Common use of Termination Information Clause in Contracts

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Repairs Cost of Repairs to property Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Hazard Insurance Claim Amount Amount of hazard claim. Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Interest Calculation Method 3360 30/360 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction REO Facilitate REO Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company, Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company, Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. Depository By: Name: Title: Date: EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. Depository By: Name: Title: Date: EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Repairs Cost of Repairs to property Exh. 1-13 Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Hazard Insurance Claim Amount Amount of hazard claim. Exh. 1-14 Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon Exh. 1-15 ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Interest Calculation Method Exh. 1-16 3360 30/360 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family Exh. 1-17 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction Exh. 1-18 REO Facilitate REO Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Exh. 1-19 Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment Exh. 1-21 EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: ________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: _________________________________ Name: Title: Exh. 2-1 EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: _________________ _________________ _________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: _________________________________ Name: Title: Date: Exh. 3-1 The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. _________________________________ Depository By: ___________________________________ Name: Title: Date: Exh. 3-2 EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: ________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: _________________________________ Name: Title: Date: EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: _________________ _________________ _________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: _________________________________ Name: Title: Date: Exh. 5-1 The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. _________________________________ Depository By: ___________________________________ Name: Title: Date: EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Repairs Cost of Repairs to property Exh. 1-13 Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Hazard Insurance Claim Amount Amount of hazard claim. Exh. 1-14 Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon Exh. 1-15 ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Xxxxxx X0 Xxxxxxx Xxxxxx XXXX Xxxx Interest Calculation Method 3360 30/360 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family Exh. 1-17 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction REO Facilitate REO Exh. 1-18 Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Exh. 1-19 Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment Exh. 1-21 EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: __________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: _______________________ Name: Title: EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: ___________________________ ___________________________ ___________________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: ________________________ Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. ___________________________ Depository By: ____________________________ Name: Title: Date: Exh. 3-2 EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: __________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: ________________________ Name: Title: Date: EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: _______________________ _______________________ _______________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: _______________________ Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. ___________________________ Depository By: _____________________________ Name: Title: Date: EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Exh. 1-13 Repairs Cost of Repairs to property Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Exh. 1-14 Hazard Insurance Claim Amount Amount of hazard claim. Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon Exh. 1-15 ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Interest Calculation Method 3360 30/360 Exh. 1-16 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family Exh. 1-17 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction Exh. 1-18 REO Facilitate REO Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Exh. 1-19 Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems Exh. 1-20 TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment Exh. 1-21 EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: _____________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: Exh. 2-1 EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: __________________________ __________________________ __________________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: Exh. 3-1 The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. Depository By: Name: Title: Date: Exh. 3-2 EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: _____________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: Exh. 4-1 EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: _________________________ _________________________ _________________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: Exh. 5-1 The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. Depository By: Name: Title: Date: EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Repairs Cost of Repairs to property Exh. 1-13 Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Exh. 1-14 Hazard Insurance Claim Amount Amount of hazard claim. Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon Exh. 1-15 ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Interest Calculation Method Exh. 1-16 3360 30/360 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family Exh. 1-17 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction Exh. 1-18 REO Facilitate REO Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Exh. 1-19 Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment Exh. 1-21 EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: Exh. 2-1 EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: Exh. 3-1 The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. ____________________________ Depository By: Name: Title: Date: Exh. 3-2 EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: Exh. 4-1 EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: Exh. 5-1 The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. ____________________________ Depository By: Name: Title: Date: Exh. 5-2 EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Repairs Cost of Repairs to property Exh. 1-13 Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Hazard Insurance Claim Amount Amount of hazard claim. Exh. 1-14 Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Interest Calculation Method 3360 30/360 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction REO Facilitate REO Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company, Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company, Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. Depository By: Name: Title: Date: EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. Depository By: Name: Title: Date: EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:Coupon

Termination Information. Net Interest at termination Ending accrued net interest outstanding before the loan was liquidated/terminated Gross Interest at termination Ending accrued gross interest outstanding before the loan was liquidated/terminated Balance at Termination Actual Principal balance at time of termination. Gross Total Proceeds Gross Total Proceeds. Net Total Proceeds Gross total proceeds less expenses. Principal Advanced Total of principal advanced at time of liquidation. Interest Advanced Total of interest advanced at time of liquidation. Deferred Interest Amount of deferred interest on the loan @ liquidation Accrued Servicing Fee Recovered Servicing fee recovered at time of liquidation. Corporate Advances Recovered at Termination The amount of the Total Corporate Advance balance recovered at termination Escrow Advances Recovered at Termination The amount of the Total Escrow Advance balance recovered at termination Commission The broker commission amount on liquidation Seller Concession The dollar amt of seller concessions upon liquidation. Taxes Taxes paid on liquidation Repairs Cost of Repairs to property Water and Sewer Water & Sewer costs Expenses Recovered at Termination The amount of the Total Expenses recovered at termination Corporate Advances at Termination Corporate advance balance at time of liquidation. Escrow Advances at Termination Escrow advance balance at time of liquidation. Charge-off amount Loss amount. Severity Severity percentage. Severity Formula Formula for calculating Severity percentage. Potential Deficiency Judgment Flag Flag indicating loan is referred for deficiency collections. Potential Deficiency Amount Deficiency balance reported to borrower/IRS. Deficiency Proceeds (this period) Deficiency proceeds collected in current month. Deficiency Proceeds Total (to date) Deficiency proceeds collected to date. Deficiency Vendor Expense Deficiency vendor out of pocket expenses. Deficiency Servicer Expense Deficiency vendor collection fee Servicer Hold Back Amount Amount servicer withholds for future trailing expenses. Days from Acquisition to Close Days from Acquisition to Close Days from Possession to Close Days from Possession to Close Property Sale Date Date property sold. Termination Type Type of liquidation. See Enumerations worksheet. Scheduled Sale Date Dates of planned sales for properties in Foreclosure Property Sales Price Sales price if liquidation was short sale or REO sale. Liquidation Date Date property liquidated. Hazard Insurance Claim Date Date hazard claim filed. Hazard Insurance Claim Due Date Date hazard claim due. Hazard Insurance Claim Amount Amount of hazard claim. Exh. 1-14 Hazard Insurance Claim Paid Amount Amount of hazard claim paid to investor. MI Insurance Claim Date Date MI claim filed. MI Insurance Claim Due Date Date MI claim is due to be paid. MI Insurance Claim Amount Expected MI proceeds. MI Insurance Claim Paid Amount Actual MI proceeds received. 306 Amortization Type BN10 Balloon, 10 Year BN5 Balloon, 5 Year BN7 Balloon, 7 Year FIX Fixed FX10 Fixed - 10 Year FX15 Fixed, 15 Year FX5 Fixed - 5 Year FXST Fixed - Short Term H101 Hybrid, 10/1 H106 Hybrid, 10/6 month H21 Hybrid, 2 Year H228 Hybrid 2/28 H31 Hybrid, 3/1 H327 Hybrid 3/27 H51 Hybrid, 5/1 H71 Hybrid, 7/1 OTH Other STEP Step Coupon Exh. 1-15 ARM Index Description 10YC 10 Year CMT 1ML 1 Month Libor 1YC 1 Year CMT 1YL 1 Year Libor 2ML 2 Month Libor 2YC 2 Year CMT 3ML 3 Month Libor 3MT 3 Month TBill 3YC 3 Year CMT 5YC 5 Year CMT 6MCD 6 Month CD 6ML 6 Month Libor 6MT 6 Month TBill COFI COFI FHLM FHLMC Commitment Rate FNMA FNMA Commitment Rate OTH Other Rate PRI PRIME ARM Rounding Feature DEC3 Nearest 1000th H8 Higher Eighth N8 Nearest Eighth NONE None Interest Calculation Method Exh. 1-16 3360 30/360 A360 Actual/360 A365 Actual/365 AA Actual/Actual Loan Type COMI Conventional, with mi. Collecting a premium from the borrower for mortgage insurance and is FHA and is VA CONV Conventional, no mi FHA FHA Mortgage HEL Home Equity Line of credit CC Credit Card A Auto B Boats RV RV’s MFG Manufactured Housing ATV ATV VA VA Mortgage OTH Other Occupancy Type 2ND 2nd Home NOO Non Owner Occupied OO Owner Occupied VA Vacant Property Type 2F 2 Family 3F 3 Family Exh. 1-17 4F 4 Family 2-4F 2-4 Family AUTO Automobile BOAT Boat COND Condominium COOP Cooperative HR-CONDO High Rise Condo HVAC HVAC MF Multi Family MH Manufactured Housing MX Mixed Use OF Office OTH Other PUDA PUD - Attached PUDD PUD - Detached PWR PowerSports RT Retail RV Recreational Vehicle SF Single Family TH TownHouse Purpose of Loan PUR Purchase RELO Relocation REFI Rate/Term Refinance CASH Cash Out Refinance DEBT Cash Out Debt Consolidation IMPR Cash Out Home Improvement EDUC Cash Out Medical or Educational Expense TIT1 Title One Home Improvement CONST New Construction REO Facilitate REO Status of Loan BU Bankrupt - Unknown Status C Current DISP Dispute F Foreclosure NE Non Equity (NPV of current balance < $7,500) FB Forbearance ID In Demand LIT Litigation NLS No Longer Serviced PO Paid Off- Borrower paid down entire balance REO Real Estate Owned - MUST Include a REO sub status RSLD Resolved LIQ Liquidated - MUST include a Termination Type U Unknown Termination Type CO Charge Off COC Charge Off with cash possible NLPO Negotiated Loan Payoff NS Negotiated Sale PO Paid Off PPOC PPO with More Cash Possible REOS REO Sale TPPO Third Party Paid Off Exh. 1-19 Valuation Method DB Drive By WT Walk Through OTH Other APPR Appraisal DD Due Diligence PRFC Pre Foreclosure SUPP Supplemental RR Re-review REO Sub Status AC Acquired PS Possession EV Eviction LS Listed UC Under Contract Reason For Default ABP Abandonment of Property BF Business Failure CI Curtailment Of Income D Death EO Excessive Obligations ILL Illness ITR Inability To Rent MD Marital Difficulties MS Military Service MI Mortgagor Incarcerated N No Reason PD Payment Dispute PP Property Problem SP Servicing Problems TOP Transfer Of Ownership Pen UC Unable To Contact UEMP Unemployment Exh. 1-21 EXHIBIT 2 FORM OF CUSTODIAL ACCOUNT CERTIFICATION _______ __, 200[_] [___________] hereby certifies that it has established the account described below as a Custodial Account pursuant to Section 2.04 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: ____________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: _______________________________ Name: Title: Exh. 2-1 EXHIBIT 3 FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: _______________________ _______________________ _______________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as a Custodial Account pursuant to Section 2.04 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company[insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: _______________________________ Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number __________, at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Custodial Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. _______________________________________ Depository By: _______________________________ Name: Title: Date: EXHIBIT 4 FORM OF ESCROW ACCOUNT CERTIFICATION _________ ___, 200[_] [_____________] hereby certifies that it has established the account described below as an Escrow Account pursuant to Section 2.06 of the Flow Servicing Agreement, dated as of January 1, 2006. Title of Account: “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Xxxxx Mortgage Company [insert name of Owner], Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” Account Number: ____________________ Address of office or branch of the Servicer at which Account is maintained: Avelo Mortgage, L.L.C., Servicer By: _______________________________ Name: Title: Date: EXHIBIT 5 FORM OF ESCROW ACCOUNT LETTER AGREEMENT _______ __, 200[_] To: _______________________ _______________________ _______________________ (the “Depository”) As Servicer under the Flow Servicing Agreement, dated as of January 1, 2006 (the “Agreement”), we hereby authorize and request you to establish an account, as an Escrow Account pursuant to Section 2.06 of the Agreement, to be designated as “Avelo Mortgage, L.L.C., in trust for Xxxxxxx Sachs Mortgage Company [insert name of Owner] Residential Fixed and Adjustable Rate Mortgage Loans, and various Mortgagors.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. You may refuse any deposit which would result in violation of the requirement that the account be fully insured as described below. This letter is submitted to you in duplicate. Please execute and return one original to us. Avelo Mortgage, L.L.C., Servicer By: _______________________________ Name: Title: Date: The undersigned, as Depository, hereby certifies that the above described account has been established under Account Number [______], at the office of the Depository indicated above, and agrees to honor withdrawals on such account as provided above. The full amount deposited at any time in the account will be insured by the Federal Deposit Insurance Corporation through the Bank Insurance Fund (“BIF”) or the Savings Association Insurance Fund (“SAIF”). The parties hereto intend that the Escrow Account established hereby shall be a Special Deposit Account. This letter shall be construed in accordance with the laws of the State of New York. _______________________________________ Depository By: _______________________________ Name: Title: Date: EXHIBIT 6 FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the “Agreement”), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [NAME OF COMPANY] (the “Company”), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that: