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 of Date Date Gross Remaining Comb Mortgage Principal Principal Interest Term Original Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV ------------------------------------------------------------------------------------------------------------------------- 0 2,462 228,010,672 100.00 8.496 266 87.41 ------------------------------------------------------------------------------------------------------------------------- Total: 2,462 228,010,672 100.00 8.496 266 87.41

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 Comb Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV ------------------------------------------------------------------------------------------------------------------------- Score --------------------------------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,462 228,010,672 100.00 8.496 266 87.41 ------------------------------------------------------------------------------------------------------------------------- Total: 2,462 228,010,672 100.00 8.496 266 87.411,446 88,083,860 100 10.03 177 99.3

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 Comb Combined Average Mortgage Principal Principal Interest Term Original FICO Interest Only Term Loans Balance ($) Balance Rate (%) (months) LTV ------------------------------------------------------------------------------------------------------------------------- Score --------------------------------- -------- ----------- --------- -------- --------- -------- -------- 0 2,462 228,010,672 1,967 190,872,885 100.00 8.496 266 87.41 ------------------------------------------------------------------------------------------------------------------------- 8.299 268 88.07 652 --------------------------------- -------- ----------- --------- -------- --------- -------- -------- Total: 2,462 228,010,672 1,967 190,872,885 100.00 8.496 266 87.418.299 268 88.07 652