Common use of Interest Only Term Clause in Contracts

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 0 256 141,373,813 69.63 6.911 357 80.32 635 60 648 203,871,131 100.00 6.313 111 61,663,023 30.37 6.281 358 81.27 682 81.23 684 ------------------------------------------------------------------------------------------------------------------------------------ Total: 648 203,871,131 100.00 6.313 358 81.27 682 367 203,036,837 100 6.72 357 80.6 650 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------------------- 0 651 99,487,852 44.98 7.135 356 80.44 651 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 445 121,711,591 55.02 6.717 357 79.57 675 --------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 1,096 221,199,443 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------6.905 357 79.96 664 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 1,882 339,239,425 80.80 7.272 331 81.20 652 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 245 80,595,946 19.20 6.312 357 80.47 692 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 648 203,871,131 2,127 419,835,371 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------7.087 336 81.06 660 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 1,761 361,184,916 63.97 7.107 329 81.58 637 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 584 203,434,913 36.03 6.036 357 81.96 668 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,345 564,619,829 100.00 6.721 339 81.72 648 203,871,131 100.00 6.313 358 81.27 682 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Comb Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- 0 1,967 403,591,974 77.02 7.284 351 78.67 24 286 96,586,916 18.43 6.295 355 80.67 36 58 18,284,513 3.49 5.923 356 76.59 120 17 5,574,253 1.06 4.521 296 79.25 ------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 2,328 524,037,656 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------7.025 352 78.97 -------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 275 48,034,837 92.65 7.1 349 81.17 670 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 21 3,811,307 7.35 6.457 357 84.97 702 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------296 51,846,144 100 7.053 349 81.45 672 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,364 541,803,687 68.08 6.786 357 80.37 627 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 797 253,980,326 31.92 6.080 357 81.97 667 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 648 203,871,131 3,161 795,784,013 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------6.561 357 80.88

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------------------------------------------------------- 24 654 154,414,439 90.26 6.305 357 82.95 629 36 68 14,134,152 8.26 6.285 357 82.17 633 120 8 2,526,702 1.48 4.608 297 79.85 745 -------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------730 171,075,293 100 6.278 356 82.84 631 --------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Back Mortgage Principal Principal Interest Term Original FICO DTI Interest Only Term Loans Balance ($) Balance Rate (%Rate(%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ Ratio --------------------------------------------------------------------------------------------------------------------------------- 0 33 5,604,342 84.26 7.664 347 81.01 616 41.99 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 3 1,047,087 15.74 7.273 354 80.00 658 44.83 --------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 36 6,651,429 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------7.603 348 80.85 623 42.44 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Comb Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------------------- 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 100.00 6.313 358 81.27 682 ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- 60 648 203,871,131 401 157,069,380 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 6.082 357 82.34 657 --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 648 203,871,131 401 157,069,380 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------6.082 357 82.34 657 --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,326 421,382,770 76.79 7.232 332 81.8 647 60 648 203,871,131 100.00 6.313 358 386 127,388,228 23.21 6.169 357 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 678 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------2,712 548,770,998 100 6.985 338 81.67 655 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Comb Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------------------------------------------------------------------------------------------------- 0 2,585 490,804,663 87.32 7.100 351 79.19 24 139 52,013,458 9.25 6.541 356 84.37 36 12 5,039,298 0.90 5.965 356 80.27 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 56 13,897,208 2.47 6.539 356 80.20 120 1 333,900 0.06 4.600 297 70.00 ---------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 2,793 562,088,526 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------7.022 351 79.70

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ --------------------------------------------------------------------------------------------------------------------------------- 0 186 28,177,803 95.46 7.354 354 80.12 672 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 8 1,338,866 4.54 7.615 356 80.99 686 --------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 194 29,516,669 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------7.366 354 80.16 673 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 0 3,118 701,027,705 77.47 7.064 358 80.69 622 60 648 203,871,131 100.00 22.53 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 648 203,871,131 3,766 904,898,836 100.00 6.313 6.895 358 81.27 682 80.82 635 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Comb Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 24 515 130,883,725 79.41 6.569 356 82.91 617 36 55 13,236,796 8.03 6.333 356 80.43 613 60 648 203,871,131 100.00 6.313 358 81.27 82 19,761,112 11.99 6.423 356 79.46 655 120 3 931,400 0.57 4.674 296 73.49 682 ------------------------------------------------------------------------------------------------------------------------------------ Total: 648 203,871,131 655 164,813,034 100.00 6.313 358 81.27 682 6.522 356 82.25 621 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Back Mortgage Principal Principal Interest Term Original FICO DTI Interest Only Term Loans Balance ($) Balance Rate (%Rate(%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 60 648 203,871,131 Ratio --------------------------------------------------------------------------------------------------------------------------------- 0 8 800,841 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 7.226 318 80.28 633 32.77 --------------------------------------------------------------------------------------------------------------------------------- Total: 648 203,871,131 8 800,841 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------7.226 318 80.28 633 32.77 ---------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 60 648 203,871,131 797 253,980,326 100.00 6.313 358 81.27 682 6.080 357 81.97 667 ------------------------------------------------------------------------------------------------------------------------------------ Total: 648 203,871,131 797 253,980,326 100.00 6.313 358 81.27 682 6.080 357 81.97 667 ------------------------------------------------------------------------------------------------------------------------------------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- 60 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------ 396 96,910,946 100 6.077 357 81.37 684 ---------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 648 203,871,131 100.00 6.313 358 81.27 682 ------------------------------------------------------------------------------------------------------------------------------------396 96,910,946 100 6.077 357 81.37 684 ---------------------------------- -------- ----------- --------- -------- --------- -------- --------

Interest Only Term. of Mortgage Pool by Aggregate Aggregate Weighted Weighted Weighted Number Cut-off Cut-off Average Average Average Weighted of Date Date Gross Remaining Combined Average Comb Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV Score ------------------------------------------------------------------------------------------------------------------------------------ 0 7,341 1,232,028,400 88.20 7.095 351 79.43 24 515 130,883,725 9.37 6.569 356 82.91 36 55 13,236,796 0.95 6.333 356 80.43 60 648 203,871,131 100.00 6.313 358 81.27 682 82 19,761,112 1.41 6.423 356 79.46 120 3 931,400 0.07 4.674 296 73.49 ------------------------------------------------------------------------------------------------------------------------------------ Total: 648 203,871,131 7,996 1,396,841,434 100.00 6.313 358 81.27 682 7.028 351 79.76 ------------------------------------------------------------------------------------------------------------------------------------