-▇ [▇▇▇▇ ▇▇] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile --------------------, as Trustee --------------------- --------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWMBS, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-8t1)
et seq. Standard & Poor's High Cost Loan Categorization ----------------------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective March 22Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------------------- Effective May 24, 2001 2002 Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Mass. Gen. Laws chAct Servicer Act, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. ▇oa▇ Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ----------------------------------------------------------------------------------------------------------------------------------- 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, Nev. 2002 - Mar. 6, Georgia Fair Lending Act, ▇▇v. Stat. ss.ss▇▇▇▇ ▇▇▇. Home Loan 598D.010 et ▇▇.▇▇. ▇-▇▇-▇ ▇▇ Covered ▇▇an ▇▇▇▇) seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost N.J. Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.-----------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2007-6)
et seq. Effective March 22May 24, 2001 2002 -------------------------------------- ----------------------------------------------- ------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------- ----------------------------------------------- ------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chLoans Act, S.C. Code -------------------------------------- ----------------------------------------------- ------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Ann. 183C, ss.ss. 1 37-23-10 et seq. Effective November 7E▇▇▇ct▇▇▇ ▇or loans taken on or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284-------------------------------------- ----------------------------------------------- ------------------------------- West Virginia West Virginia Residential Mortgage Lender, Nev. ▇▇v. StatWest Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann. ss.ss. Home Act Loan 598D.010 et seq31-17-1 e▇ ▇eq. Effective June 5, 2002 -------------------------------------- ----------------------------------------------- ------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Loan 2003) 7-6▇-▇ e▇ ▇▇▇. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------- ----------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effec▇▇▇▇ November 27, 2003 - July 5, 2004 -------------------------------------- ----------------------------------------------- ------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Home Loan 2003) 7-6A-1 ▇▇ s▇▇. Effective October 1, 2002 - March 6, 2003 -------------------------------------- ---------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan -------------------------------------- ---------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------- ----------------------------------------------- ------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law -------------------------------------- ----------------------------------------------- ------------------------------- Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------------- ---------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seqs▇▇. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------------- ---------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq. Effective for loans taken on or after January 1, 2004 -------------------------------------- ---------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class S&P Moody's --------- ------- --------- I-A-1 AAA Aaa I-A-2 AAA Aaa I-A-3 AAA Aaa I-M-1 AA+ Aa1 I-M-2 AA Aa2 I-M-3 AA- Aa3 I-M-4 A A2 I-B-1 A- A3 I-B-2 BBB+ Baa1 I-B-3 BBB Baa2 I-B-4 BBB- Baa3 II-A-1 AAA Aaa II-A-2 AAA Aaa II-A-3 AAA Aaa II-M-1 AA+ Aa1 II-M-2 AA Aa2 II-M-3 AA- Aa3 II-M-4 A A2 II-B-1 A- A3 II-B-2 BBB+ Baa1 II-B-3 BBB Baa2 II-B-4 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 --------- ----------- ----------- I-B-6 BB+ Ba1 I-B-7 BB Ba2 II-B-6 BB+ Ba1 II-B-7 BB Ba2 I-R-1 Not Rated Not Rated I-R-2 Not Rated Not Rated I-R-3 Not Rated Not Rated I-RX Not Rated Not Rated II-R-1 Not Rated Not Rated II-R-2 Not Rated Not Rated II-R-3 Not Rated Not Rated II-RX Not Rated Not Rated EXHIBIT N SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE KEY: ---- X - obligation [X] - under consideration for obligation Where there are multiple checks for criteria the attesting party will identify in their management assertion that they are attesting only to the portion of the distribution chain they are responsible for in the related transaction agreements.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I LLC)
et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann.ss.ss. 183C, ss.ss. 1 et seq31-17-▇ ▇▇ ▇▇▇. Effective November June 5, 2002 -------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann.ss.ss. 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. -6A-1 ▇▇ ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq▇. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost N.J. Rev. Stat.ss.ss. 46:10B-22 ET SEQ. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan N.J. Rev. StatMar. 6, 2003) Ann.ss.ss. ss.ss. 46:10B-22 et 7-6A-1 ▇▇ ▇▇▇. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ -------------------------------------------------------------------------------------------- CATEGORY UNDER STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- LAW/EFFECTIVE DATE PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat.ss.ss. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. StatHome Loan Stat.ss.ss. ss.ss. High Cost H58-21▇-▇ ▇▇ ▇oan 58-21A-1 et seq▇▇. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24Stat.ss.ss.24-1.1E et s▇▇.ET SEQ. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------- SCHEDULE A ---------- REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates ------------------- Class S&P Moody's ----------------------- --------------------------- ---------------------
Appears in 1 contract
et seq. Effective March 22▇▇▇▇ctive May 24, 2001 and amended from time to time 2002 --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loa▇▇ ta▇▇▇ ▇n or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 2002 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Georgia (Oct. 1, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Lo▇▇ ▇▇▇▇ - ▇▇▇. ▇, ▇▇▇▇) ▇-▇▇-▇ ▇▇ ▇eq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home High Cost Ownership Security Act of 2002, Covered Home Loan Loans, N.C. Gen. N.J. Rev. Stat. ss.ss. 24-1.1E 46:10B-22 et sseq. Effective November 27, ▇▇.▇3 - July 5, 2004 --------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns ARM Trust 2004-12)
et seq. Effective March 22May 24, 2001 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. 31-17-1 et seq. Effective November 7June 5, 2004 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) ▇▇v. Stat▇. ss.ss▇▇.▇▇. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) ▇▇▇. ▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. ▇▇.▇▇▇▇▇ ▇-▇ [FORM OF] SWAP CONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile __________________, as Trustee _______________ _______________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
1. A Principal Prepayment in full or in part was received during the related Prepayment Period;
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc11)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. ss.▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- --------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-46cb)
et seq. Effective March 22May 24, 2001 2002 --------------------------- --------------------------------------- ---------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for loans taken on or after January 1, 2004 --------------------------- --------------------------------------- ---------------------- West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Servicer Act, W. Mortgage Loan Mass. Gen. Laws chAct Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Loa▇ Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 --------------------------- --------------------------------------- ---------------------- Standard & Poor's Covered Loan Categorization --------------------------- -------------------------------------------- ---------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law --------------------------- -------------------------------------------- ---------------------- Georgia (Oct. 1, Nev. ▇▇v. Stat2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ------------------------------------------- ------------------------- New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ------------------------------------------- ------------------------- Standard & Poor's Home Loan Categorization --------------------------- --------------------------------------------- ---------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti-Predatory Lending Law --------------------------- --------------------------------------------- ---------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Home Loan Mar. 6, 2003) ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- -------------------------------------------- ------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. ▇▇▇:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- -------------------------------------------- ------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. Home Loan ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------- -------------------------------------------- ------------------------ North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective for loans taken on or after January 1, 2004 ---------------------------- -------------------------------------------- ------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [RESERVED] [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ____________________, as Trustee _______________ _______________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-2cb)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Effectiv▇ ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for ▇ loans closed on or after November 27January 28, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Florida Fair Lending Act, N.M. Rev. Fla. Stat. Ann. ss.ss. High Cost Home Loan 49▇.▇07▇ ▇▇ seq. Effective October 2, 2002 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER LAW/EFFECTIVE DATE APPLICABLE ANTI- PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code High Cost H▇▇▇ ▇oan 58▇▇▇ ▇▇▇. ▇, ▇▇▇▇) ▇▇n. ss.ss. 7-21A-1 6A-1 et seq. Effecti▇▇ Oc▇▇▇▇▇ 1, 2002 - March 6 2003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. ss.ss. 7-6A-1 et seq. Effecti▇▇ fo▇ ▇▇▇ns closed on or after March 7, 2003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective ▇▇▇▇ber 1, 1995, amendments October 1, 2002 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective as of January Ja▇▇▇▇▇ 1, 20042004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 1▇▇-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Revised as of February 26Sections 16a-1-301 and 16a-3-207 became effective April 14, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 61999; Section 16a-3-l High Cost Home Loan Effective for applications made on or after April 308a became effective July 1, 1999 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Kentucky 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on KY H.B. 287 - High Cost Home High Cost Home Loan LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. High Rate High Fee 9- Mortgage A, ss.ss. 8-1.1E 101 et s▇▇seq.
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2006-Qs12 Trust)
et seq. Effe▇▇▇▇▇ for loans closed on or after January 28, 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code H▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Eff▇▇▇iv▇ ▇▇▇ober 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ - ▇▇▇▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Eff▇▇▇iv▇ ▇▇▇ loans closed on or after March 7, 2003 ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effec▇▇▇▇ October 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ▇▇▇▇ary 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Consumer ss.ss. 16a-1-101 et seq. Loan (▇▇. ▇s. 16a-3-207) and; ------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (id. effective April 14, 1999; Section 16a-3-308a ss. 16a-3-308a) became effective July 1, 1999 ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. Rev. High Cost Home Loan Stat. ss.ss. 360.100 et seq. Effecti▇▇ ▇▇ne 24, 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee Mortgage A, ss.ss. 8-101 et seq. Effective ▇▇▇▇ember 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Rev. Stat. ss.ss. Home Loan ss.ss. 598D.010 et seq. Effective October Effect▇▇▇ ▇ctober 1, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effe▇▇▇. Effective ▇▇ for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-J4)
et seq. Effective March 22Effectiv▇ ▇▇▇ 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Ef▇▇▇ti▇▇ ▇▇r loans taken on or after January 1, 2004 ---------------------------------- ----------------------------------------------------- ----------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ssAct Loan ss.s▇. 31-17-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Effectiv▇ ▇▇v. Stat▇e 5, 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ----------------------------- Category under Applicable Anti- Name of Anti-Predatory Lending Predatory Lending State/Jurisdiction Law/Effective Date Law ---------------------------------- ----------------------------------------------------- ----------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Covered ▇▇▇▇ ▇▇▇▇) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October Effe▇▇▇ve ▇▇▇▇ber 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effecti▇▇ ▇▇▇. Effective for loans closed on or after November vember 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico - July 5, 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ Standard & Poor's Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.Categorization ------------------------------------------ ---------------------------------- ----------------------------------------------------- -----------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-21cb)
et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Applicable Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home High Cost Ownership Security Covered Home Loan LoansAct of 2002, N.C. Gen. N.J. Rev. Stat. ss.ss. 24-1.1E 46:10B- 22 et s▇▇.seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-47cb)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss▇▇.▇▇. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill ▇▇▇▇ No. 284, Nev. Rev. Stat. ▇▇v. Stat. ss.ss.▇▇. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss▇▇.▇▇. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc3)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Standard & Poor's High Cost Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code ▇▇▇. ▇▇.▇▇. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. Act Loan 31-17-1 et seq. -- --- Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home ▇▇.▇▇. Covered Loan 598D.010 2003) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et seq. -- --- Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- O-4 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. Home Loan 2003) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et sseq. -- --- Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code ▇▇▇. ▇▇.▇▇. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- O-5 EXHIBIT P [Reserved] EXHIBIT Q MONTHLY REPORT [On file with Trustee] EXHIBIT R-1 FORM OF PERFORMANCE CERTIFICATION (Subservicer) Re: The Pooling and Servicing Agreement dated as of [________] (the "Pooling and Servicing Agreement") among CWALT, Inc., as Depositor, Countrywide Home Loans, Inc., as a Seller, Park Monaco Inc., as a Seller, Park Sienna LLC, as a Seller, Countrywide Home Loans Servicing LP, as Master Servicer, the undersigned, as Trustee and [Subservicing Agreement] dated as of [ ] (the "Agreement") I, ________________________________, the _______________________ of [NAME OF COMPANY] (the "Company"), certify to the Depositor and the Master Servicer, and their officers, with the knowledge and intent that they will rely upon this certification, that:
(1) I have reviewed the servicer compliance statement of the Company provided in accordance with Item 1123 of Regulation AB (the "Compliance Statement"), the report on assessment of the Company's compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB (the "Servicing Criteria"), provided in accordance with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended (the "Exchange Act") and Item 1122 of Regulation AB (the "Servicing Assessment"), the registered public accounting firm's attestation report provided in accordance with Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of Regulation AB (the "Attestation Report"), all servicing reports, officer's certificates and other information relating to the servicing of the Mortgage Loans by the Company during 200[ ] that were delivered by the Company to the Depositor, the Master Servicer or the Trustee pursuant to the Agreement (collectively, the "Company Servicing Information");
(2) Based on my knowledge, the Company Servicing Information, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in the light of the circumstances under which such statements were made, not misleading with respect to the period of time covered by the Company Servicing Information;
(3) Based on my knowledge, all of the Company Servicing Information required to be provided by the Company under the Agreement has been provided to the Depositor, the Master Servicer or the Trustee, as applicable;
(4) I am responsible for reviewing the activities performed by the Company as a servicer under the Agreement, and based on my knowledge and the compliance review conducted in preparing the Compliance Statement and except as disclosed in the Compliance Statement, the Servicing Assessment or the Attestation Report, the Company has fulfilled its obligations under the Agreement in all material respects; and
(5) The Compliance Statement required to be delivered by the Company pursuant to the Agreement, and the Servicing Assessment and Attestation Report required to be provided by the Company and by any Subservicer or Subcontractor pursuant to the Agreement, have been provided to the Master Servicer. Any material instances of noncompliance described in such reports have been disclosed to the Master Servicer. Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports. Date: _________________________ By: ________________________________ Name: Title: ▇▇▇▇▇▇▇ ▇-▇ FORM OF PERFORMANCE CERTIFICATION (Trustee) Re: The Pooling and Servicing Agreement dated as of [________], (the "Pooling and Servicing Agreement") among CWALT, Inc., as Depositor, Countrywide Home Loans, Inc., as a Seller, Park Monaco Inc., as a Seller, Park Sienna LLC, as a Seller, Countrywide Home Loans Servicing LP, as Master Servicer, the undersigned, as Trustee I, ________________________________, the _______________________ of [NAME OF COMPANY] (the "Company"), certify to the Depositor and the Master Servicer, and their officers, with the knowledge and intent that they will rely upon this certification, that:
(1) I have reviewed the report on assessment of the Company's compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB (the "Servicing Criteria"), provided in accordance with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended (the "Exchange Act") and Item 1122 of Regulation AB (the "Servicing Assessment"), the registered public accounting firm's attestation report provided in accordance with Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of Regulation AB (the "Attestation Report"), [all reports on Form 10-D containing statements to certificateholders filed in respect of the period included in the year covered by the annual report of the Trust Fund] (collectively, the "Distribution Date Statements");
(2) Assuming the accuracy and completeness of the information delivered to the Company by the Master Servicer as provided in the Pooling and Servicing Agreement and subject to paragraph (4) below, the distribution information determined by the Company and set forth in the Distribution Date Statements contained in all Form 10-D's included in the year covered by the annual report of such Trust on Form 10-K for the calendar year 200[ ], is complete and does not contain any material misstatement of fact as of the last day of the period covered by such annual report;
(3) Based solely on the information delivered to the Company by the Master Servicer as provided in the Pooling and Servicing Agreement, (i) the distribution information required under the Pooling and Servicing Agreement to be contained in the Trust Fund's Distribution Date Statements and (ii) the servicing information required to be provided by the Master Servicer to the trustee for inclusion in the Trust Fund's Distribution Date Statements, to the extent received by the Trustee from the Master Servicer in accordance with the Pooling and Servicing Agreement, is included in such Distribution Date Statements;
(4) The Company is not certifying as to the accuracy, completeness or correctness of the information which it received from the Master Servicer and did not independently verify or confirm the accuracy, completeness or correctness of the information provided by the Master Servicer;
(5) I am responsible for reviewing the activities performed by the Company as a person "performing a servicing function" under the Pooling and Servicing Agreement, and based on my knowledge and the compliance review conducted in preparing the Servicing Assessment and except as disclosed in the Servicing Assessment or the Attestation Report, the Company has fulfilled its obligations under the Pooling and Servicing Agreement; and
(6) The Servicing Assessment and Attestation Report required to be provided by the Company and by Subcontractor pursuant to the Pooling and Servicing Agreement, have been provided to the Master Servicer and the Depositor. Any material instances of noncompliance described in such reports have been disclosed to the Master Servicer and the Depositor. Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports. Date: _________________________ By: ________________________________ Name: Title: EXHIBIT S [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria":
(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------------- ---------------------- Any requirements in the transaction agreements to maintain 1122(d)(1)(iii) a back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- 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 1122(d)(1)(iv) the terms of the transaction agreements. --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- 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 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an 1122(d)(2)(ii) obligor or to an investor are made only by authorized personnel. --------------------- ---------------------- 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 1122(d)(2)(iii) approved as specified in the transaction agreements. --------------------- ---------------------- 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 1122(d)(2)(iv) transaction agreements. --------------------- ---------------------- 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 1122(d)(2)
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oa17)
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 2002 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan LoansGeorgia (Oct. ▇, N.C. Gen. Stat▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. 24-1.1E et s▇▇.▇▇. Covered Loan 2002 - Mar. 6, 2003) 7-6A-1 et seq. --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Covered Home Loan N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2004-Ar3)
et seq. Exh 2-4 Effective March 22May 24, 2001 2002 -------------------------------------------------- ------------------------------------- ---------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. ▇▇.▇▇. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Mass. Gen. Laws chAct Loan Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 -------------------------------------------------- ------------------------------------- ---------------------------- STANDARD & POOR'S ----------------- COVERED LOAN CATEGORIZATION --------------------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti-Predatory Lending Law -------------------------------------------------- ------------------------------------- ---------------------------- Georgia (Oct 1, Nev. 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Covered Loan ▇▇v. Stat▇. ss.ss▇▇.▇▇. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------- ------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- STANDARD & POOR'S ----------------- HOME LOAN CATEGORIZATION ------------------------ Exh 2-5 State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti-Predatory Lending Law -------------------------------------------------- ------------------------------------- ---------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Home Loan ▇▇▇. ▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------- ------------------------------------- ---------------------------- Indiana Indiana Home Loan Practices Act, Home Loan Ind. Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for loans originated on or after January 1, 2005. -------------------------------------------------- ------------------------------------- ---------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------- ------------------------------------- ---------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------- ------------------------------------- ---------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------------- ------------------------------------- ---------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. ▇▇.▇▇. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------- ------------------------------------- ---------------------------- Exh 2-6 EXHIBIT Q CERTIFICATE GUARANTY INSURANCE POLICY Ambac Ambac Assurance Corporation ▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇ ▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ Telephone: (▇▇▇) ▇▇▇ ▇▇▇▇ CERTIFICATE GUARANTY INSURANCE POLICY Insured Obligations: Policy Number: Homestar Mortgage Acceptance Corp. AB0826BE Asset-Backed Pass-Through Certificates, Series 2004-6, Class A-3B Premium: As specified in the endorsement attached hereto. AMBAC ASSURANCE CORPORATION (AMBAC), a Wisconsin stock insurance corporation, in consideration of the payment of the premium and subject to the terms of this Policy, hereby agrees unconditionally and irrevocably to pay to the Trustee for the benefit of the Holders of the Insured Obligations, that portion of the Insured Amounts which shall become Due for Payment but shall be unpaid by reason of Nonpayment. Ambac will make such payments to the Trustee from its own funds on the later of (a) one (1) Business Day following notification to Ambac of Nonpayment or (b) the Business Day on which the Insured Amounts are Due for Payment. Such payments of principal or interest shall be made only upon presentation of an instrument of assignment in form and substance satisfactory to Ambac, transferring to Ambac all rights under such insured Obligations to receive the principal of and Interest on the Insured Obligation. Ambac shall be subrogated to all the Holders' rights to payment on the Insured Obligations to the extent of the insurance disbursements so made. Once payments of the Insured Amounts have been made to the Trustee, Ambac shall have no further obligation hereunder in respect of such Insured Amounts. In the event the Trustee for the Insured Obligations has notice that any payment of principal or interest on an Insured Obligation which has become Due for Payment and which is made to a Holder by or on behalf of the Trustee has been deemed a preferential transfer and theretofore recovered from its Holder pursuant to the United States Bankruptcy Code in accordance with a final, nonappealable order of a court of competent jurisdiction, such Holder will be entitled to payment from Ambac to the extent of such recovery if sufficient funds are not otherwise available. This Policy is noncancelable by Ambac for any reason, including failure to receive payment of any premium due hereunder. The premium on this Policy is not refundable for any reason. This Policy does not insure against loss of any prepayment or other acceleration payment which at any time may become due in respect of any Insured Obligation, other than at the sole option of Ambac, nor against any risk other than Nonpayment, including failure of the Trustee to make any payment due Holders of Insured Amounts. To the fullest extent permitted by applicable law, Ambac hereby waives and agrees not to assert any and all rights and defenses, to the extent such rights and defenses may be available to Ambac, to avoid payment of its obligations under this Policy in accordance with the express provisions hereof. Any capitalized terms not defined herein shall have the meaning given such terms in the endorsement attached hereto or in the Agreement. In witness whereof, Ambac has caused this Policy to be affixed with its corporate seal and to be signed by its duly authorized officers in facsimile to become effective as their original signatures and binding upon Ambac by virtue of the countersignature of its duly authorized representative. President Secretary [Seal] Effective Date: November 19, 2004 Authorized Representative CERTIFICATE GUARANTY INSURANCE POLICY ENDORSEMENT Attached to and forming Effective Date of Endorsement: part of Policy No. AB0826BE November 19, 2004 issued to: HSBC Bank USA, National Association, as Trustee for the Holders of the Homestar Mortgage Acceptance Corp. Asset-Backed Pass-Through Certificates, Series2004-6, Class A-3B For all purposes of this Policy, the following terms shall have the following meanings:
Appears in 1 contract
et seq. Effective March 22Effect▇▇▇ May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Practices Act Protection Act, R.I. High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. Lawsss.ss.34-25.2-1 et seq. Effective November 7December 31, 2004 --------------------- 2006. ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan 598D.010 Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et for loans taken on or after Ja▇▇▇. Effective for loans closed on or after November 27ry 1, 2003 --------------------- 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico ---------------------------------- ------------------------------------------------- -------------------------------- Tennessee Tennessee Home Loan Protection Act, N.M. Rev. Stat. ss.ss. Tenn. Code High Cost H▇▇▇ ▇oan 58Home Loan Ann.ss.ss.45-21A-1 20-101 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- 2007. ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann.ss.ss. Act Loan 31-17-1 et seq. ▇▇fective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.CATEGORIZATION
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2006-Qa10 Trust)
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, ss.ss. 1 et seq. Effective November 72002 - Mar. ▇, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode Covered Loan 2003) ▇▇▇. Home Loan 598D.010 ▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. 7-6A-1 Home Loan 2003) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et sseq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] ▇▇.▇▇▇▇▇ ▇-▇ [RESERVED] EXHIBIT T [RESERVED]
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-33cb)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Rhode Island Rhode Island Home Loan Practices Act Protection Act, R.I. High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. Lawsss.ss.34-25.2-1 et seq. Effective November 7December 31, 2004 --------------------- 2006. ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home High Cost Home Loan 598D.010 Loans Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective October for loans taken on ▇▇ after January 1, 2003 --------------------- 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Tennessee Tennessee Home Loan Protection Act, N.M. Rev. Stat. ss.ss. Tenn. Code High Cost H▇▇▇ ▇oan 58Home Loan Ann.ss.ss.45-21A-1 20-101 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- 2007. ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Broker and Servicer Act, W. Va. Code Ann.ss.ss. Act Loan 31-17-1 et seq. Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.CATEGORIZATION
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2006-Qa11 Trust)
et seq. Effec▇▇▇▇ for loans closed on or after January 28, 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Loan 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Hi▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Effe▇▇▇ve ▇▇▇▇ber 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, Georgia Fair Lending Act, Ga. Code ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ - ▇▇▇▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Effe▇▇▇ve ▇▇▇ loans closed on or after March 7, 2003 ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effect▇▇▇ ▇ctober 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective ▇▇▇▇▇ry 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consume▇ ▇▇▇n (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became ------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan became effective July 1, 1999 (id. ss. 16a-3-308a) ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Ho▇▇ ▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Loan Stat. ss.ss. 360.100 et seq. Effectiv▇ ▇▇▇e 24, 2003 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9 High Rate High Fee Mortgage A, ss.ss. 8-101 et seq. Effective ▇▇▇▇▇mber 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------- Massachusetts Part 40 and Part 32, 209 C.M.R. ss.ss. High Cost Home Loan 32.00 et seq. and 209 C.M.R. ss.ss. 40.01 et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Rev. Stat. ss.ss. Home Loan ss.ss. 598D.010 et seq. Effective October Effecti▇▇ ▇▇tober 1, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et ▇▇▇seq. High Cost Home Loa▇ Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-25cb)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code ▇▇v. Stat▇. ss.ss. Home Loan 598D.010 §§ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Standard & Poor's Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, N.C. Gen. Stat. ss.ss. 24-1.1E et s2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code ▇▇.▇. §§ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
Sources: Assignment and Assumption Agreement (Residential Asset Securities Corp)
et seq. Effective March ▇▇▇▇h 22, 2001 and amended from time to time --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November Nov▇▇▇▇▇ 7, 2004 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Rev. Stat. ss.ss. Home Loan 598D.010 et seqe▇ ▇▇▇. Effective October 1, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et 46:10B- Stan▇▇▇▇ & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable ------------------------------ ------------------------- State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ------------------ ------------------ -------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost HHome Loan ▇▇▇ -▇oan 58-21A-1 1A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effecti▇▇ ▇▇.ly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- --------------------------------
Appears in 1 contract
et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284--------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. ▇▇v. Stat2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et ▇▇▇seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- O-4 --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq. Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- EXHIBIT P [FORM OF] SUPPLEMENTAL TRANSFER AGREEMENT THIS SUPPLEMENTAL TRANSFER AGREEMENT, dated as of ____________, 200_ (this "Supplemental Transfer Agreement"), among CWALT, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC. ("CHL"), a New York corporation, as a seller (a "Seller"), PARK GRANADA LLC ("Park Granada"), a Delaware limited liability company, as a seller (a "Seller"), PARK MONACO INC. ("Park Monaco"), a Delaware limited liability corporation, as a seller (a "Seller"), PARK SIENNA LLC ("Park Sienna"), a Delaware limited liability company, as a seller (a "Seller" and together with CHL, Park Granada and Park Monaco, the "Sellers") under the Pooling and Servicing Agreement referred to below, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee");
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-58)
et seq. Effective March 22May 24, 2001 and ▇▇02 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective July 1, 2000; amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory effective January 1, 2004 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Rhode Island Rhode Island Home Loan Practices Act Protection Act, R.I. Gen. High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. Lawsss.ss.34-25.2-1 et seq. Effective November 7December 31, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No2006. 284, Nev. ▇▇v. Stat. ss.ss. ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- South Carolina South Carolina High Cost and Consumer Home Loans High Cost Home Loan 598D.010 Act, S.C. Code Ann.ss.ss.37-23-10 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et for lo▇▇▇. Effective for loans closed ▇ taken on or after November 27January 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico 2004 ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- Tennessee Tennessee Home Loan Protection Act, N.M. Rev. StatTenn. Code Ann. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan ss.ss.45-20-101 e▇ ▇eq. Effective for applications made on or after April January 1, 2003 --------------------- ------------------------------------------------- -------------------------------- 2007. ------------------------------------- ------------------------------------------------------ ----------------------------------- ------------------------------------- ------------------------------------------------------ ----------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker West Virginia Mortgage Loan Act and Servicer Act, W. Va. Code Ann.ss.ss.31-17-1 et seq. Loan Effective J▇▇▇ 5, 2002 ------------------------------------- ------------------------------------------------------ ----------------------------------- -------------------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.CATEGORIZATION
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2007-Qa3 Trust)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home 2002 -------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. sections of Title 14A) Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October July 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of 2000; amended effective January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable Lending State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North -------------------------------------------------------------------------------------------------------- South Carolina Restrictions and Limitations on South Carolina High Cost Home and Consumer High Cost Home Loan LoansHome Loans Act, N.C. Gen. S.C. Code ▇▇▇. Sections 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Loan Lender, Broker and Servicer Act, W. Va. Act Loan Code ▇▇▇. Sections 31-17-1 et seq. Effective June 5, 2002 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇▇▇. Covered Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, N.J. Rev. Stat. ss.ssSections 46:10B-22 et seq. 24Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-1.1E et sPredatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law -------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code ▇▇.▇. Home Loan Mar. 6, 2003) Sections 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------------------- EXHIBIT 1-4 STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Assignment and Assumption Agreement (Residential Funding Mortgage Securities Ii Inc)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home §§ Covered Loan 598D.010 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code ▇▇.▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P ▇▇▇▇▇'▇ ------------------------------- ----------------- --------------------- 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 II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-4 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa1 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa2 ------------------------------- ----------------- --------------------- Class I-B-5 A Aa3 ------------------------------- ----------------- --------------------- Class I-B-6 A- A1 ------------------------------- ----------------- --------------------- Class I-B-7 BBB+ A3 ------------------------------- ----------------- --------------------- Class I-B-8 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aaa ------------------------------- ----------------- --------------------- Class II-B-2 A Aa3 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A3 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- Baa1 ------------------------------- ----------------- --------------------- The Class I-XP-1, Class I-XP-2, Class I-B-IO, Class II-XP, Class II-B-IO, Class R and Class R-X 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 ▇▇▇▇▇ Fargo Bank, National Association, a banking corporation, having a place of business at ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of January 1, 2007, 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 Bear ▇▇▇▇▇▇▇ Mortgage Funding Trust 2007-AR1, Mortgage Pass-Through Certificates, Series 2007-AR1, 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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2007-Ar1)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Practices Act Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Rev. Stat. ss.ss. Home Loan ss.ss. 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B O-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- 22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, Act Loan ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoStandard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. 284, Nev. ▇▇v. Stat▇▇ ▇▇▇. ss.ss▇▇.▇▇. Home Loan 598D.010 ▇▇▇▇▇▇▇ ▇▇▇n 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- --------------------------------
Q-4 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇▇▇ ▇003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 EXHIBIT S-2 EXHIBIT T [Reserved] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- 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 1122(d)(1)(iv) the terms of the transaction agreements. --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- 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 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an 1122(d)(2)(ii) obligor or to an investor are made only by --------------------- ----------------------
W-1 Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- authorized personnel. --------------------- ---------------------- 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 1122(d)(2)(iii) approved as specified in the transaction agreements. --------------------- ---------------------- 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 1122(d)(2)(iv) transaction agreements. --------------------- ---------------------- 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 1122(d)(2)
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2007-8cb)
et seq. Effective March 22May 24, 2001 2002 ----------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code Subsection 10 Mortgage (codified in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Loan Consumer Home Loans Act, S.C. Code Ann. ▇s.▇▇. ▇7-23-10 et seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Mass. Gen. Laws chAct Loan Servicer Act, W. Va. Code Ann. 183C, ss.ss▇s.▇▇. ▇1-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- 2002 ----------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Applicable Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost ----------------------------------------------------------------------------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan Code Ann. ▇s.▇▇. ▇-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ----------------------------------------------------------------------------------------------- New Jersey New Jersey Home High Cost Ownership Covered Home Loan LoansSecurity Act of 2002, N.C. Gen. N.J. Rev. Stat. ss.ss. 24-1.1E et sss.▇▇.. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ----------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION
Appears in 1 contract
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat▇▇ ▇▇▇ered Loan 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇e Loan ▇▇▇3) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-6cb)
et seq. Effective March 22, 2001 and amended from time to time --------------------- N-3 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws ch. 183CBroker and Servicer Act, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. StatW. Va. Code Ann. ss.ss. Home Act Loan 598D.010 et seq31-17-1 ET SEQ. Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Le▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇▇ered Loa▇ ▇003) ss.ss. 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ET SE▇. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Le▇▇▇▇▇ ▇▇▇, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇▇e Loan 2▇▇▇) ss.ss. 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 ET SE▇. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.--------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (NAAC Alternative Loan Trust, Series 2005 - AP1)
et seq. Effective March 22May 24, 2001 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. ▇▇▇ective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, W. Loan Mass. Gen. Laws ch. 183C, ss.ss. Act Loan Va. Code Ann.ss.ss.31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, Nev. ▇▇v. Stat. ss.ss. Home 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan 598D.010 Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - ▇arch 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, High Cost N.J. Rev. Stat.ss.ss.46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann.ss.ss.7-6A-1 et seq. Effective October 1, 2002 - ▇arch 6, 2003 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 Stat.ss.ss.46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ssStat.ss.ss. 24-1.1E et sseq. ▇▇.▇▇ctive July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. ▇▇▇ective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2006-Qo3 Trust)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 – Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home §§ Covered Loan 598D.010 2003) 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 – July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 – Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 – March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code ▇▇.▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P ▇▇▇▇▇'▇ ------------------------------- ----------------- --------------------- 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 II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------- ----------------- --------------------- Class I-B-5 A A2 ------------------------------- ----------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aa1 ------------------------------- ----------------- --------------------- Class II-B-2 A Aa2 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A1 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- A3 ------------------------------- ----------------- --------------------- The Class I-XP, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-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 ▇▇▇▇▇ Fargo Bank, National Association, a banking corporation, having a place of business at ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of July 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 Bear ▇▇▇▇▇▇▇ Mortgage Funding Trust 2006-AR1, Mortgage Pass-Through Certificates, Series 2006-AR1, 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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2006-Ar1)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002Georgia as amended (Mar. 7, ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et - current) ▇▇.▇▇. 7-6A-1 ET SEQ. Effective for loans closed on or after November 27March 7, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico HOEPA Section 32 Home Ownership and Equity Protection Act High Cost Loan of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ▇▇.▇▇. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. Stat. ss.sstit. High Cost HRisk Home Loan 815, ▇▇▇ .▇oan 58-21A-1 et seq▇. 137/5 ET SEQ. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 --------------------- regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l Indiana Indiana Home Loan Practices Act, Ind. Code ▇▇▇. High Cost Home Loan ▇▇.▇▇. 24-9-1-1 ET SEQ. Effective for applications made loans originated on or after April January 1, 2003 --------------------- 2005. ---------------------------------- ------------------------------------------------- -------------------------------- Kansas Consumer Credit Code, Kan. Stat. ▇▇▇. High Loan to Value Consumer ▇▇.▇▇. 16a-1-101 ET SEQ. Loan (ID. ss. 16a-3-207) and; -------------------------------- Sections 16a-1-301 and 16a-3-207 became High APR Consumer Loan (ID. ss. effective April 14, 1999; Section 16a-3-308a 16a-3-308a) became effective July 1, 1999 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/Jurisdiction Name of AntiJURISDICTION NAME OF ANTI-Predatory Category under Applicable Lending LawPREDATORY LENDING LAW/Effective Date AntiEFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-Predatory Lending Law --------------------- PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home Kentucky 2003 KY H.B. ▇▇▇ - ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇, ▇▇. High Cost Home Loan Loans, N.C. Gen. Rev. Stat. ss.ss. 24-1.1E et s▇▇.▇▇. 360.100 ET SEQ. Effective June 24, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9-A, High Rate High Fee Mortgage ▇▇.▇▇. 8-101 ET SEQ.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2005-Ac1)
et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chAct Loan Servicer Act, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 --------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable ------------------ ------------------------------ ---------- Law/Effective Date Anti-Predatory ------------------ -------------- Lending Law ----------- --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. ▇▇v. Stat2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable ------------------ ------------------------------ ---------- Law/Effective Date Anti-Predatory ------------------ -------------- Lending Law ----------- --------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Home Loan - Mar. 6, 2003) Code Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Home Loan Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) --------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee]
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-J8)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. Act Loan 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- ----------------------------------------------------------------------------------------------------------------------- NAME OF ANTI-PREDATORY CATEGORY UNDER APPLICABLE STATE/JURISDICTION LENDING LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home Covered Loan 598D.010 et seq2003) ▇▇.▇▇. 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇.▇▇. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.---------------------------------------------
Appears in 1 contract
et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183CConsumer Home Loans Act, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. StatS.C. Code Ann. ss.ss. Home 37-23-▇▇ e▇ ▇▇▇. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and Servicer Act, Loan 598D.010 Act Loan W. Va. Code Ann. ss.ss. 31-17-▇ et seq▇▇▇. Effective June 5, 2002 -------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti- Predatory Lending Law -------------------------------------------------------------------------------------------------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Covered Loan Ann. ss.ss. 7-6A-▇ ▇t ▇▇▇. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION -------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti- Predatory Lending Law -------------------------------------------------------------------------------------------------------------------- Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Code Home Loan Ann. ss.ss. 7-6A-▇ ▇t ▇▇▇. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Home Loan Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seqe▇ ▇▇▇. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.--------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat▇▇ ▇▇▇ered Loan 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇e Loan ▇▇▇3) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [FORM OF] SWAP CONTRACT ASSIGNMENT AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. ▇▇.▇▇▇▇▇ ▇-▇ [▇▇▇▇ ▇▇] ▇▇▇▇ ▇ONTRACT ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc6)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, Act Loan ss.ss. 31-17-1 et seq. -- --- Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. 6, Georgia Fair Lending Act, Ga. ▇▇v. Stat▇▇ ▇▇▇. ss.ss▇▇.▇▇. Home ▇▇▇▇▇▇▇ Loan 598D.010 20▇▇) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. -- --- Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- --------------------------------
Q-4 Standard & Poor's Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇▇n 2003) 7-6A-1 et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. -- --- Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- 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. ▇▇.▇▇▇▇▇ ▇-▇ [▇▇▇▇ ▇▇] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [Reserved] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ----------------------
(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. --------------------- ---------------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- 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 1122(d)(1)(iv) the terms of the transaction agreements. --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- 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 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by --------------------- ----------------------
W-1 Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- authorized personnel. --------------------- ----------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-41cb)
et seq. Effective March 22Effecti▇▇ May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act ---------------------------------- ------------------------------------------------- -------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans taken on or after Jan▇▇▇y 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Broker and Servicer Act, W. Va. Code Mortgage Loan Mass. Gen. Laws chAct Loan Ann. 183C, ss.ss. §§ 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoStandard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Covered Loan 1, 2002 - Mar. 6, 2003) Ann. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et ▇▇▇seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. Georgia Fair Lending Act, Ga. Code Home Loan 1, 2002 - Mar. 6, 2003) Ann. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Consumer Home Loan Home Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effect▇▇.▇ for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P Moody’s ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- 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 II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-5 A A2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-6 BBB Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-7 BBB- Baa3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-8 BBB A3 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-1 AA Aa1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-2 A Aa2 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-3 BBB A1 ------------------------------- ----------------- --------------------- ------------------------------- ----------------- --------------------- Class II-B-4 BBB- A3 ------------------------------- ----------------- --------------------- The Class I-XP, Class II-XP, Class I-R, Class II-R, Class I-B-IO and Class II-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 Wells Fargo Bank, National Association, a banking corporation, having a place of busines▇ ▇▇ 9062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no personal or other repr▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇) ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇ ▇▇rvicing Agreement, dated as of September 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 Bear Stearns Mortgage Funding Trust 2006-AR2, Mortgage Pass-Through Certificates, Series 2006-▇▇▇, ▇▇reby 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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortage Funding Trust 2006-Ar2)
et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Applicable Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home High Cost Ownership Security Covered Home Loan LoansAct of 2002, N.C. Gen. N.J. Rev. Stat. ss.ss. 24-1.1E 46:10B- 22 et s▇▇.seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-38)
et seq. Effective March 22May 24, 2001 2002 ------------------------------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------------------------------------------------------------------------------ Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann. 183C, ss.ss. 31-17-1 et seq. ------------------------------------------------------------------------------------------------------------ O-4 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective November 7Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ Effective June 5, 2004 2002 Standard & Poor's Covered Loan Categorization --------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, Nev. ▇▇v. Stat2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------------------------------------------------------------------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------ ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 ------------------------------------------------------------------------------------------------------------ O-5 Standard & Poor's Home Loan Categorization ------------------------------------------ ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------ Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------ EXHIBIT P [FORM OF] SUPPLEMENTAL TRANSFER AGREEMENT THIS SUPPLEMENTAL TRANSFER AGREEMENT, dated as of ____________, 200_ (this "Supplemental Transfer Agreement"), among CWALT, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC. ("CHL"), a New York corporation, as a seller (a "Seller"), PARK GRANADA LLC ("Park Granada"), a Delaware limited liability company, as a seller (a "Seller"), PARK MONACO INC. ("Park Monaco"), a Delaware limited liability corporation, as a seller (a "Seller"), PARK SIENNA LLC ("Park Sienna"), a Delaware limited liability company, as a seller (a "Seller" and together with CHL, Park Granada and Park Monaco, the "Sellers") under the Pooling and Servicing Agreement referred to below, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee");
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-45)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts 2002 Q-3 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Home Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇▇▇▇▇ Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch2003) Ann. 183C, ss.ss. 1 7-6A-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. -- --- Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, -- --- 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ 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, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇▇ ▇▇an 2003) et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. [RESERVED] [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- 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. 1122(d)(1)(ii) --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- 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. 1122(d)(1)(iv) --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- 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 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by authorized personnel. W-2
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2007-1t1)
et seq. Effective March 22Effect▇▇▇ ▇or loans closed on or after January 28, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act 2003 ---------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 494.0078 et seq. Effective October 2, 2002 ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 20022002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan N.J. Rev. StatMar. 6, 2003) Ann. ss.ss. 46:10B-22 7-6A-1 et seq. Effec▇▇▇e ▇▇▇▇▇er 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan (Mar. 7, 2003 - current) Ann. Effective for loans ss.ss. 7-6A-1 et seq. Effec▇▇▇e ▇▇▇ ▇oans closed on or after November 27March 7, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico ---------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Protection ActAct of 1994, N.M. Rev. Stat15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. High Cost H▇226.32 and 226.34 Effecti▇▇ ▇oan 58-21A-1 ▇tober 1, 1995, amendments October 1, 2002 ---------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Act, Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. 137/5 et seq. Effective as of January ▇▇▇▇▇ry 1, 2004; Revised as of February 262004 (prior to this date, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l regulations under Residential Mortgage License Act effective from May 14, 2001) ---------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan Effective for applications made on or after April Loans ss.ss. ▇4-9-1-1 et seq. Effectiv▇ ▇▇▇uary 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction 2005; amended by 2005 HB 1179, effective July 1, 2005 ---------------------------------------------------------------------------------------------------------------------- Exhibit B-2 ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Category under Lending Applicable Lending Anti- State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions ---------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value Consumer ss.ss. 16a-1-101 et seq. Loan (id. ss. ▇▇▇-▇-207) and; Sections 16a-1-301 and Limitations on 16a-3-207 became --------------------------------- effective April 14, 1999; Section 16a-3-308a High APR Consumer Loan (id. ss. became effective July 1, 1999 16a-3-308a) ---------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home High Cost Home Loan LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 24-1.1E 360.100 et sseq. Effective ▇▇▇▇ 24, 2003 ---------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee Mortgage A, ss.ss. 8-101 et seq.
Appears in 1 contract
Sources: Assignment and Assumption Agreement (Residential Asset Securities Corp)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chLending Category under Applicable Law/Effective Date Anti-Predatory Lending Law ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat▇▇ ▇▇▇ered Loan 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ----------------------------------------------------------------------------------------------------------------------- O-4 ----------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇e Loan ▇▇▇3) et seq. Effective October 1, 2002 - March 6, 2003 ----------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------------------- EXHIBIT P [FORM OF] SUPPLEMENTAL TRANSFER AGREEMENT THIS SUPPLEMENTAL TRANSFER AGREEMENT, dated as of ____________, 200_ (this "Supplemental Transfer Agreement"), among CWALT, INC., a Delaware corporation, as depositor (the "Depositor"), COUNTRYWIDE HOME LOANS, INC. ("CHL"), a New York corporation, as a seller (a "Seller"), PARK GRANADA LLC ("Park Granada"), a Delaware limited liability company, as a seller (a "Seller"), PARK MONACO INC. ("Park Monaco"), a Delaware limited liability corporation, as a seller (a "Seller"), PARK SIENNA LLC ("Park Sienna"), a Delaware limited liability company, as a seller (a "Seller" and together with CHL, Park Granada and Park Monaco, the "Sellers") under the Pooling and Servicing Agreement referred to below, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the "Trustee");
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-59)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's High Cost Home Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws ch. 183CBroker and Servicer Act, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. StatW. Va. Code Ann. ss.ss. Home Act Loan 598D.010 31-17-1 et seq▇▇q. Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Covered Loa▇ ▇▇▇▇) 7-6A-▇ et ▇▇▇. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effec▇▇▇▇ November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Home Loan 2▇▇▇) 7-6A-1 ▇▇ se▇. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effec▇▇▇▇ for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seqse▇. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effecti▇▇ ▇▇ly 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- E▇▇▇ct▇▇▇ ▇or loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- 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 Morgan Stanley Mortgage Capital Inc. and the Custodian. T▇▇▇ ▇▇s▇ ▇▇▇▇ 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.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2007-2ax)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss▇▇.▇▇. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill ▇▇▇▇ No. 284, Nev. Rev. Home Loan Stat. ▇▇v. Stat.▇▇. ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High High Cost Home Loan 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) --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable Lending State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc4)
et seq. Effective March 22for loans taken on or after January 1, 2001 2004 -------------------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chAct, W. Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 -------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- -------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW -------------------------------------------------------------------------------------------- Georgia Georgia Fair Lending Act, Nev. Ga. Code Covered Loan (Oct. 1, 2002 - ▇▇v. Stat▇. ss.ss▇▇.▇▇. Home Loan 598D.010 et seq7-6A-1 ET SEQ. Mar. 6, 2003) Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et ET SEQ. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ E-7-4 Effective for loans originated on or after January 1, 2005. -------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et s▇▇ET SEQ.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Ac6)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effectiv▇ ▇or ▇▇▇▇s taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. Act Loan 31-17-1 et se▇. Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 6, 2003) ss.ss. ▇-▇A-1 et seq. Effective November 7Octob▇▇ ▇, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 12002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10I-B-22 et seq. Effective ▇▇▇▇▇ber 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Home Loan Mar. 6, 2003) et ▇▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. Home Loan ss.ss. 24-9-▇-1 et seq. Effective for loans ▇▇▇▇▇ originated on or after January 1, 2005. ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective f▇▇ ▇▇ans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seqe▇ ▇▇▇. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effective ▇▇.r ▇▇▇▇▇ taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Fitch S&P ------------------------------- ------------- ----------------
Appears in 1 contract
et seq. Effective March 22May 24, 2001 2002 ----------------------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ----------------------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Mass. Gen. Laws chAct Servicer Act, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Statan Effective June 5, 2002 ----------------------------------------------------------------------------------------------------------------------------------- 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, Georgia Fair Lending Act, ▇▇. ss.ss▇▇▇▇ ▇▇▇. Home Loan 598D.010 et ▇▇.▇▇. ▇-▇▇-▇ ▇▇ ▇overed ▇▇▇n ▇▇▇▇) seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost N.J. Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.-----------------------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oa16)
et seq. Effective March 22May 24, 2001 and 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home effective January 1, 2004 STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ----------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. Act Lo▇▇ 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. 6, Georgia Fair ▇▇v. Stat▇▇▇▇▇ ▇▇▇, ▇▇. ss.ss▇▇▇▇ ▇▇▇. Home Loan 598D.010 ▇▇.▇▇. Cover▇▇ Loa▇ ▇▇▇3) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans--------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, N.C. Gen. Stat2002 - Mar. 6, Georgia Fair ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ss▇▇▇▇ ▇▇▇. 24-1.1E et s▇▇.▇▇. Home ▇▇▇n 2▇▇▇) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Asset Backed Securities I Trust 2004-Fr2)
et seq. O-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- State/Jurisdiction Law/Effective March 22Date Predatory Lending Law ---------------------- -------------------------------------------------------------- ------------------------------- ss.ss. 1349.25 et seq. -- --- Effective May 24, 2001 2002 ----------------------- ----------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Title Subsection 10 Mortgage 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------- -------------------------------------------------------------- ------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act Loans Act, S.C. High Cost Home Loan Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ----------------------- ----------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and Servicer West Virginia Mortgage Loan Mass. Gen. Laws chAct, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Act Loan -- --- Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ---------------------- -------------------------------------------------------------- ------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- Name of Anti-Predatory Lending Category under Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ---------------------- -------------------------------------------------------------- ------------------------------- Georgia (Oct. 1, Nev. 2002 Georgia Fair Lending Act, Ga. Code ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ - ▇▇▇. ▇, ▇▇▇▇) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October Octob▇▇ 1, ▇▇▇▇ - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------- -------------------------------------------------------------- ------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost N.J. Rev. Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26- July 5, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.---------------------- -------------------------------------------------------------- -------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2007-Hy2)
et seq. Effective March 22May 24, 2001 2002 ---------------------------- ------------------------------------------- ------------------------ Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ------------------------------------------- ------------------------ West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Va. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chCode Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ---------------------------- ------------------------------------------- ------------------------ Standard & Poor's Covered Loan Categorization _____________________________________________ ---------------------------- ------------------------------------------- ------------------------- Category under Applicable Name of Anti-Predatory Lending Anti-Predatory Lending State/Jurisdiction Law/Effective Date Law ---------------------------- ------------------------------------------- ------------------------- Georgia (Oct. 1, Nev. ▇▇v. Stat2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ------------------------------------------- ------------------------- New Jersey New Jersey Home Ownership Security Act of Covered Home Loan 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ------------------------------------------- ------------------------- Standard & Poor's Home Loan Categorization __________________________________________ ---------------------------- -------------------------------------------- ------------------------ Category under Applicable Name of Anti-Predatory Lending Law/Effective Anti-Predatory Lending State/Jurisdiction Law ---------------------------- -------------------------------------------- ------------------------ Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Home Loan Mar. 6, 2003) ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- -------------------------------------------- ------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. ▇▇▇:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- -------------------------------------------- ------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. Home Loan ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------- -------------------------------------------- ------------------------ North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective for loans taken on or after January 1, 2004 ---------------------------- -------------------------------------------- ------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 EXHIBIT S-2 EXHIBIT T [Reserved] T-1 EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria":
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-24cb)
et seq. Effective March 22May 24, 2001 2002 --------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------------------------------------------------------------------------------------- Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann. 183C, ss.ss. 31-17-1 et seq. --------------------------------------------------------------------------------------------------------------------- O-4 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective November 7Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Effective June 5, 2004 2002 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284--------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. ▇▇v. Stat2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- 22 et ▇▇▇seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss▇▇.▇▇. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- Nevada Assembly Bill ▇▇▇▇ No. 284, Nev. Rev. Stat. ▇▇v. Stat. ss.ss.▇▇. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss▇▇.▇▇. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ---------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ----------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Mortgage Loan Purchase Agreement (Carrington Mortgage Loan Trust, Series 2006-Nc1)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ Massachusetts Predatory Home Loan Practices Act High Cost Home Practices Act Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ Nevada Assembly Bill No. 284, Nev. ▇▇v. Rev. Stat. ▇ome Loan ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B- ------------------------------------------------------------------------------------------------------------ O-3 Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ 22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------ New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-45)
et seq. Effectiv▇ ▇▇▇ 24, 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective March 22June 5, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Co▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇) Ann. 183C, ss.ss. 1 7-6A-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Eff▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October ▇iv▇ ▇▇▇ober 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Ho▇▇ ▇▇▇▇ ▇▇▇▇) ▇t ▇▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effec▇▇▇▇ for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost HHome Loan 58-2▇▇-▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. E▇▇.▇ct▇▇▇ ▇or loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [Reserved] EXHIBIT S-2 [Reserved] EXHIBIT T [Reserved]
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-25cb)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans ▇▇▇en on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoStandard & Poor's Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. 284, Nev. §§ Covered Loan 2003) ▇-▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq-▇ ▇▇ ▇eq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. Code Ann. §§ Home Loan 2003) ▇-▇▇-▇ ▇▇ ▇▇▇. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code Ann. §§ 37-23-10 et seq. Effective for loans ▇▇.▇en on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- -------------------- --------------------- Offered Certificates S&P Moody's ------------------------------- -------------------- --------------------- Class A-1 AAA Aaa ------------------------------- -------------------- --------------------- Class A-2 AAA Aaa ------------------------------- -------------------- --------------------- Class B-1 AA Aaa ------------------------------- -------------------- --------------------- Class B-2 A Aa3 ------------------------------- -------------------- --------------------- Class B-3 BBB A3 ------------------------------- -------------------- --------------------- Class B-4 BBB- Baa1 ------------------------------- -------------------- --------------------- The Class XP, Class R, Class R-X and Class 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 Wells Fargo Bank, National Association, a banking corporation, havi▇▇ ▇ place of business at 9062 Old Annapolis Road, Columbia, Maryland, as Trustee (and in no p▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇) ▇▇▇er the Pooling and Servicing Agreement, dated as of November 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 Bear Stearns Mortgage Funding Trust 2006-AR4, Mortgage Pass-Through Certif▇▇▇▇▇▇, Series 2006-AR4, 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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2006-Ar4)
et seq. Effective March 22May 24, 2001 2002 --------------------------------------- ---------------------------------------------------------- --------------------------------- Oklahoma Consumer Credit Code (codified in various sections of Subsection 10 Mortgage Title 14A) Effective July 1, 2000; amended effective January 1, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Consumer Home Loan Practices Act Loans Act, High Cost Home Loan S.C. Code Ann. ss.ss. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- West Virginia West Virginia Residential Mortgage Lender, Broker and West Virginia Mortgage Loan Mass. Gen. Laws chAct L Servicer Act, W. Va. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 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, Nev. ▇▇v. Stat2002 - Mar. 6, 2003) Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Covere▇ ▇oa▇ Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost N.J. Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 --------------------------------------- ---------------------------------------------------------- --------------------------------- 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 Ann. ss.ss. 7-6A-1 et seq. Home L▇▇▇▇ Effective October 1, 2002 - March 6, 2003 --------------------------------------- ---------------------------------------------------------- --------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, N.J. Home Loan Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------- ---------------------------------------------------------- --------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇seq.
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RASC Series 2005-Ks2 Trust)
et seq. Effective March 22for loans closed on or after January 28, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act 2003 ------------------------------------------------------------------------------------------------------------ O-1 Standard & Poor's High Cost Home Mortgage Loan Mass. Gen. Laws chCategorization ----------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------------------------------------------------------------------ Florida Fair Lending Act, Fla. Stat. 183C, Ann. ss.ss. 1 High Cost Hom▇ ▇oa▇ 494.0078 et seq. Effective November 7October 2, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ------------------------------------------------------------------------------------------------------------ Georgia (Oct. 1, Nev. ▇▇v. Stat2002 - Georgia Fair Lending Act, Ga. Code High Cost Home Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002------------------------------------------------------------------------------------------------------------ Georgia as amended Georgia Fair Lending Act, Ga. Code High Cost Home Loan N.J. Rev. Stat(Mar. 7, 2003 - current) Ann. ss.ss. 46:10B-22 7-6A-1 et ▇▇▇seq. Effective for loans closed on or after November 27March 7, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico ------------------------------------------------------------------------------------------------------------ HOEPA Section 32 Home Ownership and Equity Protection High Cost Loan Act of 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 ------------------------------------------------------------------------------------------------------------ Illinois High Risk Home Loan Protection Act, N.M. Rev. Ill. Comp. High Risk Home Loan Stat. tit. 815, ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 137/5 et seq. Effective as of January 1, 2004; Revised as of February 262004 (prior to this date, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l regulations under Residential Mortgage License Act effective from May 14, 2001) ------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Ind. High Cost Home Loan Code Ann. ss.ss. 24-9-1-1 et seq. Effective for applications made loans originated on or after April January 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD 2005. ------------------------------------------------------------------------------------------------------------ Standard & POOR'S HIGH COST LOAN CATEGORIZATION Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------------------ Category under -------------- State/Jurisdiction Name of Anti-Predatory Category under Lending Applicable Lending Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Anti-Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions ------------------------------------------------------------------------------------------------------------ Kansas Consumer Credit Code, Kan. Stat. Ann. High Loan to Value ss.ss. 16a-1-101 et seq. Consumer Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and Limitations on 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 ------------------------------- High APR Consumer Loan (id. ss. 16a-3-308a) ------------------------------------------------------------------------------------------------------------ Kentucky 2003 KY H.B. 287 - High Cost Home High Cost Home Loan LoansLoan Act, N.C. Gen. Ky. Rev. Stat. ss.ss. 360.100 et seq. Effective June 24, 2003 ------------------------------------------------------------------------------------------------------------ Maine Truth in Lending, Me. Rev. Stat. tit. 9- High Rate High Fee A, ss.ss. 8-1.1E 101 et s▇▇.seq. Mortgage Effective September 29, 1995 and as amended from time to time ------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-45)
et seq. Effective March 22May 24, 2001 2002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------- ---------------------------------------- -------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, Nev. 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) ▇▇v. Stat▇. ss.ss▇▇.▇▇. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) ▇▇▇. ▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Consumer Home Loan Cost Home Loan Loans, N.C. Gen. Stat. ▇▇.▇▇. 24-1.1E et seq. Effective for applications made loans taken on or after April January 1, 2003 --------------------- ------------------------------------------------- -------------------------------- 2004 ---------------------------- ---------------------------------------- -------------------------- EXHIBIT A REVISED July 11, ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇ - STANDARD & POOR'S PREDATORY LENDING CATEGORIES Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (a) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Loans, N.C. Gen. StatArk. Code ▇▇▇. ss.ss. 24-1.1E et s▇▇.▇▇. ▇▇-▇▇-▇▇▇ et seq.
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RAMP Series 2006-Efc1 Trust)
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, ss.ss. 1 et seq. Effective November 72002 - Mar. 6, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Georgia Fair Lending Act, Nev. Ga. ▇▇v. Stat▇▇ ▇▇▇▇red Loan 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇▇ Loan 2▇▇▇) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT S-1 [Reserved] EXHIBIT S-2 [Reserved] EXHIBIT T [Reserved] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------ General Servicing Considerations --------------- ---------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the 1122(d)(1)(i) transaction agreements. --------------- ---------------- If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance 1122(d)(1)(ii) with such servicing activities. --------------- ---------------- Any requirements in the transaction agreements to maintain a back-up servicer 1122(d)(1)(iii) for the mortgage loans are maintained. --------------- ---------------- 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 1122(d)(1)(iv) transaction agreements. --------------- ---------------- Cash Collection and Administration --------------- ---------------- 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 1122(d)(2)(i) transaction agreements. --------------- ---------------- Disbursements made via wire transfer on behalf of an obligor or to an investor are 1122(d)(2)(ii) made only by --------------- ----------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-29t1)
et seq. Effective March 22, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Practices Act Loan Mass. Gen. Laws ch. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Nevada Assembly Bill No. 284, Nev. Rev. Stat. H▇▇v. Stat. ▇ Loan ss.ss. Home Loan 598D.010 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Cost Home Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.-1.1E et seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RAMP Series 2004-Rz4 Trust)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ssAct Loan ▇▇.▇▇. 31-17-1 et seq. Effective November 7, 2004 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Effective June 5, Nev. 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home ▇▇.▇▇. Covered Loan 598D.010 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under Applicable State/Jurisdiction Law/Effective Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et s▇▇.seq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- EXHIBIT R-1 [FORM OF] CLASS A-1 AND A-5 CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT R-2 [FORM OF] CLASS A-4 CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT R-3 [FORM OF] CLASS A-9 CORRIDOR CONTRACT DATE:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-42cb)
et seq. Effective March 22June 2, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch2003 --------------------------------------------------------------------------------------------------------------------- Colorado Consumer Equity Protection, Colo. Stat. 183C, Ann. ss.ss. 1 Covered Loan 5-3.5-101 et seq. Effective November for covered loans offered or entered into on or after January 1, 2003. Other provisions of the Act took effect on June 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 --------------------------------------------------------------------------------------------------------------------- Connecticut Connecticut Abusive Home Loan Lending Practices High Cost Home Loan Act, Nev. ▇▇v. Conn. Gen. Stat. ss.ss. Home Loan 598D.010 36a-746 et seq. Effective October 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act 2001 --------------------------------------------------------------------------------------------------------------------- District of 2002, High Cost Columbia Home Loan N.J. Rev. Stat. Protection Act, D.C. Code ss.ss. 46:10B-22 Covered Loan 26-1151.01 et ▇▇▇seq. Effective for loans closed on or after November 27January 28, 2003 --------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- New Mexico --------------------------------------------------------------------------------------------------------------------- Florida Fair Lending Act, Fla. Stat. Ann. ss.ss. 494.0078 High Cos▇ ▇om▇ ▇▇▇n et seq. Effective October 2, 2002 --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇st Home ▇▇an ▇▇▇▇) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- Georgia as amended (Mar. 7, 2003 Georgia Fair Lending Act, ▇▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇st Home ▇▇an - ▇▇rrent) 7-6A-1 et seq. Effective for loans closed on or after March 7, 2003 --------------------------------------------------------------------------------------------------------------------- HOEPA Section 32 Home Ownership and Equity Protection Act of High Cost Loan 1994, 15 U.S.C. ss. 1639, 12 C.F.R. ss.ss. 226.32 and 226.34 Effective October 1, 1995, amendments October 1, 2002 --------------------------------------------------------------------------------------------------------------------- Illinois High Risk Home Loan Protection Act, N.M. Ill. Comp. Stat. tit. High Risk Home Loan 815, ss.ss. 137/5 et seq. Effective January 1, 2004 (prior to this date, regulations under Residential Mortgage License Act effective from May 14, 2001) --------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. High Cost Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. --------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- --------------------------------------------------------------------------------------------------------------------- Name of Anti-Predatory Lending Category under ------------------------------ -------------- State/Jurisdiction Law/Effective Date Applicable Anti- ------------------ ------------------ ---------------- Predatory Lending Law --------------------- --------------------------------------------------------------------------------------------------------------------- Kansas Consumer Credit Code, Kan. Stat. Ann. ss.ss. High Loan to ▇▇lu▇ ▇▇▇sumer 16a-1-101 et seq. Loan (id. ss. 16a-3-207) and; Sections 16a-1-301 and 16a-3-207 became effective April 14, 1999; Section 16a-3-308a became effective July 1, 1999 High APR Consumer Loan (id. ss. 16a-3-308a) --------------------------------------------------------------------------------------------------------------------- Kentucky 2003 KY H.B. 287 - High Cost Home Loan Act, Ky. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 360.100 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1June 24, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans--------------------------------------------------------------------------------------------------------------------- Maine Truth in Lending, N.C. Gen. Me. Rev. Stat. tit. 9-A, ss.ss. 24-1.1E et sHigh Rate High Fee Mor▇▇.▇▇▇ 8-101 et seq. Effective September 29, 1995 and as amended from time to time ---------------------------------------------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2005-46cb)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home §§ Covered Loan 598D.010 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code ▇▇.▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ------------------------------- ----------------- --------------------- Offered Certificates S&P ▇▇▇▇▇’▇ ------------------------------- ----------------- --------------------- 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 II-A-2 AAA Aaa ------------------------------- ----------------- --------------------- Class II-A-3 AAA Aaa ------------------------------- ----------------- --------------------- Class I-B-1 AA+ Aaa ------------------------------- ----------------- --------------------- Class I-B-2 AA Aa1 ------------------------------- ----------------- --------------------- Class I-B-3 AA- Aa1 ------------------------------- ----------------- --------------------- Class I-B-4 A+ Aa2 ------------------------------- ----------------- --------------------- Class I-B-5 A Aa3 ------------------------------- ----------------- --------------------- Class I-B-6 A- A1 ------------------------------- ----------------- --------------------- Class I-B-7 BBB+ A3 ------------------------------- ----------------- --------------------- Class I-B-8 BBB Baa2 ------------------------------- ----------------- --------------------- Class I-B-9 BBB- Baa3 ------------------------------- ----------------- --------------------- Class II-B-1 AA Aaa ------------------------------- ----------------- --------------------- Class II-B-2 A Aa3 ------------------------------- ----------------- --------------------- Class II-B-3 BBB A3 ------------------------------- ----------------- --------------------- Class II-B-4 BBB- Baa1 ------------------------------- ----------------- --------------------- The Class I-XP-1, Class I-XP-2, Class II-XP, Class R, Class R-X, Class I-B-IO, Class II-B-5 and Class II-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 ▇▇▇▇▇ Fargo Bank, National Association, a banking corporation, having a place of business at ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of December 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 Bear ▇▇▇▇▇▇▇ Mortgage Funding Trust 2006-AR5, Mortgage Pass-Through Certificates, Series 2006-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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2006-Ar5)
et seq. Effective March 22May 24, 2001 2002 ------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage West Virginia Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Servicer Act, Mortgage Loan Mass. Gen. Laws chAct W. Va. Code Ann. 183C, ss.ss. 31-17-1 Loan et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ------------------------------------------------------------------------------ Standard & Poor's Covered Loan Categorization ------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti- Predatory Lending Law ------------------------------------------------------------------------------ Georgia (Oct. 1, Nev. 2002 Georgia Fair Lending Act, Ga. ▇▇v. Stat▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇ - ▇▇▇. ▇, ▇▇▇3) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Covered Home Loan Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:1▇▇ ▇▇ et seq. Effective November 27, 2003 - July 5, 2004 ------------------------------------------------------------------------------ Standard & Poor's Home Loan Categorization ------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Law/Effective Date Applicable Anti- Predatory Lending Law ------------------------------------------------------------------------------ Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ - ▇▇▇. ▇, ▇▇▇▇) Ann. ss.ss. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:1▇▇ ▇▇ et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Home Loan Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------ 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. ▇▇.▇▇▇▇▇ ▇-▇ [▇▇▇▇ ▇▇] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ________________________, as Trustee _______________ _________________________ Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-5t2)
et seq. Effective March 22May ▇▇, 2001 ▇002 ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws chVa. Code Ann. 183C, ss.ss. 31-17-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Statne ▇, ▇002 ---------------------------- ---------------------------------------- -------------------------- Standard & Poor's High Cost Loan Categorization ----------------------------------------------- ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Covered Loan Mar. 6, 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1▇▇▇ob▇▇ ▇, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Covered Home Loan of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------- ---------------------------------------- -------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under ------------------ ------------------------------ -------------- Law/Effective Date Applicable Anti- ------------------ ---------------- Predatory Lending Law --------------------- ---------------------------- ---------------------------------------- -------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Home Loan Mar. 6, 2003) Ann. ss.ss. 7-6A-1 et seq. Effective ▇▇▇ob▇▇ ▇, 2002 - March 6, 2003 ---------------------------- ---------------------------------------- -------------------------- New Jersey New Jersey Home Ownership Security Act Home Loan of 2002, N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------- ---------------------------------------- -------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.---------------------------- ---------------------------------------- --------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Morgan Stanley Mortgage Loan Trust 2006-1ar)
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, ss.ss. 1 et seq. Effective November 72002 - Mar. 6, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Georgia Fair Lending Act, Nev. Ga. ▇▇v. Stat▇▇ ▇▇▇▇red Loan 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇▇ Loan 2▇▇▇) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [RESERVED] EXHIBIT S-1 [RESERVED] EXHIBIT S-2 [RESERVED] EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWMBS, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (CHL Mortgage Pass-Through Trust 2006-J4)
et seq. ▇ffective May 24, 2002 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 Mortgage various sections of Title 14A) Effective March 22July 1, 2001 and 2000; amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory effective January 1, 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Rhode Island Rhode Island Home Loan Practices Act Protection Act, High Cost Home Mortgage Loan Mass. R.I. Gen. Laws ch. 183C, ss.ss. Lawsss.ss.34-25.2-1 et seq. Effective November 7December 31, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No2006. 284, Nev. ▇▇v. Stat. ss.ss. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- South Carolina South Carolina High Cost and Consumer High Cost Home Loan 598D.010 Home Loans Act, S.C. Code Ann.ss.ss. 37-23-10 et seq. Effective October ▇▇▇▇ctive for loans taken on or after January 1, 2003 --------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey 2004 ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- Tennessee Tennessee Home Ownership Security Act of 2002Loan Protection Act, High Cost Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58Tenn. Code Ann.ss.ss.45-21A-1 20-101 et seq. Effective as of January 1, 2004; Revised as of February 26200▇. ---------------------------- ---------------------------------------- -------------------------- ---------------------------- ---------------------------------------- -------------------------- West Virginia West Virginia Residential Mortgage West Virginia Mortgage Lender, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6Broker and Servicer Act, W. Loan Act Loan Va. Code Ann.ss.ss.31-l High Cost Home Loan 17-1 et seq. Effective for applications made on or after April 1June 5, 2003 --------------------- ------------------------------------------------- -------------------------------- 2002 ---------------------------- ---------------------------------------- -------------------------- ------------------------------------------------------------------------------------------------ STANDARD & POOR'S HIGH COST COVERED LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.CATEGORIZATION
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RALI Series 2007-Qa1 Trust)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss. §§ Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284Standard & Poor’s Covered Loan Categorization ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home §§ Covered Loan 598D.010 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Standard & Poor’s Home Loan Categorization --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. §§ Home Loan 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Consumer Home Loan Loans Act, S.C. Code ▇▇.▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF OFFERED CERTIFICATES Offered Certificates S&P ▇▇▇▇▇’▇ DBRS Class A-1 AAA Aaa AAA Class A-2 AAA Aaa AAA Class A-3 AAA Aaa AAA Class B-1 AA Aa1 AA Class B-2 A Aa3 A Class B-3 BBB A3 BBB Class ▇-▇ ▇▇▇- ▇▇▇▇ ▇▇▇ The Class B-IO, Class XP, Class R and Class R-X 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 ▇▇▇▇▇ Fargo Bank, National Association, a banking corporation, having a place of business at ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, as Trustee (and in no personal or other representative capacity) under the Pooling and Servicing Agreement, dated as of February 1, 2007, 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 Bear ▇▇▇▇▇▇▇ Mortgage Funding Trust 2007-AR2, Mortgage Pass-Through Certificates, Series 2007-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:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns Mortgage Funding Trust 2007-Ar2)
et seq. Effective March 22for loans taken on or after January 1, 2001 2004 ------------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Broker and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Servicer Act, W. Va. Code ▇▇▇. ▇▇.▇▇. Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch. 183C, ss.ss. 31-17-1 et seqET SEQ. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION --------------------------------------------- --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 - Mar. ▇, ▇▇v. Stat▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. ss.ssCode ▇▇▇. Home ▇▇.▇▇. Covered Loan 598D.010 et seq2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et ET SEQ. Effective November 27, 2003 - July 5, 2004 --------------------------------------------------------------------------------------------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ------------------------------------------ --------------------------------------------------------------------------------------------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING LAW/EFFECTIVE CATEGORY UNDER APPLICABLE DATE ANTI-PREDATORY LENDING LAW --------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. ▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇, ▇▇. Code ▇▇▇. ▇▇.▇▇. Home Loan 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 ET SEQ. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. Home Loan 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- --------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et s▇▇.ET SEQ. Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ----------------------------------------------- Public Notes ------------
Appears in 1 contract
Sources: Grantor Trust Agreement (Bear Stearns Arm Trust, Mortgage-Backed Notes, Series 2005-2)
et seq. Effective March 22May 24, 2001 2002 -------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in Subsection 10 various sections of Title 14A) Mortgage Effective July 1, 2000; amended effective January 1, 2004 -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 -------------------------------------------------------------------------------- West Virginia West Virginia Residential West Virginia Mortgage Lender, Broker and Mortgage Loan Mass. Gen. Laws chAct Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss. §§ Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 -------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Law/Effective Date Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, Nev. 2002 Georgia Fair Lending Act, Ga. Covered Loan - Mar. 6, 2003) Code ▇▇v. Stat▇. ss.ss. Home Loan 598D.010 §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss. §§ 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 -------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization -------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Law/Effective Date Lending Law -------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 Georgia Fair Lending Act, Ga. Home Loan - Mar. 6, 2003) Code ▇▇▇. §§ 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 -------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Home Loan Security Act of 2002, N.J. Rev. Stat. §§ 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Home Loan Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan §§ 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- -------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. §§ 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) -------------------------------------------------------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code ▇▇.▇. §§ 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 --------------------------------------------------------------------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns ALT-A Trust, Series 2005-9)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws ch. 183CBroker and Servicer Act, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. StatW. Va. Code Act Loan Ann. ss.ss. Home Loan 598D.010 et seq31-17-▇ ▇T ▇▇▇. Effective June 5, 2002 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Cov▇▇▇d ▇▇▇▇ Mar. 6, 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et E▇ ▇▇▇. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- STATE/JURISDICTION NAME OF ANTI-PREDATORY LENDING CATEGORY UNDER APPLICABLE LAW/EFFECTIVE DATE ANTI-PREDATORY LENDING LAW ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. Hom▇ ▇oa▇ ▇▇▇. 6, 2003) 7-6A-1 ET SEQ. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 E▇ ▇▇▇. Effective for loans closed on or after November 27, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seqET SEQ. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sET ▇▇▇. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ---------------------------------- ------------------------------------------------- -------------------------------- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES PUBLIC CERTIFICATES Class S&P Moody's --------------- ------- ------- Class I-A-1 AAA Aaa Class II-A-1 AAA Aaa Class II-A-2 AAA Aaa Class II-A-3 AAA Aaa Class II-X-1 AAA Aaa Class III-A-1 AAA Aaa Class IV-A-1 AAA Aaa Class R-I AAA -- Class R-II AAA -- Class R-III AAA -- Class B-1 AA+ Aa1 Class B-2 AA+ Aa2 Class B-3 AA Aa3 Class B-4 AA A1 Class B-5 AA- A2 Class B-6 A+ A3 Class B-7 A Baa1 Class B-8 A- Baa2 Class B-9 BBB -- None of the above ratings has been lowered since the respective dates of such letters.
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns ARM Trust 2005-4)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- South Carolina South Carolina High Cost and Consumer Home Loan Practices Act High Cost Home Loan Loans Act, S.C. Code Ann. ss.ss. 37-23-10 et seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. Act Loan 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- 2002 ---------------------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill NoSTANDARD & POOR'S COVERED LOAN CATEGORIZATION ---------------------------------- ------------------------------------------------- -------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. 284, Nev. ▇▇v. Stat▇▇ ▇▇▇. ss.ss▇▇.▇▇. Home ▇▇▇▇▇▇▇ Loan 598D.010 2▇▇▇) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HOME LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------- State/Jurisdiction Name of Anti-Predatory Lending Law/Effective Category under Applicable Date Anti-Predatory Lending Law ---------------------------------- ------------------------------------------------- -------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇▇▇▇ ▇▇an 2003) 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------- ------------------------------------------------- -------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. Home Loan ss.ss. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ---------------------------------- ------------------------------------------------- -------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇▇▇ ▇oan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.2003
Appears in 1 contract
Sources: Assignment and Assumption Agreement (RASC Series 2004-Ks10 Trust)
et seq. Effective March 22May 24, 2001 2002 ------------------------------------------------------------------------------------------------------------------ Oklahoma Consumer Credit Code (codified Subsection 10 Mortgage in various sections of Title 14A) Effective July 1, 2000; amended effective January 1, 2004 ------------------------------------------------------------------------------------------------------------------ South Carolina South Carolina High Cost and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. ▇▇.▇▇. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------------ West Virginia West Virginia Residential West Virginia Mortgage Mortgage Lender, Broker and Loan Mass. Gen. Laws chAct Loan Servicer Act, W. Va. Code ▇▇▇. 183C, ss.ss▇▇.▇▇. 31-17-1 et seq. Effective November 7June 5, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 2842002 ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S COVERED LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti- Predatory Lending Law ------------------------------------------------------------------------------------------------------------------ Georgia (Oct 1, Nev. 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Covered Loan Code ▇▇v. Stat▇. ss.ss▇▇.▇▇. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Covered Home Loan Security Act of 2002, High Cost Home Loan N.J. Rev. Stat. ss.ss▇▇.▇▇. 46:10B-22 et seq. Effective November 27, 2003 - July 5, 2004 ------------------------------------------------------------------------------------------------------------------ STANDARD & POOR'S HOME LOAN CATEGORIZATION State/Jurisdiction Name of Anti-Predatory Category under Lending Law/Effective Date Applicable Anti- Predatory Lending Law ------------------------------------------------------------------------------------------------------------------ Georgia (Oct 1, 2002 - Mar 6, 2003) Georgia Fair Lending Act, Ga. Home Loan Code ▇▇▇. ▇▇.▇▇. 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 ------------------------------------------------------------------------------------------------------------------ Indiana Indiana Home Loan Practices Act, Home Loan Ind. Code ▇▇▇. ▇▇.▇▇. 24-9-1-1 et seq. Effective for loans originated on or after January 1, 2005. ------------------------------------------------------------------------------------------------------------------ New Jersey New Jersey Home Ownership Home Loan Security Act of 2002, N.J. Rev. Stat. ▇▇.▇▇. 46:10B-22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------------ New Mexico Home Loan Protection Act, N.M. Home Loan Rev. Stat. ss.ss. High Cost H▇▇▇ .▇oan ▇. 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ------------------------------------------------------------------------------------------------------------------ North Carolina Restrictions and Limitations on Consumer Home Loan High Cost Home High Cost Home Loan Loans, N.C. Gen. Stat. ss.ss▇▇.▇▇. 24-1.1E et sseq. Effective July 1, 2000; amended October 1, 2003 (adding open-end lines of credit) ------------------------------------------------------------------------------------------------------------------ South Carolina South Carolina High Cost and Consumer Home Loan Consumer Home Loans Act, S.C. Code ▇▇▇. ▇▇.▇▇. 37-23-10 et seq. Effective for loans taken on or after January 1, 2004 ------------------------------------------------------------------------------------------------------------------ SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES ----------------------------------------------- Public Certificates -------------------
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Bear Stearns ARM Trust 2004-10)
et seq. Effective March 22May 24, 2001 and amended from time to time 2002 ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. 183C, ss.ss. 1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat▇▇ ▇▇▇ered Loan 2003) Ann. ss.ss. Home Loan 598D.010 7-6A-1 et seq. Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ------------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Category under -------------- State/Jurisdiction Name of Anti-Predatory Lending Applicable Anti- ------------------ ------------------------------ ---------------- Law/Effective Date Predatory Lending Law ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, G▇. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇e Loan ▇▇▇3) et seq. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effective for loans taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- EXHIBIT R [FORM OF] SWAP 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. ▇▇.▇▇▇▇▇ ▇-▇ [▇▇▇▇ ▇▇] ADMINISTRATION AGREEMENT Delivered to the Trustee at closing and on file with the Trustee. EXHIBIT T [FORM OF] OFFICER'S CERTIFICATE WITH RESPECT TO PREPAYMENTS MORTGAGE BACKED CERTIFICATES, Series 200_-__ [Date] Via Facsimile ------------------, as Trustee --------------- ----------------------- Dear Sir or Madam: Reference is made to the Pooling and Servicing Agreement, dated as of _________, 200_, (the "Pooling and Servicing Agreement") among [CWALT, Inc.], as Depositor, [Countrywide Home Loans, Inc.], as a Seller, [Park Granada LLC], as a Seller, [Park Monaco Inc.], as a Seller, [Park Sienna LLC], as a Seller, [Countrywide Home Loans Servicing LP], as Master Servicer and __________________, as Trustee. Capitalized terms used herein shall have the meanings ascribed to such terms in the Pooling and Servicing Agreement. __________________ hereby certifies that he/she is a Servicing Officer, holding the office set forth beneath his/her name and hereby further certifies as follows: With respect to the Distribution Date in _________ 200_ and each Mortgage Loan set forth in the attached schedule:
Appears in 1 contract
Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2006-Oc4)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts 2002 Q-3 ---------------------------------- ----------------------------------------------------- ----------------------------- Oklahoma Consumer Credit Code (codified in various sections Subsection 10 Mortgage of Title 14A) Effective June 5, 2002 ---------------------------------- ----------------------------------------------------- ----------------------------- Standard & Poor's Covered Loan Categorization --------------------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ State/Jurisdiction Name of Anti-Predatory Home Lending Law/Effective Date Category under Applicable Anti-Predatory Lending Law ---------------------------------- ----------------------------------------------------- ------------------------------ Georgia (Oct. 1, 2002 - Mar. 6, Georgia Fair Lending Act, Ga. ▇▇▇▇ ▇▇▇▇▇▇▇ Loan Practices Act High Cost Home Mortgage Loan Mass. Gen. Laws ch2003) Ann. 183C, ss.ss. 1 7-6A-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. ▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. -- --- Effective October 1, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10B 22 et seq. Effective November 27, 2003 - July 5, -- --- 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ 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, Georgia Fair Lending Act, Ga. ▇▇▇▇ ▇▇▇. ▇▇.▇▇. ▇-▇▇-▇ ▇▇▇▇ ▇▇▇n 2003) et seq. -- --- Effective October 1, 2002 - March 6, 2003 ---------------------------------- ----------------------------------------------------- ------------------------------ New Jersey New Jersey Home Ownership Security Home Loan Act of 2002, N.J. Rev. Stat. ss.ss. 46:10B 22 et seq. -- --- Effective for loans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ New Mexico Home Loan Protection Act, N.M. Rev. Rev.Stat. ss.ss. High Cost H▇▇▇ ▇oan Home Loan 58-21A-1 et seq. -- --- Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------- ----------------------------------------------------- ------------------------------ North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et s▇▇.seq. -- --- Effective for loans taken on or after January 1, 2004 ---------------------------------- ----------------------------------------------------- ------------------------------ EXHIBIT R [FORM OF] CORRIDOR CONTRACT Delivered to the Trustee at closing and on file with the Trustee. [RESERVED] [RESERVED] EXHIBIT T [RESERVED] EXHIBIT U MONTHLY STATEMENT [On file with Trustee] EXHIBIT V-1 [FORM OF] PERFORMANCE CERTIFICATION (Servicer) [On file with Trustee] EXHIBIT V-2 [FORM OF] PERFORMANCE CERTIFICATION (Trustee) [On file with Trustee] EXHIBIT W [FORM OF] SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE STATEMENT The assessment of compliance to be delivered by [the Master Servicer] [Trustee] [Name of Subservicer] shall address, at a minimum, the criteria identified as below as "Applicable Servicing Criteria": ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- General Servicing Considerations --------------------- ---------------------- Policies and procedures are instituted to monitor any performance or other triggers and events of default in 1122(d)(1)(i) accordance with the transaction agreements. --------------------- ---------------------- 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. 1122(d)(1)(ii) --------------------- ---------------------- Any requirements in the transaction agreements to maintain a 1122(d)(1)(iii) back-up servicer for the mortgage loans are maintained. --------------------- ---------------------- 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. 1122(d)(1)(iv) --------------------- ---------------------- Cash Collection and Administration --------------------- ---------------------- 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 1122(d)(2)(i) days specified in the transaction agreements. --------------------- ---------------------- Disbursements made via wire transfer on behalf of an obligor or to 1122(d)(2)(ii) an investor are made only by authorized personnel. W-2
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Sources: Pooling and Servicing Agreement (Alternative Loan Trust 2007-1t1)
et seq. Effective March 22May 24, 2001 and amended from time to time --------------------- ------------------------------------------------- -------------------------------- Massachusetts Predatory Home Loan Practices Act 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's High Cost Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Oklahoma Consumer Credit Code (codified in various Subsection 10 Mortgage sections of Title 14A) Effecti▇▇ fo▇ ▇▇▇ns taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- West Virginia West Virginia Residential Mortgage Lender, West Virginia Mortgage Loan Mass. Gen. Laws chBroker and Servicer Act, W. Va. Code Ann. 183C, ss.ss. Act Loan 31-17-1 et s▇▇. Effective June 5, 2002 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Covered Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. Covered Loan Mar. 6, 2003) ss.ss. ▇-6A-1 et seq. Effective November 7, 2004 --------------------- ------------------------------------------------- -------------------------------- Nevada Assembly Bill No. 284, Nev. Octo▇▇v. Stat. ss.ss. Home Loan 598D.010 et seq. Effective October 1▇ ▇, 2002 - March 6, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, High Cost Covered Home Loan N.J. Rev. Stat. ss.ss. 46:10B-22 46:10I-B-22 et seq. Effective ▇▇▇▇mber 27, 2003 - July 5, 2004 ---------------------------------------------------------------------------------------------------------------------- Standard & Poor's Home Loan Categorization ---------------------------------------------------------------------------------------------------------------------- Category under Name of Anti-Predatory Lending Applicable Anti- State/Jurisdiction Law/Effective Date Predatory Lending Law ------------------ ------------------ --------------------- ---------------------------------------------------------------------------------------------------------------------- Georgia (Oct. 1, 2002 - Georgia Fair Lending Act, Ga. Code Ann. ss.ss. 7-6A-1 Home Loan Mar. 6, 2003) et ▇▇q. Effective October 1, 2002 - March 6, 2003 ---------------------------------------------------------------------------------------------------------------------- Indiana Indiana Home Loan Practices Act, Ind. Code Ann. Home Loan ss.ss. 24-▇-▇-1 et seq. Effective for loans ▇▇▇▇s originated on or after January 1, 2005. ---------------------------------------------------------------------------------------------------------------------- New Jersey New Jersey Home Ownership Security Act of 2002, Home Loan N.J. Rev. Stat. ss.ss. 46:10I-B-22 et seq. Effective ▇▇▇ ▇oans closed on or after November 27, 2003 --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- New Mexico Home Loan Protection Act, N.M. Rev. Stat. ss.ss. High Cost H▇Home Loan 58-21A-1 ▇▇ ▇oan 58-21A-1 et seq. ▇q. Effective as of January 1, 2004; Revised as of February 26, 2004 --------------------- ------------------------------------------------- -------------------------------- New York N.Y. Banking Law Article 6-l High Cost Home Loan Effective for applications made on or after April 1, 2003 --------------------- ------------------------------------------------- -------------------------------- STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Category under Applicable Lending Law/Effective Date Anti-Predatory Lending Law --------------------- ------------------------------------------------- -------------------------------- ---------------------------------------------------------------------------------------------------------------------- North Carolina Restrictions and Limitations on High Cost Home High Cost Consumer Home Loan Loans, N.C. Gen. Stat. ss.ss. 24-1.1E et sseq. Effectiv▇ ▇or ▇▇.▇▇s taken on or after January 1, 2004 ---------------------------------------------------------------------------------------------------------------------- SCHEDULE A REQUIRED RATINGS FOR EACH CLASS OF CERTIFICATES Public Certificates Class Fitch S&P ------------------------------- ------------- ----------------
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