Banc One Heloc 1999-1 Sample Contracts

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhan (March 20th, 2006)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of March 2006

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $ 8,750,0 (February 21st, 2006)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of February 2006

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $ 8,750,0 (January 20th, 2006)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of January 2006

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26% Transferor $10,205,197.95 0.00% OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500% Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75% Required Credit Enhancement Amount $8,750,000.00 Sp (December 20th, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of December 2005

Banc One Heloc 1999-1 – P & S Agreement Date: Original Settlement Date: Series Number of Certificates: May 31, 1999 June 23, 1999 Original Collateral Sale Balance $510,205,197.95 (November 21st, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 16th day of November 2005

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhan (October 20th, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of October 2005

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhan (September 20th, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of September 2005

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $ 8,750,0 (August 22nd, 2005)
Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $ 8,750,0 (July 20th, 2005)
Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $ 8,750,0 (June 21st, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of June 2005

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhan (May 20th, 2005)
Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 BALANCE MARGIN CERTIFICATES INFORMATION Investors $ 500,000,000.00 0.26 % Transferor $ 10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhan (April 20th, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of April 2005

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (March 21st, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 16th day of March 2005

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (February 22nd, 2005)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 16th day of February 2005

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (January 20th, 2005)
Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (December 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of December 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (November 22nd, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of November 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (October 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of October 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (September 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of September 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $8,750,000.0 (August 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of August 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (July 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the ‘best of his knowledge and belief that information is true and correct this 15th day of July 2004

Banc One Heloc 1999-1 – ABS Corporation Banc One Home Equity Loan Trust 1999-1 Page 1 May 31, 1999 P & S Agreement Date: Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (June 21st, 2004)
Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $8,750,000.0 (May 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of May 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $8,750,000.0 (April 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of April 2004

Banc One Heloc 1999-1 – ABS Corporation P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancement Amount $8,750,000.0 (March 22nd, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of March 2004

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancem (February 20th, 2004)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of February 2004

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancem (January 20th, 2004)
Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancem (December 22nd, 2003)
Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancem (November 20th, 2003)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 17th day of November 2003

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $ 500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $ 510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhanc (October 20th, 2003)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of October 2003

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 CERTIFICATES INFORMATION BALANCE MARGIN Investors $500,000,000.00 0.26 % Transferor $10,205,197.95 0.00 % OTHER INFORMATION Original Pool Balance @ Cut-Off Date $510,205,197.95 Servicing Fee 0.500 % Original Settlement Date 6/23/99 First Payment Date 7/20/99 Short Interest Period Days 27 Managed Amortization Period (Months) 60 Required Credit Enhancement Amount Percentage 1.75 % Required Credit Enhancem (September 22nd, 2003)
Banc One Heloc 1999-1 – P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (August 20th, 2003)

IN WITNESS WHEREOF, the undersigned has caused this Certificate to be duly executed and certifies to the best of his knowledge and belief that information is true and correct this 15th day of August 2003

Banc One Heloc 1999-1 – Banc One Home Equity Loan Trust 1999-1 P & S Agreement Date: May 31, 1999 Original Settlement Date: June 23, 1999 Series Number of Certificates: Original Collateral Sale Balance $510,205,197.95 (July 21st, 2003)