LOAN SERVICING AGREEMENT by and among VANTIUM CAPITAL MARKETS, L.P., as an Owner VANTIUM REO CAPITAL MARKETS, L.P. as an Owner, and FRANKLIN CREDIT MANAGEMENT CORPORATION as the Servicer dated as of July 1, 2010

Exhibit 10.3

CONFIDENTIAL TREATMENT REQUESTED

INFORMATION FOR WHICH CONFIDENTIAL TREATMENT HAS BEEN REQUESTED IS OMITTED AND IS IDENTIFIED BY THREE ASTERISKS, AS FOLLOWS “* * *”, AN UNREDACTED VERSION OF THIS DOCUMENT HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION.

LOAN SERVICING AGREEMENT

by and among

VANTIUM CAPITAL MARKETS, L.P.,
as an Owner

VANTIUM REO CAPITAL MARKETS, L.P.
as an Owner,

and

FRANKLIN CREDIT MANAGEMENT CORPORATION
as the Servicer

dated as of July 1, 2010

TABLE OF CONTENTS


ARTICLE I DEFINITIONS; CERTAIN MATTERS OF CONSTRUCTION			1

ARTICLE II ADMINISTRATION AND SERVICING OF MORTGAGE LOANS			11

2.1. The Servicer to Act as the Servicer			11
2.2. Liquidation of Mortgage Loans			13
2.3. Collection of Mortgage Loan Payments			14
2.4. Establishment of and Deposits to Custodial Account			15
2.5. Permitted Withdrawals From Custodial Account			16
2.6. Establishment of and Deposits to Escrow Account			17
2.7. Permitted Withdrawals From Escrow Account			17
2.8. Payment of Taxes, Insurance and Other Charges			18
2.9. Protection of Accounts			19
2.10. Maintenance of Hazard Insurance			19
2.11. Maintenance of Mortgage Impairment Insurance			21
2.12. Maintenance of Fidelity Bond and Errors and Omissions Insurance			21
2.13. Inspections			21
2.14. Restoration of Mortgaged Property			22
2.15. Maintenance of PMI Policy; Claims			22
2.16. Title, Management and Disposition of REO Property			23
2.17. REO Reports			25
2.18. Liquidation Reports			25
2.19. Reports of Foreclosures and Abandonments of Mortgaged Property			25
2.20. Application of Buydown Funds			25
2.21. Notification of Adjustments			25
2.22. Transfer Notices			26
2.23. Privacy			26
2.24. Losses and Expenses			26


ARTICLE III PAYMENTS TO OWNER			29

3.1. Remittances			29
3.2. Statements to the Owners			29
3.3. Monthly Advances by the Servicer			29

ARTICLE IV GENERAL SERVICING PROCEDURES			30

4.1. Transfers of Mortgaged Property			30
4.2. Satisfaction of Mortgages and Release of Mortgage Files			30
4.3. Servicing Compensation			31
4.4. Annual Independent Public Accountants’ Servicing Report			31
4.5. Right to Examine Servicer Records			32
4.6. Compliance with REMIC Provisions			32

ARTICLE V POSSESSION OF MORTGAGE FILES; BOOKS AND RECORDS; CUSTODIAL AGREEMENT; DELIVERY OF DOCUMENTS; SERVICER TO COOPERATE			33

5.1. Provision of Information			33
5.2. Financial Statements; Servicing Facility			33
5.3. Possession of Mortgage Files; Maintenance of Servicing Files			33
5.4. Books and Records; Transfers of Mortgage Loans			33
5.5. Custodial Agreement; Delivery of Documents			34

ARTICLE VI REPRESENTATIONS AND WARRANTIES			35

6.1. General Representations and Warranties			35
6.2. Representations, Warranties and Covenants of the Owner Regarding Individual Mortgage Loans			36


ARTICLE VII THE SERVICER			38

7.1. Indemnification; Third Party Claims			38
7.2. Merger or Consolidation of the Servicer			38
7.3. Limitation on Liability of the Servicer and Others			39
7.4. Limitation on Assignment by the Servicer			39

ARTICLE VIII REMOVAL OF MORTGAGE LOANS FROM AGREEMENT			39

8.1. Removal of Mortgage Loans from Inclusion Under this Agreement			39

ARTICLE IX DEFAULT			40

9.1. Events of Default			40
9.2. Waiver of Defaults			42

ARTICLE X TERMINATION			42

10.1. Termination			42
10.2. Termination With Cause			42
10.3. Termination Without Cause			43

ARTICLE XI MISCELLANEOUS PROVISIONS			43

11.1. Successor to the Servicer			43
11.2. Reserved			44
11.3. Amendment; Extension Not a Waiver			44
11.4. Governing Law; Venue			44
11.5. Duration of Agreement			45
11.6. Notices			45
11.7. Severability of Provisions			46
11.8. Relationship of Parties			46
11.9. Execution; Successors and Assigns			46
11.10. Assignment by the Owners			46
11.11. Time of Payment			47
11.11. Force Majeure			47

EXHIBITS


Exhibit A		Mortgage Loan Schedule
Exhibit B		Contents of each Mortgage Loan File
Exhibit C-1		Form of Custodial Account Certification
Exhibit C-2		Form of Escrow Account Certification
Exhibit D		Servicing Fee Schedule
Exhibit E		Reports
Exhibit F		Form of Limited Power of Attorney
Exhibit G		Approval Matrix
Exhibit H		Removed Mortgage Loans

LOAN SERVICING AGREEMENT

This Loan Servicing Agreement (the “Agreement”), dated and effective as of July 1, 2010, is by and among Vantium Capital Markets, L.P. (“VCM”), Vantium REO Capital Markets, L.P. (“VCMR”; together with VCM, the “Owners” and each individually, the “Owner”), and Franklin Credit Management Corporation (“Servicer”).

WHEREAS, the Mortgage Loans identified on the Mortgage Loan Schedule annexed hereto as Exhibit A have been purchased by VCM; and

WHEREAS, the Servicer has agreed to service each Mortgage Loan and REO Properties on behalf of the Owners commencing on the Effective Date (as defined herein), and the parties hereto desire to provide the mechanics of such servicing by the Servicer;

NOW, THEREFORE, in consideration of the mutual agreements hereinafter set forth, and for other good and valuable consideration, the receipt and adequacy of which is hereby acknowledged, the Owners and the Servicer agree as follows:

ARTICLE I

DEFINITIONS; CERTAIN MATTERS OF CONSTRUCTION

Whenever used herein, the following words and phrases shall have the following meanings:

“Accepted Servicing Practices” means, with respect to any Mortgage Loan, those customary and reasonable mortgage servicing practices generally undertaken by prudent mortgage lending institutions that service mortgage loans of the same type as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located, subject to and in accordance with the Approval Matrix.

“Adjustment Date” means, as to each adjustable rate Mortgage Loan, the date on which the Mortgage Interest Rate is adjusted in accordance with the terms of the related Mortgage Note and Mortgage.

“Agreement” has the meaning assigned to it in the preamble.

“Ancillary Income” means all income derived from the Mortgage Loans (other than payments of principal and interest on the Mortgage Loans), including any Float Benefit, insufficient fund fees, conversion fees, satisfaction fees, optional insurance administrative fees, assumption fees, escrow account benefits, reinstatement fees, customary real estate referral fees, release fees, late payment fees and all other incidental fees and charges received by the Servicer directly from or on behalf of the Mortgagor in accordance with Applicable Requirements, but excluding Servicing Fees.

“Applicable Requirements” means as of the time of reference, with respect to the Mortgage Loans, REO Property and the servicing of the Mortgage Loans, all of the following: (i) all contractual obligations of the Servicer set forth in this Agreement; (ii) the requirements set forth in the related Mortgage Note and the related Mortgage; (iii) all applicable federal, state and local legal and regulatory requirements (including statutes, rules, regulations and ordinances and including the Privacy Requirements); (iv) all other applicable requirements and guidelines of each governmental agency, board, commission, instrumentality and other governmental body or officer having jurisdiction; (v) all other applicable judicial and administrative judgments, orders, stipulations, awards, writs and injunctions; and (vi) Accepted Servicing Practices.

“Appraised Value” means with respect to any Mortgage Loan, the lesser of (i) the value set forth on the appraisal made in connection with the origination of the related Mortgage Loan as the value of the related Mortgaged Property, or (ii) the purchase price paid for the Mortgaged Property, provided, however, that in the case of a refinanced Mortgage Loan, such value shall be based solely on the appraisal made in connection with the refinancing of such Mortgage Loan.

“Approval Matrix” means the Servicer’s specified delegation of authority to the Servicer for servicing the Mortgage Loans, which is set forth on Exhibit G to this Agreement and which may be amended from time to time by the Owner in the sole discretion of the Owners.

“Assignment of Mortgage” means an assignment of the Mortgage, notice of transfer or equivalent instrument in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect the sale of the Mortgage to the related Owner.

“Bankruptcy Code” means 11 U.S.C. 101 et. seq., as the same may be amended, modified or supplemented from time to time.

“Business Day” means any day other than (i) a Saturday or Sunday, or (ii) a day on which banking institutions located in New York or New Jersey are authorized or obligated by law or executive order to be closed.

“Buydown Agreement” means an agreement between the Originator and a Mortgagor, or an agreement among the Servicer, a Mortgagor and a seller of a Mortgaged Property or a third party with respect to a Mortgage Loan which provides for the application of Buydown Funds.

“Buydown Funds” means, in respect of any Buydown Mortgage Loan, any amount held by the Servicer, which was contributed by the seller of a Mortgaged Property subject to a Buydown Mortgage Loan, the buyer of such property, the Originator or any other source, plus interest earned thereon, in order to enable the Mortgagor to reduce the payments required to be made from the mortgagor’s funds in the early years of a Mortgage Loan.

“Buydown Mortgage Loan” means any Mortgage Loan in respect of which, pursuant to a Buydown Agreement, (i) the Mortgagor pays less than the full monthly payments specified in the Mortgage Note for a specified period, and (ii) the difference between the payments required under such Buydown Agreement and the Mortgage Note is provided from Buydown Funds.

“Buydown Period” means the period of time when a Buydown Agreement is in effect with respect to a related Buydown Mortgage Loan.

“Change in Control” means with respect to any Person, the acquisition by any other Person, or two or more other Persons acting in concert, other than The Huntington National Bank or any of its affiliates, of beneficial ownership (within the meaning of Rule 13d-3 of the Commission under the Exchange Act) of outstanding shares of voting stock or other equity interests of such Person at any time if after giving effect to such acquisition such other Person or Persons owns fifty percent (50%) or more of such outstanding voting stock or other equity interests, as applicable.

“Code” means the Internal Revenue Code of 1986, as it may be amended from time to time or any successor statute thereto, and applicable U.S. Department of the Treasury regulations issued pursuant thereto.

“Condemnation Proceeds” means all awards or settlements in respect of a Mortgaged Property, whether permanent or temporary, partial or entire, by exercise of the power of eminent domain or condemnation, to the extent not required to be released to a Mortgagor in accordance with the terms of the related Mortgage Loan Documents.

“Custodial Account” means the separate account or accounts created and maintained pursuant to Section 2.4.

“Custodial Agreement” means the agreement governing the retention of the originals of each Mortgage Note, Mortgage, Assignment of Mortgage and other Mortgage Loan Documents.

“Custodian” means the custodian under the Custodial Agreement, or its successor in interest or assigns, or any successor to the Custodian under the Custodial Agreement as provided therein.

“Customer Information” means any personally identifiable information in any form (written, electronic or otherwise) relating to a Mortgagor, including, but not limited to: a Mortgagor’s name, address, telephone number, social security number, Mortgage Loan number, Mortgage Loan payment history, delinquency status, insurance carrier or payment information, tax amount or payment information; the fact that the Mortgagor has a relationship with the servicer of such Mortgagor’s Mortgage Loan; and any other non-public personally identifiable information.

“Cut-off Date” means July 1, 2010.

“Damages” means any and all assessments, judgments, claims, liabilities, losses, costs, damages or expenses (including interest, penalties and reasonable attorneys’ fees, expenses and disbursements in connection with any action, suit or proceeding and including any such reasonable attorneys’ fees, expenses and disbursements incurred in enforcing any right of indemnification against any indemnitor).

“Delinquent” means a Mortgage Loan is “Delinquent” when any payment contractually due thereon has not been made by the close of business on the Due Date therefor. Such Mortgage Loan is “30 days Delinquent” if such contractual payment has not been received by the close of business on the numerically corresponding day of the month immediately succeeding the month in which such contractual payment was due, or, if there is no such numerically corresponding day (e.g., when a 30-day month follows a 31-day month in which a payment was due on the 31st day of such month) then on the last day of such immediately succeeding month. Similarly for “60 days Delinquent” the second immediately succeeding month, and for “90 days Delinquent” the third immediately succeeding month.

“Determination Date” means the last calendar day of the month immediately preceding the related Remittance Date.

“Due Date” means the first day of the month on which the Monthly Payment is due on a Mortgage Loan, exclusive of any days of grace.

“Due Period” means with respect to each Remittance Date, the period commencing on the second day of the month preceding the month of the Remittance Date and ending on the first day of the month of the Remittance Date.

“Effective Date” means July 1, 2010.

“Errors and Omissions Insurance Policy” means an errors and omissions insurance policy to be maintained by the Servicer pursuant to Section 2.12.

“Escrow Account” means the separate account or accounts created and maintained pursuant to Section 2.6.

“Escrow Payments” means with respect to any Mortgage Loan, the amounts constituting ground rents, taxes, assessments, water rates, sewer rents, municipal charges, flood insurance premiums, mortgage insurance premiums, fire and hazard insurance premiums, condominium charges, and any other payments required to be escrowed by the Mortgagor with the mortgagee pursuant to the Mortgage or any other related document.

“Event of Default” means any one of the conditions or circumstances enumerated in Section 9.1.

“Exchange Act” means The Securities Exchange Act of 1934, as amended.

“Expenses” has the meaning assigned to it in Section 2.24.2.

“Xxxxxx Xxx” means the Federal National Mortgage Association or any successor thereto.

“FDIC” means the Federal Deposit Insurance Corporation, or any successor thereto.

“FHA” means the Federal Housing Administration, or any successor thereto.

“Fidelity Bond” means a fidelity bond to be maintained by the Servicer pursuant to Section 2.12.

“Float Benefit” means the net economic benefit resulting from escrow and custodial deposits held for the account of the Servicer or the Owners relating to the Mortgage Loan and servicing thereof.

“Gross Margin” means with respect to each Mortgage Loan, the fixed percentage amount set forth in the related Mortgage Note which is added to the Index in order to determine the related Mortgage Interest Rate, as set forth in the Mortgage Loan Schedule.

“HAMP” means the Home Affordable Modification Program established by the U.S. Department of Treasury pursuant to section 101 and 109 of the Emergency Economic Stabilization Act of 2008 (the “Act”), as section 109 of the Act has been amended by section 7002 of the American Recovery and Reinvestment Act of 2009.

“HELOC” means a Mortgage Loan that is a home equity line of credit or any other arrangement under which the Mortgagor has the right to demand further advances from the mortgagee.

“High Cost Loan” means a Mortgage Loan classified as (a) a “high cost” loan under HOEPA, (b) a “high cost home,” “threshold,” “covered,” “high risk home,” “predatory” or similar loan under any other applicable state, federal or local law or (c) a Mortgage Loan categorized as “High Cost” pursuant to the Standard & Poor’s Glossary for File Format for LEVELS^®, Appendix E, as revised from time to time.

“HOEPA” means the Home Ownership Equity Protection Act of 1994, as amended.

“Index” means with respect to any adjustable rate Mortgage Loan, the index identified on the Mortgage Loan Schedule and set forth in the related Mortgage Note for the purpose of calculating the interest thereon.

“Insurer” means any entity generally acceptable to mortgage lending institutions that insures or guarantees all or part of the risk of loss of a Mortgage Loan, including FHA, VA or any provider of a PMI Policy, and the providers of any hazard insurance policy, flood insurance policy or title insurance policy.

“Insurance Proceeds” means with respect to each Mortgage Loan, proceeds of insurance policies insuring the Mortgage Loan or the related Mortgaged Property.

“Litigation: means any litigation, arbitration or other proceeding before any governmental, administrative or arbitral court or tribunal, or any government investigation or administrative enforcement action.

“Liquidation Proceeds” means cash received in connection with the liquidation of a defaulted Mortgage Loan, whether through the sale or assignment of such Mortgage Loan, trustee’s sale, foreclosure sale or otherwise, or the sale of the related Mortgaged Property if the Mortgaged Property is acquired in satisfaction of the Mortgage Loan.

“Loan-to-Value Ratio or LTV” means with respect to any Mortgage Loan, the ratio of the original loan amount of the Mortgage Loan at its origination (unless otherwise indicated) to the Appraised Value of the Mortgaged Property.

“Material Adverse Change” means with respect to a Person, any material adverse change in the business, condition (financial or otherwise), operations, performance or properties of such Person.

“Material Adverse Effect” means (a) a Material Adverse Change with respect to the Servicer or any of its affiliates taken as a whole; (b) a material impairment of the ability of the Servicer to perform under this Agreement and to avoid any Events of Default (that cannot be timely cured, to the extent a cure period is applicable); or (c) a material adverse effect upon the legality, validity, binding effect or enforceability of this Agreement against the Servicer.

“MBA Methodology” means a method of calculating delinquency of a Mortgage Loan based upon the Mortgage Banker Association method, under which method a Mortgage Loan is considered delinquent if the Monthly Payment related to such Mortgage Loan has not been received by the end of the day immediately preceding the loan’s next Due Date (generally the last day of the month which the payment was due). For example, assuming a cut-off date of the end of the calendar month, a loan with a Due Date of August 1st, with no payment received by the close of business on August 31st, would have been reported as delinquent on the September statement.

“Monthly Payment” means (i) the scheduled monthly payment of principal and interest on a Mortgage Loan plus (ii) tax and insurance escrow payment to the extent required under the related Mortgage.

“Mortgage” means the mortgage, deed of trust or other instrument securing a Mortgage Note, which creates a lien on Mortgaged Property securing the Mortgage Note.

“Mortgage File” means the items pertaining to a particular Mortgage Loan referred to in Exhibit B to this Agreement, and any additional documents required to be added to the Mortgage File pursuant to this Agreement.

“Mortgage Interest Rate” means the annual rate of interest borne on a Mortgage Note in accordance with the provisions of the Mortgage Note.

“Mortgage Loan” means each Mortgage Loan subject to this Agreement and which is identified on the Mortgage Loan Schedule, which Mortgage Loan includes the Mortgage File, the Monthly Payments, Principal Prepayments, Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds, Servicing Rights, REO Disposition Proceeds and all other rights, benefits, proceeds and obligations arising from or in connection with such Mortgage Loan. To the extent the context shall permit or require, each such reference to Mortgage Loan shall include REO Property.

“Mortgage Loan Documents” means with respect to a Mortgage Loan, to the extent in the applicable Owner or its designee’s possession, the original related Mortgage Note with applicable addenda and riders, the original related Mortgage and the originals of any required addenda and riders, the original related Assignment of Mortgage and any original intervening related assignments, the original related title insurance policy, related PMI Policy, if any.

“Mortgage Loan Schedule” means a schedule of Mortgage Loans annexed hereto as Exhibit A, such schedule setting forth the following information with respect to each Mortgage Loan: (1) the Servicer’s Mortgage Loan number and (2) the city state and zip code of the Mortgaged Property.

“Mortgage Note” means the note or other evidence of the indebtedness of a Mortgagor secured by a Mortgage.

“Mortgaged Property” means the real property securing repayment of the debt evidenced by a Mortgage Note or, where the context permits or requires (including in Section 6.2), an REO Property.

“Mortgagor” means the obligor on a Mortgage Note.

“Nonrecoverable Advance” means any advance previously made or proposed to be made in respect of a Mortgage Loan or REO Property that, in the good faith business judgment of the Servicer or the related Owner, will not, or, in the case of a proposed Servicing Advance, would not be, ultimately recoverable from related late payments, Insurance Proceeds or Liquidation Proceeds on such Mortgage Loan or REO Property as provided herein.

“Non-Performing Loan” means as of the Determination Date, a Mortgage Loan for which any one of the following applies: (a) any Monthly Payment is Delinquent (using the MBA Methodology) at least two (2) calendar months determined without giving effect to any grace period permitted by the related Mortgage Loan Documents; (b) there has been a material default under the terms and provisions of the Mortgage Loan Documents, and such material default is not likely to be cured by Mortgagor within two (2) calendar months; (c) as to which Servicer shall have received notice of the foreclosure (or deed-in-lieu of foreclosure) or proposed foreclosure (or proposed deed-in-lieu of foreclosure) or exercise of other remedies of any other mortgage or lien senior in priority to the Mortgage on the Mortgaged Property; (d) as to which the Mortgagor has entered into or consented to bankruptcy, appointment of a receiver or conservator or a similar insolvency or similar proceeding, or the Mortgagor has become the subject of a decree or order for such a proceeding which shall have remained in force undischarged or unstayed for a period of two (2) calendar months; or (e) as to which the Mortgagor admits in writing its inability to pay its debts generally as they become due, files a petition to take advantage of any applicable insolvency or reorganization statute, makes an assignment for the benefit of its creditors or voluntarily suspends payments of its obligations.

“Opinion of Counsel” means a customary written opinion of counsel.

“Originator” means, with respect to any Mortgage Loan, the entity or entities that (a) took the relevant Mortgagor’s loan application; (b) processed the relevant Mortgagor’s loan application: and/or (c) closed and/or funded such Mortgage Loan.

“Owner” shall have the meaning set forth in the first paragraph of this Agreement.

“Owners” shall have the meaning set forth in the first paragraph of this Agreement.

“Owner Indemnitees” has the meaning assigned to it in Section 7.1.1.

“Pass-Through Transfer” means the sale or transfer of some or all of the Mortgage Loans by the Owner to a trust formed as part of a publicly issued or privately placed mortgage-backed securities transaction.

“Person” means any individual, corporation, partnership, joint venture, limited liability company, association, joint-stock company, trust, unincorporated organization, government or any agency or political subdivision thereof.

“PMI Policy” means a policy of primary mortgage guaranty insurance issued by an Insurer.

“Principal Prepayment” means any payment or other recovery of principal on a Mortgage Loan which is received in advance of its scheduled Due Date, including any prepayment penalty or premium thereon and which is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment.

“Principal Prepayment Period” means the month preceding the month in which the related Remittance Date occurs.

“Privacy Requirements” means the obligations imposed by (i) Title V of the Xxxxx-Xxxxx-Xxxxxx Act, 15 U.S.C. § 6801 et seq.; (ii) the applicable federal regulations implementing such act and codified at 12 CFR Parts 40, 216, 332, 573, and/or 16 CFR Part 313; (iii) Interagency Guidelines Establishing Standards For Safeguarding Borrower Information published in final form on February 1, 2001 (such final guidelines and/or rules the “Interagency Guidelines”) to establish and maintain an Information Security Program (as such term is defined in the Interagency Guidelines); and (iv) other applicable federal, state and local laws, rules, regulations, and orders relating to the privacy and security of Customer Information, including the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., and similar state laws.

“Qualified Depository” means a deposit account or accounts maintained with a federal or state chartered depository institution selected by the Owners the deposits in which are insured by the FDIC to the applicable limits and the short-term unsecured debt obligations of which (or, in the case of a depository institution that is a subsidiary of a holding company, the short-term unsecured debt obligations of such holding company) are rated A-1 by Standard & Poor’s Ratings Services or Prime-1 by Xxxxx’x Investors Service, Inc. (or a comparable rating if another rating agency is specified by the Owners by written notice to the Servicer) at the time any deposits are held on deposit therein.

“Qualified Insurer” means a mortgage guaranty insurance Insurer duly authorized and licensed where required by law to transact mortgage guaranty insurance business and generally acceptable as an Insurer under Accepted Servicing Practices.

“REMIC” means a “real estate mortgage investment conduit” within the meaning of Section 860D of the Code.

“REMIC Provisions” means provisions of the federal income tax law relating to a REMIC, which appear at Section 860A through 860G of Subchapter M of Chapter 1, Subtitle A of the Code, and related provisions, and regulations, rulings or pronouncements promulgated thereunder, as the foregoing may be in effect from time to time.

“Remittance Date” means the fifth (5^th) Business Day of each month.

“Removed Mortgage Loans” means those Mortgage Loans identified on Exhibit H attached hereto.

“REO Disposition” means the final sale by the Servicer of any REO Property.

“REO Disposition Proceeds” means all amounts received with respect to an REO Disposition pursuant to Section 2.16.

“REO Property” means a Mortgaged Property acquired through foreclosure, by deed in lieu of foreclosure or otherwise, as described in Section 2.16.

“Servicer” means Franklin Credit Management Corporation, or its successor in interest or assigns, or any successor to the Servicer under this Agreement appointed as herein provided.

“Servicer Employees” means Servicer Employees has the meaning set forth in Section 2.12.

“Servicing Advances” means all customary, reasonable and necessary “out of pocket” costs and expenses (including reasonable attorney’s fees and disbursements) incurred in the performance by the Servicer of its servicing obligations that would be reasonably believed to be recoverable in whole or in part under Applicable Requirements, including, but not limited to, the cost of (a) the preservation, restoration and protection of the Mortgaged Property or REO Property, (b) any enforcement or judicial proceedings, including foreclosures and bankruptcy proceedings, (c) the management and liquidation of any REO Property, including, but not limited to, the cost of environmental inspection or review of such property, (d) taxes, assessments, water rates, sewer rents and other charges which are or may become a lien upon the Mortgaged Property or REO Property, PMI Policy premiums and fire, flood and hazard insurance coverage and (e) other Expenses that are the responsibility of the Owners under Section 2.24.

“Servicing Fee” means with respect to each Mortgage Loan, the fees the Owners shall pay to the Servicer, as set forth on Exhibit D to this Agreement.

“Servicing File” means with respect to each Mortgage Loan, the file retained by the Servicer consisting of originals of all documents in the Mortgage File which are not delivered to the Custodian and copies of the Mortgage Loan Documents listed in the Custodial Agreement, the originals of which are delivered to the Custodian pursuant to Section 5.5.

“Servicing Rights” means any and all of the following: (a) any and all rights to service the Mortgage Loans; (b) any payments or monies received by Servicer other than Servicing Fees and other payments and reimbursements to Servicer as provided in this Agreement; (c) subject to the terms and conditions of this Agreement, any Ancillary Income with respect to the Mortgage Loans; (d) all agreements or documents creating, defining or evidencing any such servicing rights to the extent they relate to such servicing rights and all rights of Servicer thereunder; (e) any and all rights to and in the Escrow Payments or other similar payments with respect to the Mortgage Loans and any amounts actually collected by Servicer with respect thereto (other than Prepayment Charges); (f) all accounts and other rights to payment related to any of the property described in this paragraph; and (g) any and all documents, files, records, Servicing Files, servicing documents, servicing records, data tapes, computer records, or other information pertaining to the Mortgage Loans or pertaining to the past, present or prospective servicing of the Mortgage Loans. Notwithstanding anything set forth to the contrary in this Agreement, the applicable Owner owns and retains 100% of the Servicing Rights related to each Mortgage Loan and the Servicer does not own the Servicing Rights relating to any Mortgage Loan.

“Servicing Transfer Costs” mean all reasonable out-of-pocket costs and expenses incurred in connection with the transfer of servicing, including, without limitation, costs related to the transfer or procurement of acceptable tax or flood certification contracts, assignment preparation and recordation costs, MERS transfer costs, and any reasonable out-of-pocket costs or expenses associated with the complete transfer of all servicing data and the completion, correction or manipulation of such servicing data as may be required by the Owners or Servicer (or any successor to Servicer appointed pursuant to Section 11.1) to correct any errors or insufficiencies in the servicing data that do not enable the Mortgage Loans properly and effectively but not including overhead, or similar costs.

“Termination Fee” means, with respect to each Mortgage Loan terminated pursuant to Section 10.3, one half of one per cent (0.50%) of the then outstanding unpaid principal balance of such Mortgage Loan.

“VA” means the United States Department of Veterans Affairs, or any successor thereto.

“Whole Loan Transfer” means any sale or transfer of some or all of the Mortgage Loans by the Owners to a third party, which sale or transfer is not a Pass-Through Transfer.

Construction of this Agreement and Certain Terms and Phrases.

(a) Unless the context of this Agreement clearly indicates otherwise, (i) words of any gender include each other gender; (ii) words denoting the singular shall include the plural and vice versa; (iii) the terms “hereof”, “herein”, “hereby” and derivate or similar words refer to this entire Agreement and not to any particular provision of this Agreement; and (iv) the terms “Article”, “Section”, and “Exhibit” without any reference to a specified document refer to the specified Article, Section and Exhibit, respectively, of this Agreement.

(b) The words “including”, “include” and “includes” are not exclusive and shall be deemed to be followed by the words “without limitation”.

(d) Whenever this Agreement refers to a number of days, such number shall refer to calendar days unless Business Days are specified.

(e) Any reference to any federal, state, local or foreign statute or law, including any one or more sections thereof, shall be deemed also to refer to, unless the context requires otherwise, all rules and regulations promulgated thereunder.

(f) The headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement.

ARTICLE II

ADMINISTRATION AND SERVICING OF MORTGAGE LOANS

2.1. The Servicer to Act as the Servicer.

The Servicer, as an independent contractor, shall service and administer the Mortgage Loans on an actual/actual basis in accordance with this Agreement and Applicable Requirements, and shall have full power and authority, acting alone or through the delegation of duties to third party servicing providers, to do any and all things in connection with such servicing and administration which the Servicer may deem necessary or desirable, consistent with the terms of this Agreement. Notwithstanding anything set forth to the contrary in this Agreement, the applicable Owner owns and retains 100% of the Servicing Rights related to each Mortgage Loan and the Servicer does not own the Servicing Rights relating to any Mortgage Loan. The Servicer shall monitor and comply with all Applicable Laws, rules and/or regulations affecting the servicing of the Mortgage Loans, including but not limited to any foreclosure restrictions and changes in such laws, rules and/or regulations.

Servicer shall be responsible for any and all acts of any third party service provider it uses according to the terms of this Agreement and Servicer’s utilization of such third party service provider shall in no way relieve the liability of Servicer, if any, under this Agreement. Notwithstanding the provisions of any agreement between Servicer and such third party service provider or subservicer, any of the provisions of this Agreement relating to agreements or arrangements between the Servicer or a third party servicer provider or subservicer or reference to actions taken through Servicer or otherwise, the Servicer shall remain obligated and liable to the Owners and their respective successors and assigns for the servicing and administration of the Mortgage Loans in accordance with the provisions of this Agreement without diminution of such obligation or liability by virtue of such agreements or arrangements with the third party service provider or subservicer or by virtue of indemnification from the Servicer and to the same extent and under the same terms and conditions as if the Servicer alone were servicing and administering the Mortgage Loans.

In the event that the Servicer’s responsibilities and duties under this Agreement are terminated pursuant to Article X, and if requested to do so by an Owner the Servicer shall at its own cost and expense terminate the rights and responsibilities of each subservicer effective as of the date of termination of the Servicer. The Servicer shall pay all fees, expenses or penalties necessary in order to terminate the rights and responsibilities of each subservicer from the Servicer’s own funds without reimbursement from any Owner. Any subservicing agreement and any other transactions or services relating to the Mortgage Loans involving a subservicer shall be deemed to be between such subservicer and the Servicer alone, and the Owners shall not have any obligations, duties or liabilities with respect to such subservicer, including any duty obligation, duty or liability to pay such subservicer’s fees and expenses. For purposes of distributions by the Servicer pursuant to this Agreement, the Servicer shall be deemed to have received a payment on a Mortgage Loan when a subservicer has received such payment.

From and after the Effective Date, the Servicer shall assume responsibility under this Agreement to service and administer the Mortgage Loans. The Owners agree to cause the Custodian to provide the Servicer, within five (5) Business Days after the Servicer’s request, copies of the Mortgage Note, the Mortgage or any other documents the related Owner has in its possession or which are held by the Custodian with respect to a Mortgage Loan that the Servicer deems reasonably necessary in connection with its performance of the servicing of said Mortgage Loan.

Consistent with the terms of this Agreement and Applicable Requirements, the Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Servicer’s reasonable and prudent determination such waiver, modification, postponement or indulgence is not materially adverse to the related Owner; provided, however, the Servicer shall not make any future advances with respect to a Mortgage Loan. Notwithstanding the foregoing, and notwithstanding (i) if the Mortgage Loan is delinquent or (ii) if the Mortgage Loan becoming delinquent is reasonably foreseeable, the Servicer shall not accept short sales or partial payments in full satisfaction of any payment obligation, grant forbearances or permit any modification with respect to any Mortgage Loan that would change the Mortgage Interest Rate, defer or forgive the payment of principal or interest, reduce or increase the outstanding principal balance (except for actual payments of principal), capitalize arrearages or change the final maturity date on such Loan, unless the Servicer has obtained the prior written consent of the related Owner or such modification is in accordance with the Approval Matrix. In the event of any such modification for which Servicer did not obtain the prior written approval of the related Owner and which permits the deferral of interest or principal or forgives principal on any Mortgage Loan, Servicer shall, on the Business Day immediately preceding the Remittance Date in any month in which any such principal or interest payment has been deferred or forgiven, deposit in the Custodial Account from its own funds, in accordance with Section 2.4, the difference between (a) such month’s principal and one month’s interest at the Mortgage Interest Rate on the outstanding principal balance of such Mortgage Loan and (b) the amount paid by the Mortgagor. Without limiting the generality of the foregoing, the Servicer shall continue, and is hereby authorized and empowered, to execute and deliver on behalf of itself and the related Owner, all instruments of satisfaction or cancellation, or of partial or full release, discharge and all other comparable instruments, with respect to the Mortgage Loans and with respect to the Mortgaged Properties. If reasonably required by the Servicer, the related Owner shall furnish the Servicer with any powers of attorney in the form of Exhibit F and other documents necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement and the Servicer shall indemnify and hold each Owner harmless for any costs, liabilities or expenses incurred by any Owner in connection with any misuse of such power of attorney by the Servicer or its agents.

Although the Servicer has recommended that Owner consent to and waive any further restrictions that may prevent or inhibit Servicer modifying any eligible Mortgage Loan or providing any other foreclosure prevention service in accordance with HAMP, notwithstanding anything in this Agreement to contrary, the Owners hereby withholds such consent to the Servicer having the authority, for any eligible Mortgage Loan, except those Mortgage Loans identified on the Mortgage Loan Schedule as HAMP Mortgage Loans, to modify such Mortgage Loan, or provide any other foreclosure prevention services, in accordance with HAMP guidelines and procedures in place at such time.

2.2. Liquidation of Mortgage Loans. In the event that any payment due under any Mortgage Loan and not postponed pursuant to Section 2.1 is not paid when the same becomes due and payable, or in the event the Mortgagor fails to perform any other covenant or obligation under the Mortgage Loan and such failure continues beyond any applicable grace period, the Servicer shall take such action as shall be consistent with Applicable Requirements. Servicer shall, only with the prior written consent of the related Owner, foreclose upon or otherwise comparably convert the ownership of such Mortgaged Properties as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments of the related Mortgage Loans pursuant to Section 2.1. If Servicer determines that it is prohibited by Applicable Law from commencing foreclosure proceedings, Servicer shall notify the related Owner no later than three (3) Business Days following such determination. If foreclosure proceedings are commenced, the Servicer shall make all necessary and proper Servicing Advances, subject to reimbursement in accordance with the terms of this Agreement, provided, however, that the Servicer shall not be required to expend funds in connection with any foreclosure or towards the restoration or preservation of any Mortgaged Property, unless it shall determine that such preservation, restoration and/or foreclosure is reasonably expected to increase the proceeds of liquidation of the Mortgage Loan to the Owners after reimbursement to itself for such expenses.

Notwithstanding anything to the contrary contained herein, in connection with the servicing of any Delinquent Mortgage Loan which (i) is subject to HOEPA or any regulations related thereto, (ii) qualifies as a High Cost Loan under a state or local anti-predatory lending law or regulation or (iii) the related Owner otherwise identifies to the Servicer, the Servicer shall not, without the prior approval of the Owner, commence or continue any collection or loss mitigation activities with respect to such Mortgage Loan, including without limitation, the commencement or continuation of any foreclosure proceedings or other proceedings to obtain title to Mortgaged Property securing a Mortgage Loan as a result of or in lieu of foreclosure or otherwise, the delivery of letters or notices to the related Mortgagor, the communication with any Mortgagor (whether by email, letter, telephone, facsimile or otherwise) or any other pre-foreclosure postures or activities. To the extent that any such activities are approved by the Owner, the Servicer shall act in strict compliance with the Owner’s written instructions (provided such instructions are made in accordance with Applicable Requirements), including, without limitation, employing any telephone scripts or other forms provided by the Owner or approved by the Owner in writing in connection with any communication with the Mortgagor.

In the event the Servicer has reasonable cause to believe that a Mortgaged Property is contaminated by hazardous or toxic substances or wastes, Servicer shall promptly notify the Owners. If the related Owner otherwise requests an environmental inspection or review of such Mortgaged Property, such an inspection or review is to be conducted by a qualified inspector. The cost for such inspection or review shall be deemed a Servicing Advance. Upon completion of the inspection or review, the Servicer shall promptly provide the Owners with a written report of the environmental inspection.

After reviewing the environmental inspection report, the related Owner shall determine how the Servicer shall proceed with respect to the Mortgaged Property. In the event (a) the environmental inspection report indicates that the Mortgaged Property is contaminated by hazardous or toxic substances or wastes and (b) the related Owner directs the Servicer to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all costs and expenses associated with such foreclosure or acceptance of a deed in lieu of foreclosure and any related environmental clean up costs, as applicable, pursuant to the terms of this Agreement. In the event the related Owner directs the Servicer not to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all Servicing Advances and Expenses made with respect to the related Mortgaged Property pursuant to the terms of this Agreement.

With respect to any Mortgage Loan, if the related Owner instructs the Servicer in writing, the Servicer shall charge off the related Mortgage Loan on the date indicated by such Owner in its instructions (such date, a “Charge Off Date”; and each such Mortgage Loan, a “Charged Off Mortgage Loan”).

2.3. Collection of Mortgage Loan Payments. Continuously from the date hereof until the principal and interest on all Mortgage Loans are paid in full, the Servicer shall proceed diligently to collect all payments due under each of the Mortgage Loans when the same shall become due and payable and, where required under Applicable Requirements, shall use commercially reasonable efforts in ascertaining and estimating Escrow Payments and all other charges that will become due and payable with respect to the Mortgage Loan and the Mortgaged Property.

If the Servicer has actual knowledge that a Mortgagor is the subject of a proceeding under the Bankruptcy Code or any other similar law, has made an assignment for the benefit of creditors or has had a receiver or custodian appointed for its property, subject to the terms of this Agreement, the Servicer may retain an attorney to pursue motions for relief from the automatic stay on the Mortgage Loan and foreclosure on the Mortgaged Property (if an attorney is needed in that particular jurisdiction). If the Mortgaged Property is acquired in an insolvency proceeding, it shall be acquired in the name of the party designated by the related Owner.

2.4. Establishment of and Deposits to Custodial Account. The Servicer shall segregate and hold all funds collected and received pursuant to Mortgage Loans separate and apart from any of its own funds and general assets and shall establish and maintain one or more Custodial Accounts, in the form of time deposit or demand accounts, titled Franklin Credit Management Corporation, in trust for Vantium Capital Markets, L.P., and various Mortgagors — P & I.” The Custodial Account shall be established with a Qualified Depository and shall be evidenced by a certification in the form of Exhibit C-1 and any other evidence reasonably requested by the Owners to confirm the establishment of such account. Upon request of the Owners and within three (3) Business Days thereof, the Servicer shall provide the Owners with written confirmation of the existence of such Custodial Account. Funds deposited in the Custodial Account may be drawn on by the Servicer in accordance with Section 2.5.

Except as provided herein, the Servicer shall deposit in the Custodial Account within two (2) Business Days of the Servicer’s receipt, and retain therein, the following collections received by the Servicer after the Cut-off Date or received by the Servicer prior to the Cut-off Date but allocable to a period subsequent thereto:

(a) all payments on account of principal on the Mortgage Loans, including all Principal Prepayments;

(b) all payments on account of interest on the Mortgage Loans;

(d) all Insurance Proceeds (other than proceeds to be held in the Escrow Account in accordance with the related Mortgage Loan Documents and Applicable Requirements and applied to the restoration or repair of the Mortgaged Property or released to the Mortgagor in accordance with Section 2.14);

(e) all Condemnation Proceeds which are not applied to the restoration or repair of the Mortgaged Property or released to the Mortgagor in accordance with the related Mortgage Loan Documents and Applicable Requirements;

(f) any amounts received with respect to or related to any REO Property and all REO Disposition Proceeds pursuant to Section 2.16;

(g) any amounts required to be deposited by Servicer pursuant to Section 2.11 in connection with the deductible clause in any blanket hazard insurance policy;

(h) any amounts received by Servicer under a PMI Policy; and

(i) any other amount required to be deposited in the Custodial Account pursuant to this Agreement.

The foregoing requirements for deposit into the Custodial Account shall be exclusive, it being understood and agreed that, notwithstanding the foregoing, the Servicer may net Servicing Advances, Expenses, Servicing Fees and Ancillary Income from funds collected and received on Mortgage Loans before any collections are deposited by the Servicer into the Custodial Account; provided that, Servicer shall only be entitled to retain Ancillary Income from payments representing Ancillary Income that the Servicer received from or on behalf of the Mortgagor. For the avoidance of doubt and notwithstanding any provision to the contrary set forth in this Agreement, Servicer shall be entitled to receive Ancillary Income only from funds received from or on behalf of the Mortgagor which was in excess of the related Monthly Payment and/or the related prepayment charges. The right to net funds for Servicing Advances, Expenses, Servicing Fees and Ancillary Income is not restricted to or limited by funds collected or received in respect of the related Mortgage Loan. Additionally, any other benefit derived from the Custodial Account associated with the receipt, disbursement and accumulation of principal, interest, taxes, hazard insurance, mortgage insurance, etc. shall accrue to the Servicer.

2.5. Permitted Withdrawals From Custodial Account. The Servicer shall, from time to time, withdraw funds from the Custodial Account for the following purposes:

(a) to make payments to the Owners in accordance with Section 3.1;

(b) in the event the Servicer did not retain the Servicing Fee prior to the depositing funds in the Custodial Account, to pay itself the related Servicing Fee;

(c) to reimburse itself for any unreimbursed Servicing Advances or Expenses or Ancillary Income not retained prior to depositing funds in the Custodial Account or that are otherwise reimbursable to the Servicer pursuant to this Agreement;

(d) to pay itself interest or other Float Benefit on funds deposited in the Custodial Account;

(e) [reserved];

(f) to pay any amount required to be paid pursuant to Section 2.16 related to any REO Property;

(g) [reserved];

(h) to remove funds inadvertently placed in the Custodial Account by the Servicer;

(i) to clear and terminate the Custodial Account upon the termination of this Agreement.

On each Remittance Date, the Servicer shall withdraw all funds from the Custodial Account except for those amounts which, pursuant to Section 3.1, the Servicer is not obligated to remit on such Remittance Date. The Servicer may apply such withdrawn funds for any of the purposes described in this Section 2.5. If on any Remittance Date the amounts on deposit in the Custodial Account are insufficient to cover payment or reimbursement to the Servicer of any Servicing Advances or Expenses, the Owners shall reimburse the Servicer for any such amounts within a reasonable time period after receipt by the Owners of an invoice in accordance with Section 2.24.2.

2.6. Establishment of and Deposits to Escrow Account. The Servicer shall segregate and hold all funds collected and received pursuant to a Mortgage Loan constituting Escrow Payments separate and apart from any of its own funds and general assets and shall establish and maintain one or more Escrow Accounts, in the form of time deposit or demand accounts, titled, “Franklin Credit Management Corporation, in trust for Vantium Capital Markets, L.P., and various Mortgagors — T & I.” The Escrow Accounts shall be established with a Qualified Depository and shall be evidenced by a certification in the form of Exhibit C-2 and any other evidence reasonably requested by the Owners to confirm the establishment of such account. Upon request of the Owners and within three (3) Business Days thereof, the Servicer shall provide the Owners with written confirmation of the existence of such Escrow Account. Funds deposited in the Escrow Account may be drawn on by the Servicer in accordance with Section 2.7.

The Servicer shall deposit in the Escrow Account or Accounts within two (2) Business Days of the Servicer’s receipt, and retain therein:

(a) all Escrow Payments collected on account of the Mortgage Loans, for the purpose of effecting timely payment of any such items as required under the terms of this Agreement;

(b) all amounts representing Insurance Proceeds or Condemnation Proceeds which are to be applied to the restoration or repair of any Mortgaged Property; and

The Servicer shall make withdrawals from the Escrow Account only to effect such payments as are required under this Agreement, as set forth in Section 2.7. The Servicer shall be entitled to retain any interest or other Float Benefits paid on funds deposited in the Escrow Account by the depository institution, other than interest on escrowed funds required by Applicable Requirements to be paid to the Mortgagor. Additionally, any other benefit derived from the Escrow Account associated with the receipt, disbursement and accumulation of principal, interest, taxes, hazard insurance, mortgage insurance, etc. shall accrue to the Servicer. To the extent required by Applicable Requirements, the Servicer shall pay interest on escrowed funds to the Mortgagor (without reimbursement thereof to the extent that as of the applicable Determination Date interest earned from funds deposited in the Escrow Account, on an aggregate basis, would otherwise be available to pay such amount) notwithstanding that the Escrow Account may be non-interest bearing or that interest paid thereon is insufficient for such purposes.

2.7. Permitted Withdrawals From Escrow Account. Withdrawals from the Escrow Account or Accounts may be made by the Servicer only:

(a) to effect timely payments of ground rents, taxes, assessments, water rates, mortgage insurance premiums, flood insurance premiums (if applicable), condominium charges, fire and hazard insurance premiums or other items constituting Escrow Payments for the related Mortgage;

(b) to reimburse the Servicer for any unreimbursed Servicing Advances or Expenses made by the Servicer pursuant to Section 2.8;

(c) to refund to any Mortgagor any funds found to be in excess of the amounts required under the terms of the related Mortgage Loan;

(d) for transfer to the Custodial Account and application to reduce the principal balance of the Mortgage Loan in accordance with the terms of the related Mortgage and Mortgage Note;

(e) for application to the restoration or repair of the Mortgaged Property in accordance with the procedures outlined in Section 2.14;

(f) to pay to the Servicer, or any Mortgagor to the extent required by Applicable Requirements, any interest or other Float Benefit paid on the funds deposited in the Escrow Account;

(g) to remove funds inadvertently placed in the Escrow Account by the Servicer;

(h) to remit to the Owners payments on account of Buydown Funds as applicable; and

(i) to clear and terminate the Escrow Account on the termination of this Agreement.

2.8. Payment of Taxes, Insurance and Other Charges. With respect to each Mortgage Loan that provides for Escrow Payments and with respect to each REO Property, the Servicer shall maintain accurate records reflecting the status of ground rents, taxes, assessments, water rates, sewer rents, and other charges which are or may become a lien upon the Mortgaged Property or REO Property and the status of PMI Policy premiums, flood insurance premiums (if applicable), and fire and hazard insurance coverage and shall obtain, from time to time, all bills for the payment of such charges (including renewal premiums) (“Property Charges”) and shall effect payment thereof prior to the applicable penalty or termination date, employing for such purpose (i) with respect to the related Mortgage Loans, deposits of the Mortgagor in the Escrow Account which shall have been estimated by Servicer in amounts sufficient for such purposes or (ii) with respect to the related REO Properties, Servicing Advances. Servicer assumes full responsibility for the timely payment of all such bills and shall effect timely payment of all such charges irrespective of each Mortgagor’s faithful performance in the payment of same or the making of the Escrow Payments. Any Servicing Advances or Expenses to effect payments of such charges are reimbursable in accordance with the terms of this Agreement.

To the extent that a Mortgage Loan does not provide for Escrow Payments, Servicer shall make a Servicing Advance from its own funds to effect payment of all Property Charges upon receipt of notice of any failure to pay on the part of the Mortgagor, or at such other time as Servicer determines to be in the best interest of the applicable Owner unless Servicer reasonably believes that an advance pursuant to this or any other section will be a Nonrecoverable Advance, provided that, in any event Servicer shall pay such charges on or before the earlier of (i) any date by which payment is necessary to preserve the lien status of the Mortgage or (ii) the date by which is the earlier of (A) ninety (90) days after the date on which such charges first became due and (B) payment is required in order to avoid the accrual of penalties or fees with respect to non-payment of such Property Charges. Servicer shall pay any late fee or penalty which is payable due to any delay in payment of any Property Charge, without reimbursement, caused by Servicer’s action or inaction.

If the Escrow Payment would constitute a Nonrecoverable Advance, Servicer will not, unless otherwise directed by the related Owner, be obligated to make such advance. The determination by the Servicer that it has made a Nonrecoverable Advance or that any proposed advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officer’s Certificate delivered to the applicable Owner on the next distribution report provided by the Servicer.

2.9. Protection of Accounts. Upon the Owners prior written consent, the Servicer may transfer the Custodial Account or the Escrow Account to a different Qualified Depository.

2.10. Maintenance of Hazard Insurance. The Servicer shall cause to be maintained for each Mortgaged Property and/or REO Property hazard insurance such that all buildings upon each Mortgaged Property and/or REO Property are insured by a generally acceptable Insurer acceptable to mortgage lending institutions against loss by fire, hazards of extended coverage and such other hazards as are customary in the area where the Mortgaged Property and/or REO Property is located, in an amount which is at least equal to the lesser of (i) the replacement value of the improvements securing such Mortgaged Property and/or REO Property and (ii) the greater of (a) the outstanding principal balance of the Mortgaged Property and/or REO Property and (b) an amount such that the proceeds thereof shall be sufficient to prevent the Mortgagor or the loss payee from becoming a co-insurer. If the Mortgagor fails to maintain hazard insurance, Servicer shall, if the Mortgaged Property and/or REO Property is occupied, advance an amount sufficient to maintain the existing Mortgagor’s policy, which such advance shall be deemed a Servicing Advance. If such policy cannot be maintained, Servicer shall obtain such coverage, and the costs and expenses Servicer incurs for coverage shall be deemed a Servicing Advance.

If the related Mortgaged Property and/or REO Property is located in an area identified by the Flood Emergency Management Agency as having special flood hazards (and such flood insurance has been made available), the Servicer shall cause to be maintained for such Mortgaged Property and/or REO Property a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration in effect in an amount representing coverage equal to the lesser of (i) the minimum amount required, under the terms of coverage, to compensate for any damage or loss on a replacement cost basis; (ii) the unpaid balance of the related Mortgage; and (iii) the maximum amount of insurance which is available under the Flood Disaster Protection Act of 1973, as amended. The cost of any flood insurance purchased by the Servicer pursuant to the foregoing shall be reimbursable as a Servicing Advance in accordance with the terms of this Agreement.

If at any time during the term of the Mortgage Loan the Servicer determines in accordance with Applicable Requirements that a Mortgaged Property is located in a special flood hazard area and is not covered by flood insurance or is covered in an amount less than the amount required by the Flood Disaster Protection Act of 1973, as amended, Servicer shall, advance an amount sufficient to maintain the existing Mortgagor’s policy and notify the related Mortgagor that the Mortgagor must obtain such flood insurance coverage, and if said Mortgagor fails to obtain the such flood insurance coverage within forty-five (45) days after such notification, the Servicer shall immediately force place the required flood insurance on the Mortgagor’s behalf. The costs and expenses Servicer incurs for such flood insurance coverage shall be a Servicing Advance.

In the event that the Servicer shall determine that a Mortgaged Property should be insured against loss or damage by hazards and risks not covered by the insurance required to be maintained by the Mortgagor pursuant to the terms of the Mortgage, the Servicer shall communicate and consult with the Mortgagor with respect to the need for such insurance and bring to the Mortgagor’s attention the desirability of protection of the Mortgaged Property.

If a Mortgage Loan is secured by a unit in a condominium project, Servicer shall use commercially reasonable efforts to attempt to verify if the insurance coverage required of the owner’s association, including hazard, flood, liability, and fidelity coverage is adequate under Accepted Servicing Practices, in an attempt to secure from the owner’s association its agreement to notify Servicer promptly of any material change in insurance coverage or of any condemnation or casualty loss that may have a material effect on the value of the Mortgaged Property as security. The Servicer shall promptly notify the Owners in the event of any such material change or cancellation or in the event that the Servicer is unable to verify the adequacy of the insurance coverage.

All policies required hereunder shall name the Servicer as loss payee and shall be endorsed with standard or New York mortgagee clauses, without contribution, which shall provide for at least thirty (30) days’ prior written notice to Servicer of any cancellation, reduction in amount or material change in coverage.

Pursuant to Section 2.4, any amounts collected by the Servicer under any such policies (other than amounts to be deposited in the Escrow Account and applied to the restoration or repair of the related Mortgaged Property, or property acquired in liquidation of the Mortgage Loan, or to be released to the Mortgagor, in accordance with the Applicable Requirements as specified in Section 2.14) shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 2.5.

Notwithstanding the foregoing, the Servicer shall not interfere with the Mortgagor’s freedom of choice in selecting either his or her insurance carrier or agent, provided, however, that Servicer shall not accept any such insurance policies from insurance companies unless such companies are generally acceptable to mortgage lending institutions. Servicer shall determine that such policies insure the property owner and that they properly describe the property address. Servicer shall furnish to the Mortgagor a formal notice of expiration of any such insurance in sufficient time for the Mortgagor to arrange for renewal coverage by the expiration date.

2.11. Maintenance of Mortgage Impairment Insurance. In the event that the Servicer shall obtain and maintain a blanket policy insuring against losses arising from fire, flood and hazards covered under extended coverage on all of the Mortgage Loans, then, to the extent such policy provides coverage in an amount equal to the amount required pursuant to Section 2.10 and otherwise complies with all other requirements of Section 2.10, it shall conclusively be deemed to have satisfied its obligations as set forth in Section 2.10. The Servicer shall prepare and make any claims on the blanket policy as deemed necessary by the Servicer in accordance with Accepted Servicing Practices. Any amounts collected by the Servicer under any such policy relating to a Mortgage Loan shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 2.5. Such blanket policy may contain a deductible clause, in which case, in the event that there shall not have been maintained on the related Mortgaged Property or REO Property, a policy complying with Section 2.11, and there shall have been a loss which would have been covered by such policy, Servicer shall deposit in the Custodial Account at the time of such loss the amount not otherwise payable under the blanket policy because of such deductible clause, such amount to be deposited from Servicer’s funds, without reimbursement therefor. Upon request of the Owners, Servicer shall cause to be delivered to the Owners a certificate of insurance for such policy and a statement from the insurer thereunder that such policy shall in no event be terminated or materially modified without thirty (30) days’ prior written notice to the related Owner.

2.12. Maintenance of Fidelity Bond and Errors and Omissions Insurance. The Servicer shall maintain with responsible companies, at its own expense without reimbursement thereof, a blanket Fidelity Bond and an Errors and Omissions Insurance Policy, with broad coverage on all of its officers, employees or other persons acting in any capacity on behalf of the Servicer requiring such persons to handle funds, money, documents or papers relating to the Mortgage Loans (the “Servicer Employees”). Any such Fidelity Bond and Errors and Omissions Insurance Policy shall be in the form of the Mortgage Banker’s Blanket Bond and shall protect and insure the Servicer against losses, including forgery, theft, embezzlement, fraud, errors and omissions and negligent acts of the Servicer Employees. Such Fidelity Bond and Errors and Omissions Insurance Policy also shall protect and insure the Servicer against losses in connection with the release or satisfaction of a Mortgage Loan without having obtained payment in full of the indebtedness secured thereby. No provision of this Section 2.12 requiring such Fidelity Bond and Errors and Omissions Insurance Policy shall diminish or relieve the Servicer from its duties and obligations as set forth in this Agreement. The minimum coverage under any such Fidelity Bond and Errors and Omissions Insurance Policy shall be at least equal to the amounts generally acceptable to mortgage lending institutions. Upon the execution of this Agreement and any other time upon the request of the Owners, the Servicer shall cause to be delivered to the Owners a certificate of insurance for such Fidelity Bond and Errors and Omissions Insurance Policy and shall request a statement from the surety and the insurer that such Fidelity Bond and Errors and Omissions Insurance Policy shall in no event be terminated or materially modified without thirty (30) days’ prior written notice to the Owners.

2.13. Inspections. The Servicer shall be responsible for further safeguarding the related Owner’s interest in the REO Property (or Mortgaged Property with respect to a Non-Performing Loan) by inspecting each REO Property (or Mortgaged Property with respect to a Non-Performing Loan) as often as deemed necessary by the Servicer to assure itself that the value of the REO Property (or Mortgaged Property with respect to a Non-Performing Loan) is being preserved, which costs and expenses shall be deemed a Servicing Advance; provided that the Servicer shall inspect the REO Property (or Mortgaged Property with respect to a Non-Performing Loan) within five (5) days of such property becoming an REO Property (or such Mortgage Loan becoming a Non-Performing Loan) and shall conduct subsequent inspections approximately every thirty (30) days, but no more than thirty-five (35) days after the prior inspection, to assure itself that the value of the REO Property or Mortgaged Property, as applicable is being preserved in accordance with Applicable Requirements. The Servicer shall maintain appropriate records of each such inspection. The Servicer shall provide a monthly electronic report that references each such inspection and provide such report to the related Owner or Owner’s designee.

2.14. Restoration of Mortgaged Property. Solely with respect to any Mortgage Loan which is less than 30 days Delinquent, the Servicer need not obtain the approval of the related Owner prior to releasing any Insurance Proceeds or Condemnation Proceeds to the Mortgagor to be applied to the restoration or repair of the Mortgaged Property if such release is in accordance with Applicable Requirements. For claims greater than $5,000, the Servicer shall comply with the following conditions in connection with any such release of Insurance Proceeds or Condemnation Proceeds:

(a) the Servicer shall receive satisfactory independent verification of completion of repairs and issuance of any required approvals with respect thereto;

(b) the Servicer shall take all steps necessary to preserve the priority of the lien of the Mortgage, including, but not limited to requiring waivers with respect to mechanics’ and materialmen’s liens;

(d) pending repairs or restoration, the Servicer shall place the Insurance Proceeds or Condemnation Proceeds in the Escrow Account.

Notwithstanding the foregoing, with respect to any Mortgage Loan which is greater than 30 days Delinquent or any REO Property, the Servicer shall not release any Insurance Proceeds or Condemnation Proceeds to the Mortgagor to be applied to the restoration or repair of the Mortgaged Property without the prior written consent of the applicable Owner.

If the related Owner is named as an additional loss payee, the Servicer is hereby empowered to endorse any loss draft issued in respect of such a claim in the name of the related Owner.

2.15. Maintenance of PMI Policy; Claims. The Servicer shall maintain or cause the Mortgagor to maintain in full force and effect, with respect to each Mortgage Loan with an existing PMI Policy on the Effective Date, a PMI Policy insuring the portion over 78% until terminated pursuant to the Home Owners Protection Act of 1998, 12 U.S.C. § 4901, et seq. (if applicable) or the terms of the related PMI Policy. In the event that such PMI Policy shall be terminated other than as required by Applicable Requirements or the terms of the PMI Policy, the Servicer shall obtain from another Qualified Insurer a comparable replacement policy, with a total coverage equal to the remaining coverage of such terminated PMI Policy. If the insurer shall cease to be a Qualified Insurer, the Servicer shall determine whether recoveries under the PMI Policy are jeopardized for reasons related to the financial condition of such insurer, it being understood that the Servicer shall in no event have any responsibility or liability for any failure to recover under the PMI Policy for such reason. If the Servicer determines that recoveries are so jeopardized, it shall

notify the Owners and the Mortgagor, if required, and make commercially reasonable efforts obtain from another Qualified Insurer a replacement insurance policy at substantially the same fee level, to the extent commercially available; provided, however, that the Servicer shall promptly notify the Owners in the event the Servicer is unable to obtain such replacement insurance policy. The Servicer shall not take any action which would result in noncoverage under any applicable PMI Policy of any loss which, but for the actions of the Servicer would have been covered thereunder. In connection with any assumption or substitution agreement entered into or to be entered into pursuant to Section 4.1, the Servicer shall promptly notify the insurer under the related PMI Policy, if any, of such assumption or substitution of liability in accordance with the terms of such PMI Policy and shall take all actions which may be required by such insurer as a condition to the continuation of coverage under such PMI Policy. If such PMI Policy is terminated as a result of such assumption or substitution of liability, the Servicer shall obtain a replacement PMI Policy as provided above subject to reimbursement as a Servicing Advance in accordance with the terms of this Agreement.

With respect to each Mortgage Loan covered by a PMI Policy, Servicer shall take all such actions on behalf of the applicable Owner as are necessary to service, maintain and administer the related Mortgage Loan in accordance with such policy and to enforce the applicable Owner’s rights under such policy. Except as expressly set forth herein, Servicer shall have full authority on behalf of the applicable Owner to act in accordance with the Applicable Requirements in connection with the servicing, maintenance and administration of such policy; provided that Servicer shall not take any action to permit any modification or assumption of a Mortgage Loan covered by a PMI Policy, or take any other action with respect to such Mortgage Loan, which would result in non-coverage under such policy of any loss which, but for actions of any Servicer, would have been covered thereunder. If the Qualified Insurer fails to pay a claim in whole or in part under a PMI Policy as a result of a breach by Servicer of its obligations hereunder or under such policy, Servicer shall be required to deposit in the Custodial Account on or prior to the next succeeding Remittance Date an amount equal to such unpaid claim from its own funds without any rights to reimbursement from Owners. Servicer shall cooperate with the Insurers and shall furnish all reasonable evidence and information in the possession of Servicer to which Servicer has access with respect to the related Mortgage Loan.

In connection with its activities as servicer, the Servicer agrees to prepare and present, on behalf of itself and the Owners, claims to the Insurer under any PMI Policy in a timely fashion in accordance with the terms of such PMI Policy and, in this regard, to take such action as shall be necessary to permit recovery under any PMI Policy respecting a defaulted Mortgage Loan. Pursuant to Section 2.4, any amounts collected by the Servicer under any PMI Policy shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 2.5.

2.16. Title, Management and Disposition of REO Property. In the event that title to any Mortgaged Property is acquired in foreclosure, by deed in lieu of foreclosure or otherwise (including by purchase), the deed or certificate of sale shall be taken in the name of VCMR, or, at the direction of the related Owner, the deed or certificate of sale shall be taken in the name of a nominee for the related Owner. The Person or Persons holding such title other than the related Owner shall acknowledge in writing that such title is being held as nominee for the related Owner.

In accordance with an REO marketing plan approved by the Owners, the Servicer shall manage, conserve, protect and operate each REO Property for the related Owner solely for the purpose of maximizing the net present value of proceeds recoverable by the applicable Owner. The Servicer shall cause each REO Property to be inspected promptly upon the acquisition of title thereto and shall cause each REO Property to be inspected in accordance with Section 2.13. The Servicer, either itself or through an agent selected by the Servicer, shall manage, conserve, protect and operate the REO Property in the same manner that similar property in the same locality as the REO Property is managed. The Servicer shall attempt to sell the same (and may temporarily rent the same for a period not greater than three years, except as otherwise provided below) on such terms and conditions as the Servicer deems to be in the reasonable interest of the related Owner.

The Servicer shall use commercially reasonable efforts to dispose of the REO Property as soon as possible and shall sell such REO Property in any event within three years after title has been taken to such REO Property, unless (i) a REMIC election has not been made with respect to the arrangement under which the Mortgage Loans and the REO Property are held, and (ii) the Servicer determines, and gives notice to the related Owner to such effect, that a longer period is necessary for the orderly liquidation of such REO Property or that to maximize recovery the REO Property should be rented. The Servicer shall report monthly to the Owners as to the progress being made in selling each REO Property in accordance with Section 2.17.

The Servicer shall also maintain on each REO Property fire and hazard insurance with extended coverage in amount which is at least equal to the maximum insurable value of the improvements which are a part of such property, liability insurance and, to the extent required and available under the Flood Disaster Protection Act of 1973, as amended, flood insurance in the amount required above.

The disposition of REO Property shall be carried out by the Servicer at such price, and upon such terms and conditions, as the Servicer deems to be in the best interests of the related Owner; provided that the Servicer has received the prior written consent of the related Owner with respect to each disposition thereof. The proceeds of sale of the REO Property shall be promptly deposited in the Custodial Account. As soon as practical thereafter, the expenses of such sale shall be paid and the Servicer shall reimburse itself for any related unreimbursed Servicing Advances, Expenses and unpaid Servicing Fees. On the Remittance Date immediately following the Principal Prepayment Period in which such sale proceeds are received, the net cash proceeds of such sale remaining in the Custodial Account shall be distributed to the Owners, net of any Ancillary Income or unreimbursed Servicing Fees, Expenses or Servicing Advances.

The Servicer shall withdraw from the Custodial Account funds necessary for the proper operation, management and maintenance of the REO Property, including the cost of maintaining any hazard insurance pursuant to Section 2.10. Such advances shall be considered a Servicing Advance. Notwithstanding the foregoing, in the event any such cost exceeds $5,000 before making any such advance the Servicer shall obtain the related Owner’s prior written approval.

2.17. REO Reports. Together with the statement furnished pursuant to Section 3.2, the Servicer shall furnish to the Owners on or before the Remittance Date of each month a statement with respect to any REO Property, which statement shall cover the operation of such REO Property for the previous month and the Servicer’s efforts in connection with the sale of such REO Property and any rental of such REO Property incidental to the sale thereof for the previous month. That statement shall be accompanied by such other information as the Owners or their designee shall reasonably request.

2.18. Liquidation Reports. Upon the foreclosure sale of any Mortgaged Property or the acquisition thereof by VCMR pursuant to a deed in lieu of foreclosure, the Servicer shall submit to the Owners a liquidation report with respect to such Mortgaged Property.

2.19. Reports of Foreclosures and Abandonments of Mortgaged Property. Following the foreclosure sale or abandonment of any Mortgaged Property or REO Property, the Servicer shall report such foreclosure or abandonment as required pursuant to Section 6050J of the Code. The Servicer shall file information reports with respect to the receipt of mortgage interest received in a trade or business and information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property as required by the Code. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by the Code.

2.20. Application of Buydown Funds. If the Mortgagor on a Buydown Mortgage Loan defaults on such Mortgage Loan during the Buydown Period and the Mortgaged Property securing such Buydown Mortgage Loan is sold in the liquidation thereof (either by the Servicer or the insurer under any related PMI Policy) the Servicer shall, on the Remittance Date following the date upon which Liquidation Proceeds or REO Disposition Proceeds are received with respect to any such Buydown Mortgage Loan, distribute to the Owners all remaining Buydown Funds for such Mortgage Loan then remaining in the Escrow Account. Pursuant to the terms of each Buydown Agreement, any amounts distributed to the Owners in accordance with the preceding sentence will be applied to reduce the outstanding principal balance of the related Buydown Mortgage Loan. If a Mortgagor on a Buydown Mortgage Loan prepays such Mortgage Loan in its entirety during the related Buydown Period, the Servicer shall be required to withdraw from the Escrow Account any Buydown Funds remaining in the Escrow Account with respect to such Buydown Mortgage Loan in accordance with the related Buydown Agreement. If a principal prepayment by a Mortgagor on a Buydown Mortgage Loan during the related Buydown Period, together with any Buydown Funds then remaining in the Escrow Account related to such Buydown Mortgage Loan, would result in a principal prepayment of the entire unpaid principal balance of the Buydown Mortgage Loan, the Servicer shall distribute to the Owners on the Remittance Date occurring in the month immediately succeeding the month in which such Principal Prepayment is received, all Buydown Funds related to such Mortgage Loan so remaining in the Escrow Account, together with any amounts required to be deposited into the Custodial Account.

2.21. Notification of Adjustments. With respect to each adjustable rate Mortgage Loan, the Servicer shall adjust the Mortgage Interest Rate on the related Adjustment Date and shall adjust the Monthly Payment on the related mortgage payment adjustment date, if applicable, in compliance with the requirements of Applicable Requirements. The Servicer shall execute and deliver any and all necessary notices required under Applicable Requirements regarding the Mortgage Interest Rate and Monthly Payment adjustments. Servicer shall promptly, upon written request therefor, deliver to the Owners such notifications and any additional applicable data regarding such adjustments and the methods used to calculate and implement such adjustments. Upon the discovery by Servicer or the receipt of notice from the Owners that Servicer has failed to adjust a Mortgage Interest Rate or Monthly Payment in accordance with the terms of Applicable Requirements, Servicer shall immediately deposit in the Custodial Account from its own funds the amount of any interest loss or deferral caused thereby.

2.22. Reserved.

2.23. Privacy.

2.23.1. Except in accordance with this Section 2.23, the Servicer shall not disclose any Customer Information to any Person, including, but not limited to, any of the Servicer’s employees, agents, or contractors, or any third party not affiliated with the Servicer. The Servicer shall disclose such Customer Information only to the extent permitted by, or necessary to carry out the Servicer’s express obligations and rights under, this Agreement or under Applicable Requirements and for no other purpose. Servicer shall ensure that each vendor or other Person to which the Servicer intends to disclose Customer Information shall, prior to any such disclosure of information; agree to: (i) keep confidential any such Customer Information in accordance with the terms of this Agreement; and (ii) use or disclose such Customer Information only to the extent necessary to carry out the Servicer’s express obligations and rights under this Agreement.

2.23.2. Without limiting the scope of the above, the Servicer shall use at least the same physical and other security measures to protect all Customer Information in the Servicer’s possession or control as the Servicer uses for its own confidential and proprietary information of a similar nature. The Servicer shall at all times have in place information security programs that (i) ensure the security and confidentiality of the trademarks, trade secrets, know-how, business methods and practices, internal procedures and other intellectual property and confidential information of the Owners and Customer Information (collectively, the “Protected Information”), (ii) protect against any anticipated threats or hazards to the security or integrity of Protected Information, (iii) protect against unauthorized access to or use of Protected Information that could result in substantial harm or inconvenience to any Person, and (iv) ensure the proper disposal of Protected Information. Any failure by the Servicer to comply with the requirements set forth in this paragraph as they relate to the Mortgage Loans hereunder shall constitute a security breach (“Security Breach”). In the event of any Security Breach, the Servicer shall (i) provide written notice of the same to the Owners, and (ii) provide the Owners with all information that is relevant to the Security Breach. In either case, the Servicer shall take all appropriate actions to protect against further Security Breaches, and to fully cooperate with the Owners and all governmental authorities with respect to compliance with all requirements of Applicable Requirements relating to Security Breaches.

2.24. Losses and Expenses.

2.24.1. The related Owner shall remain responsible, as between such Owner and the Servicer, for losses related to the related Owner’s investment in the Mortgage Loans. Losses of the type referred to above for which the related Owner shall remain responsible include, but are not limited to: credit losses, special hazard insurance premiums, losses in connection with the final sale price of a REO Property or foreclosure sale, losses on Mortgage Loans in default or in bankruptcy, and losses in connection with the Soldiers and Sailors Civil Relief Act (and any successor to such Act); provided that Servicer shall be liable for any losses resulting or arising from failure of Servicer to perform its duties and service the Mortgage Loans in compliance with the terms of this Agreement.

2.24.2. In the event withdrawals from the Custodial or Escrow Accounts are insufficient to reimburse the Servicer pursuant to this Agreement the related Owner shall promptly upon receipt of an invoice with proper documentation and evidence of amounts owed reimburse the Servicer for Servicing Advances and the following expenses (“Expenses”): (i) any out-of-pocket expense the Servicer incurs with the prior approval of the Owners in connection with its servicing and administrative obligations set forth in this Agreement to the extent such expense is not ordinary to the servicing function (but not including salaries, rent and other general operating expenses of the Servicer normally classified as overhead); (ii) [reserved]; and (iii) expenses mutually agreed upon and incurred in connection with the performance by the Servicer at the request of the Owners of any activity that is not specifically required to be performed by the Servicer under this Agreement and is not reasonably ancillary to any specific requirements of the Owners under this Agreement. Except as otherwise expressly provided in this Agreement, each party shall pay its own expenses incurred in connection with the preparation of and performance under this Agreement, including its own legal fees and expenses of preparing and delivering the notices, documents, reports, accountings and any other information required of it hereunder.

2.24.3. [reserved].

2.24.4. (a) The Owners shall be solely responsible for all guaranty fees, credit enhancement fees, custodial fees (and related shipping costs), trustee fees, and costs to record assignments.

(b) Except as otherwise expressly set forth in this Agreement, the Servicer shall be solely responsible for the direct and indirect internal and administrative costs associated with its obligations as the Servicer of the Mortgage Loans hereunder, said costs to include but not be limited to: personnel, facilities; supplies; mailing and computer system expenses, regardless of whether the Servicer elects to contract with third party vendors to perform all or any portion of such internal and administrative functions.

2.24.5. Except as otherwise provided in this Section, any Litigation related solely to a single Mortgage Loan (other than Litigation between or among the Owners or any of its affiliates, on the one hand, and the Servicer and any of its affiliates, on the other hand) including foreclosure, evictions, quiet title and bankruptcy filings, shall be managed by the Servicer working with local counsel selected by and working on behalf of the Owners. The costs and expenses of such Litigation shall be deemed a Servicing Advance and be subject to reimbursement pursuant to the terms of this Agreement. The Servicer shall not manage (on behalf of the Owners or any of its affiliates other than the Servicer) any class action claim in which the Owners or any of its affiliates (other than the Servicer) is a defendant or any Litigation based upon alleged actions or omissions of the Owners unless the Owners shall elect otherwise with respect to any particular Litigation(s) and the Servicer shall in its discretion agree to manage and administer such Litigation(s) on behalf of the Owners or any of its affiliates on price and other terms acceptable to the Servicer, which shall be set forth in a separate writing between the parties. The Servicer shall cooperate in obtaining or making available information or documents respecting Mortgage Loans involved in Litigation as may be reasonably required by the Owners or its counsel. The Owners shall reimburse the Servicer for any reasonable and necessary out-of-pocket costs that the Servicer incurs in connection with any Litigation described in this Section 2.24.5 (other than Litigation between or among the Owners or its affiliates, on the one hand, and the Servicer or its affiliates, on the other hand).

2.25. Credit Reporting.

For each Mortgage Loan, Servicer shall accurately and fully furnish, in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (e.g., favorable and unfavorable) on its borrower credit files to each of the following credit repositories: Equifax Credit Information Services, Inc., Trans Union, LLC and Experian Information Solution, Inc., on a monthly basis.

2.26. Superior Liens.

If Servicer is notified that any holder of a superior lien has accelerated or intends to accelerate the obligations secured by the superior lien, or has declared or intends to declare a default under the Mortgage or the Mortgage Note secured thereby, or has filed or intends to file an election to have the Mortgaged Property sold or foreclosed, Servicer shall take, on behalf of the applicable Owner, whatever actions reasonably requested by such Owner as are necessary to protect the interests of the applicable Owner in accordance with Applicable Requirements; provided that Servicer shall obtain the prior written approval of the applicable Owner prior to a subordination or takeout of any superior lien. Servicer shall not be required to make a Servicing Advance except to the extent that the applicable Owner has provided its prior written consent and the Servicer determines in its reasonable good faith judgment that such advance would be recoverable from Liquidation Proceeds on the related Mortgage Loan and in no event in an amount that is greater than then outstanding principal balance of the related Mortgage Loan. The Servicer shall thereafter take such reasonable action as is necessary to recover the amount so advanced.

With respect to any Mortgage Loans that are second liens on the related Mortgaged Properties, the Servicer shall provide notice to the applicable first lienholder to the extent the Servicer has knowledge or is notified that a first lien mortgage loan has delinquent taxes or insurance.

2.27. MERS Membership.

If Servicer’s membership in MERS is terminated by MERS for any reason, Servicer shall, within thirty (30) days of the effective date of such termination and with the Owners’ consent, deliver to the recording office Assignments of Mortgage from MERS to the applicable Owner or its designee at Servicer’s cost and expense, without reimbursement therefor.

In connection with the assignment of any Mortgage Loan for which MERS is designated as the mortgagee of record, the Servicer agrees that it will cause, at the Seller’s expense, the MERS mortgage electronic registry system (as more particularly described in the MERS Procedures Manual) (the “MERS System”) to indicate that such Mortgage Loans have been assigned to the related Owner by including in such computer files the information required by the MERS System to identify such Owner as “investor” under the MERS System.

ARTICLE III

PAYMENTS TO OWNER

3.1. Remittances. On each Remittance Date, the Servicer shall remit by wire transfer of immediately available funds to the Owners: (a) all amounts deposited in the Custodial Account as of the close of business on the Determination Date (net of charges against or withdrawals from the Custodial Account pursuant to Section 2.5).

3.2. Statements to the Owners. Not later than the Remittance Date, the Servicer shall furnish to the Owners a monthly remittance statement, with a trial balance report attached thereto containing such information and reports reasonably acceptable to the Owners, as to the preceding remittance and the period ending on the last day of the preceding month.

Servicer shall prepare and file any and all necessary 1098 and 1099 tax reports with Mortgagors, covering the period of Servicer’s servicing of the related Mortgage Loans. In addition, Servicer shall provide the applicable Owner with such information from the Servicing Files as the applicable Owner shall reasonably request to prepare any tax returns, and any other federal, state or local tax or information returns or reports that are required to be so filed by the applicable Owner.

Upon advance notice which is reasonable given the related circumstances, the Servicer agrees to allow access, during normal business hours and in a manner so as to not interfere with its normal business operations, to knowledgeable financial, accounting and servicing officers of the Servicer for the purpose of answering questions asked by the Owners regarding recent developments affecting the Servicer or servicing practices or the financial statements of the Servicer.

The Servicer shall file information reports with respect to the receipt of mortgage interest received in a trade or business, reports of foreclosure and abandonment of any Mortgaged Property or REO Property and information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property as required by Sections 6050H, 6050J and 6050P of the Code. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by such Sections 6050H, 6050J and 6050P of the Code.

3.3. Monthly Advances by the Servicer. In no event shall the Servicer advance Delinquent monthly payments to the Owners. In no event shall the Servicer make any Servicing Advance that it deems to be a Nonrecoverable Advance unless otherwise directed by the related Owner. In addition, the Servicer shall cease making Servicing Advances with respect any Mortgage Loan or REO Property identified by such Owner in the event that the related Owner so directs the Servicer.

ARTICLE IV

GENERAL SERVICING PROCEDURES

4.1. Transfers of Mortgaged Property. The Servicer shall use commercially reasonable efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note and to deny assumption by the person to whom the Mortgaged Property has been or is about to be sold whether by absolute conveyance or by contract of sale, and whether or not the Mortgagor remains liable on the Mortgage and the Mortgage Note. When the Mortgaged Property has been conveyed by the Mortgagor, the Servicer shall, to the extent it has knowledge of such conveyance, exercise its rights to accelerate the maturity of such Mortgage Loan under the “due-on-sale” clause applicable thereto, provided, however, that the Servicer shall not exercise such rights if prohibited by law from doing so or if the exercise of such rights would impair or threaten to impair any recovery under the related PMI Policy, if any.

If the Servicer reasonably believes (a) enforcement is not in the best interest of the applicable Owner or (b) it is unable under Applicable Requirements to enforce such “due-on-sale” clause, the Servicer shall enter into (i) an assumption and modification agreement with the person to whom such property has been conveyed, pursuant to which such person becomes liable under the Mortgage Note and the original Mortgagor remains liable thereon or (ii) in the event the Servicer is unable under Applicable Requirements to require that the original Mortgagor remain liable under the Mortgage Note and the Servicer has the prior consent of the primary mortgage guaranty insurer, a substitution of liability agreement with the owner of the Mortgaged Property pursuant to which the original Mortgagor is released from liability and the owner of the Mortgaged Property is substituted as Mortgagor and becomes liable under the Mortgage Note. If an assumption fee is collected by the Servicer for entering into an assumption agreement, the fee will be retained by the Servicer as additional servicing compensation; provided that any such fee collected by the Seller for entering into an assumption or substitution of liability agreement in excess of 1% of the outstanding principal balance of the Mortgage Loan shall be deposited in the Custodial Account for the benefit of the related Owner. In connection with any such assumption, neither the Mortgage Interest Rate borne by the related Mortgage Note, the term of the Mortgage Loan, the outstanding principal amount of the Mortgage Loan nor any other materials terms shall be changed without the related Owner’s consent.

To the extent that any Mortgage Loan is assumable under the terms of the Mortgage Note, the Servicer shall inquire diligently into the credit worthiness of the proposed transferee, and shall use the underwriting criteria for approving the credit of the proposed transferee which are used with respect to underwriting mortgage loans of the same type as the Mortgage Loans. If the credit worthiness of the proposed transferee does not meet such underwriting criteria, the Servicer shall diligently, to the extent permitted by the Mortgage or the Mortgage Note and by Applicable Requirements, accelerate the maturity of the Mortgage Loan. The Servicer shall notify the related Owner of any assumption requests.

4.2. Satisfaction of Mortgages and Release of Mortgage Files. Upon the payment in full of any Mortgage Loan, or the receipt by the Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Servicer shall notify the related Owner in the monthly remittance statement as provided in Section 3.2, and may request the release of any Mortgage Loan Documents. Servicer shall cause a satisfaction of mortgage to be prepared and recorded, if required by Applicable Requirements, within the time frame so prescribed. In the event Servicer fails to do so and such failure is due to the action or inaction of the Servicer or its agent, Servicer shall be responsible for any and all penalties, fines, and damages arising out of or based upon such failure.

If Servicer satisfies or releases a Mortgage without first having obtained payment in full of the indebtedness secured by the Mortgage or should Servicer otherwise prejudice any rights any Owner may have under the mortgage instruments, Servicer shall promptly deposit into the Custodial Account the entire outstanding principal balance of the related Mortgage Loan, plus all accrued interest on such Mortgage Loan as of such satisfaction and release. The Servicer shall maintain the Fidelity Bond and Errors and Omissions Insurance Policy as provided for in Section 2.12 insuring the Servicer against losses it may sustain with respect to Mortgage Loans not satisfied in accordance with the procedures set forth herein.

4.3. Servicing Compensation. As compensation for its services hereunder, the Servicer shall be entitled to the fees specified in the Servicing Fee Schedule detailed on Exhibit D to this Agreement. Such fees shall be payable monthly by Servicer’s debit of such fees from the Custodial Account. Notwithstanding anything in this Agreement to the contrary, if the Servicer is unable to withdraw the full amount of the Servicing Fee from the Custodial Account in any month, then the outstanding amount of the Servicing Fee due to the Servicer shall be due and payable by the related Owner to the Servicer in immediately available funds and the related Owner shall pay the Servicer such outstanding amount within twenty (20) Business Days of presentation of an invoice therefor. All servicing compensation shall be payable monthly, in arrears, and all servicing compensation shall be fully earned if the Mortgage Loan is serviced for any portion of the month and shall not be prorated on a per diem basis.

Additional servicing compensation in the form of Ancillary Income shall be retained by the Servicer. Except as specifically provided for herein, the Servicer shall be required to pay all expenses incurred by it in connection with its servicing activities hereunder (other than Servicing Advances or Expenses) and shall not be entitled to reimbursement thereof.

If a Mortgage Loan transitions into a different category for purposes of the Servicing Fee during a month, the Servicing Fee will be based on the status of the Mortgage Loan at the end of such month (based on the MBA Methodology) (or the end of the prior month if the Mortgage Loan is liquidated, paid in full, or transferred out during the month). Notwithstanding anything set forth to the contrary in this Agreement, the parties hereby acknowledge and agree that, delinquency status with respect to determining the Servicer’s compensation and Servicing Fee hereunder shall be determined using the MBA Methodology.

4.4 Annual Independent Public Accountants’ Servicing Report. On or before March 31st of each year beginning March 31, 2011, the Servicer, at the expense of the Servicer without reimbursement, shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Owners to the effect that such firm has examined certain documents and records relating to the servicing of the mortgage loans similar in nature and that such firm is of the opinion that the Servicer’s management’s assertion that Servicer has complied with the minimum servicing standards identified in the Uniform Single Attestation Program for Mortgage Bankers is fairly stated for the year ended in all material respects except for exceptions as shall be set forth in such statement. By providing the Owners a copy of a Uniform Single Attestation Program Report from their independent public accountant’s on an annual basis, the Servicer shall be considered to have fulfilled any obligations under this Section 4.4.

Servicer shall deliver to the Owners, on or before March 31st, each year beginning March 31, 2011, an Officer’s Certificate, stating that (i) a review of the activities of Servicer during the preceding calendar year and of performance under this Agreement or similar agreements has been made under such officer’s supervision, and (ii) to the best of such officer’s knowledge, based on such review, Servicer has fulfilled all its obligations under this Agreement throughout such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to such officer and the nature and status thereof and the action being taken by Servicer to cure such default.

4.5 Right to Examine Servicer Records. Each Owner, or its designee, shall have the right to examine and audit any and all of the books, records, or other information of the Servicer, whether held by the Servicer or by another on its behalf, with respect to or concerning this Agreement or the Mortgage Loans, during regular advance notice which is reasonable given the related circumstances,. The related Owner shall pay all of its or its designees’ costs and expenses associated with such examination.

To the extent permitted by law, Servicer shall promptly advise the Owners of any audit, investigation or review of its servicing practices, procedures or operations by any third party agency, Person or entity as it relates to the Mortgage Loans or any Mortgage Loan and which may have an adverse affect on the Mortgage Loans, in the aggregate, or on Servicer’s ability to perform under the provisions of this Agreement. Servicer agrees to provide the Owners with a copy of any and all reports, documents, findings and other information, memoranda or correspondence relating to such audit, investigation or review as it pertains to Mortgage Loans as soon as reasonably possible but in any case within five (5) Business Days of Servicer’s receipt or generation of the same, to the extent permitted by law or the agreement under which the audit, investigation or review is performed.

The Servicer shall have an internal quality control program that shall include evaluating and monitoring the overall quality of the Servicer’s loan portfolio and the servicing activities of the Servicer. The Servicer shall conduct quality control reviews of its servicing operations in accordance with the Servicer’s servicing practices, which shall be no less than what Servicer performs for itself or its Affiliates. The Servicer shall provide to any Owner the results of such internal quality control program upon the Owners’ request.

4.6 Compliance with REMIC Provisions. If a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of the REMIC as a REMIC or (ii) result in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined Section 860(a)(2) of the Code and the tax on “contributions” to a REMIC set forth in Section 860(d) of the Code) unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such action) to the effect that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.

ARTICLE V

POSSESSION OF MORTGAGE FILES; BOOKS AND RECORDS; CUSTODIAL
AGREEMENT; DELIVERY OF DOCUMENTS; SERVICER TO COOPERATE

5.1. Provision of Information. During the term of this Agreement, the Servicer shall furnish the Owners with the reports listed on Exhibit E to this Agreement. Copies or originals of any documents contained in the Servicing File for each Mortgage Loan as well as all special reports or information not provided for herein as shall be necessary, reasonable, and appropriate with respect to the Owners or any regulatory agency and will be provided at the related Owner’s expense. All such reports, documents or information shall be provided by and in accordance with all reasonable instructions and directions which the Owners may give to the Servicer.

5.2. Financial Statements; Servicing Facility. In connection with marketing the Mortgage Loans, a Owner may make available to a prospective owner a Consolidated Statement of Operations of the Servicer for the most recently completed two fiscal years for which such a statement is available, as well as a Consolidated Statement of Condition at the end of the last two fiscal years covered by such Consolidated Statement of Operations to the extent any such statements have been prepared by or on behalf of the Servicer (and are available upon request to members or stockholders of the Servicer or to the public at large).

5.3. Possession of Mortgage Files; Maintenance of Servicing Files. The contents of each Mortgage File not delivered to the Custodian are and shall be held in trust by the Servicer for the benefit of the Owners as owner thereof. The Servicer shall maintain a Servicing File consisting of a copy of the contents of each Mortgage File and the originals of the documents in each Mortgage File not delivered to the Custodian. The Servicer shall release its custody of the contents of any Servicing File only in accordance with written instructions from the Owners, unless such release is required as incidental to the Servicer’s servicing of the Mortgage Loans. All such costs associated with the release, transfer and re-delivery to the Servicer shall be the responsibility of the Owners.

5.4. Books and Records; Transfers of Mortgage Loans. Except as otherwise provided in this Agreement, all rights arising out of the Mortgage Loans, including, but not limited to, all funds received on or in connection with the Mortgage Loans, shall be received and held by the Servicer in trust for the benefit of the Owners as owner of the Mortgage Loans, and any record title to the related Mortgages that the Servicer may have or acquire shall be for the sole purpose of facilitating the servicing and the supervision of the servicing of the Mortgage Loans.

The Servicer shall be responsible for maintaining, and shall maintain, a complete set of books and records for each Mortgage Loan which shall be marked clearly to reflect the ownership of each Mortgage Loan by the related Owner. To the extent that original documents are not required for purposes of realization of Liquidation Proceeds or Insurance Proceeds, documents maintained by the Servicer may be in the form of microfilm or microfiche or such other reliable means of recreating original documents, including but not limited to, optical imagery techniques so long as the Servicer complies with document retention requirements in accordance with Applicable Requirements.

The Servicer shall maintain with respect to each Mortgage Loan and shall make available for inspection by the Owners or its designee the related Servicing File during the time the Owners retains ownership of a Mortgage Loan and thereafter in accordance with Applicable Requirements.

The Servicer shall make available to the related Owner on occasion, at no additional cost to any Owner, access (with access to any electronic data system to be on a read-only basis) to allow the Owners to monitor or otherwise manage their respective assets on-site at the Servicer’s offices during regular business hours upon advance notice which is reasonable given the related circumstances. On a daily basis, the Servicer shall provide the related Owner with such data and reports to allow the Owners to monitor or otherwise manage their respective assets. The Servicer shall use commercially reasonable efforts to provide the related Owner continuous read-only electronic access to allow the Owners to monitor or otherwise manage their respective assets remotely. Such on-site access shall include a means for the Owners to view the status of its Mortgage Loans, a phone, printer and fax machine.

The Servicer shall keep at its servicing office, or such other location as the Servicer may designate from time to time, books and records in which, subject to such reasonable policies, procedures, rules and regulations as it may prescribe, the Servicer shall note transfers of Mortgage Loans. No transfer of a Mortgage Loan may be made unless such transfer is in compliance with the terms hereof. For the purposes of this Agreement, the Servicer shall be under no obligation to deal with any person with respect to this Agreement or the Mortgage Loans unless the books and records show such person as the owner of the Mortgage Loan. The related Owner may, subject to the terms of this Agreement, sell and transfer one or more of the Mortgage Loans. The related Owner also shall advise the Servicer of the transfer. Upon receipt of notice of the transfer, the Servicer shall xxxx its books and records to reflect the ownership of the Mortgage Loans of such assignee and, unless the Servicer agrees otherwise, the Servicer shall not be responsible for servicing the transferred Mortgage Loan.

5.5. Custodial Agreement; Delivery of Documents. The related Owner has delivered and released, or caused to be delivered and released, to the Custodian those Mortgage Loan Documents as required by Exhibit B to this Agreement with respect to each Mortgage Loan.

The Custodian has certified its receipt of all such Mortgage Loan Documents required to be delivered pursuant to the Custodial Agreement, as evidenced by the trust receipt of the Custodian in the form annexed to the Custodial Agreement. The Owners will be responsible for the fees and expenses of the Custodian.

The Servicer shall forward to the Custodian original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan entered into in accordance with Section 2.1 or 4.1 within one (1) week of their execution, provided, however, that the Servicer shall provide the Custodian with a certified true copy of any such document submitted for recordation within ten (10) days of its execution, and shall provide the original of any document submitted for recordation or a copy of such document certified by the appropriate public recording office to be a true and complete copy of the original within ten (10) days following receipt of such document from the public recording office.

From time to time, the Servicer may have a need for Mortgage Loan Documents to be released by the Custodian. If the Servicer shall require any of the Mortgage Loan Documents, the Servicer shall notify the Custodian in writing of such request. The Owners shall cause the Custodian to release such documents, to the extent available, promptly upon request. To the extent that the Servicer obtains possession of any such document which is held by the Custodian, the Servicer agrees that it will act as the custodian and bailee and trustee of such documents for the benefit of the Owners during the term of this Agreement.

ARTICLE VI

REPRESENTATIONS AND WARRANTIES

6.1. General Representations and Warranties of Servicer. The Servicer hereby represents and warrants to the Owners, as of the Effective Date:

6.1.1. Due Organization and Authority. It is a corporation duly organized, validly existing and in good standing under the laws of the state of incorporation and has all licenses necessary to carry on its business as now being conducted and is licensed, qualified and in good standing in each state where a Mortgaged Property is located if the laws of such state require licensing or qualification in order to conduct business of the type conducted by it, and in any event it is in compliance with the laws of any such state to the extent necessary to ensure the enforceability of the related Mortgage Loan and the servicing of such Mortgage Loan in accordance with the terms of this Agreement. It has the full corporate power and authority to execute and deliver this Agreement and to perform in accordance herewith. The execution, delivery and performance of this Agreement by it and the consummation of the transactions contemplated hereby have been duly authorized and approved by all necessary actions on its part. This Agreement has been duly executed and delivered by it and constitutes legal, valid and binding obligations of it, enforceable against it in accordance with its terms;

6.1.2. No Conflicts. Neither the execution and delivery of this Agreement, or the transactions contemplated hereby, nor the fulfillment of or compliance with the terms and conditions of this Agreement will conflict with or result in a breach of any of its articles of incorporation or by-laws or other governing documents or any legal restriction or, except as has been waived prior to the applicable Effective Date, any material agreement or instrument to which it is now a party or by which it is bound, or constitute a default or result in the violation of any law, rule, regulation, order, judgment or decree to which it or its property is subject;

6.1.3. No Litigation Pending. There is no action, suit, proceeding or investigation pending or to the best of its knowledge threatened against it which, either in any one instance or in the aggregate, may result in any material adverse change in the business, operations, financial condition, properties or assets of it, or in any material impairment of the right or ability of it to carry on its business substantially as now conducted, or in any material liability on the part of it, or which would draw into question the validity of this Agreement or the Mortgage Loans or of any action taken or to be contemplated herein, or which would be likely to impair materially the ability of it to perform under the terms of this Agreement;

6.1.4. No Consent Required. No consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by it of or compliance by it with this Agreement, or if required, such approval has been obtained prior to the applicable Effective Date; and

6.1.5. Ability to Perform. Servicer does not believe, nor does it have any reason or cause to believe, that it cannot perform each and every covenant contained in this Agreement;

6.1.6. No Untrue Information. Neither this Agreement nor any statement, report or other document furnished or to be furnished pursuant to this Agreement or in connection with the transactions contemplated hereby contains any untrue statement of material fact or omits to state a material fact necessary to make the statements contained therein not misleading; and

6.1.7. MERS. Servicer is a member of MERS in good standing.

6.2. Section 6.02. Remedies for Breach of Representations, Warranties and Covenants of Servicer.

It is understood and agreed that the representations and warranties set forth in Section 6.1 shall survive the engagement of Servicer to perform the servicing responsibilities as of the Effective Date hereunder and shall inure to the benefit of Owners. Upon discovery by either Servicer or the applicable Owner of a breach of any of the foregoing representations and warranties set forth in Section 6.1 which materially and adversely affects the ability of Servicer to perform its duties and obligations under this Agreement or otherwise materially and adversely affects the value of the Mortgage Loans, the Party discovering such breach shall give prompt written notice to the other.

Within sixty (60) days of the earlier of either discovery by or notice to Servicer of any breach of a representation or warranty set forth in Section 6.1 which materially and adversely affects the ability of Servicer to perform its duties and obligations under this Agreement or otherwise materially and adversely affects the value of the Mortgage Loans, the Mortgaged Properties or the priority of the security interest on such Mortgage Loans or Mortgaged Properties, Servicer shall cure such breach in all material respects. If such breach cannot be cured, such failure to cure shall be considered an Event of Default, and the related Owner may terminate this Agreement pursuant to Section 10.2. The Servicer shall pay all Servicing Transfer Costs in connection therewith and no Owner shall be liable for any Termination Fee or any other deboarding fee in connection therewith.

Any cause of action against Servicer arising out of or based upon the breach of any representations and warranties made in Section 6.1 shall accrue upon (i) discovery of such breach by Servicer or notice thereof by an Owner to Servicer, (ii) failure by Servicer to cure such breach within the applicable cure period, and (iii) demand upon Servicer by an Owner for compliance with this Agreement.

6.3. General Representations and Warranties of Owners. Each Owner hereby represents and warrants to the Servicer that as of the Effective Date:

6.3.1. Due Organization and Authority. It is a limited partnership duly organized, validly existing and in good standing under the laws of the state of incorporation and has all licenses necessary to operate its business. It has the full corporate power and authority to execute and deliver this Agreement and to perform in accordance herewith. The execution, delivery and performance of this Agreement by it and the consummation of the transactions contemplated hereby have been duly authorized and approved by all necessary actions on its part. This Agreement has been duly executed and delivered by it and constitutes legal, valid and binding obligations of it, enforceable against it in accordance with its terms;

6.3.2. No Conflicts. Neither the execution and delivery of this Agreement, or the transactions contemplated hereby, nor the fulfillment of or compliance with the terms and conditions of this Agreement will conflict with or result in a breach of any of its articles of incorporation or by-laws or other governing documents or any legal restriction or, except as has been waived prior to the applicable Effective Date, any material agreement or instrument to which it is now a party or by which it is bound, or constitute a default or result in the violation of any law, rule, regulation, order, judgment or decree to which it or its property is subject;

6.3.3. No Litigation Pending. There is no action, suit, proceeding or investigation pending or to the best of its knowledge threatened against it which, either in any one instance or in the aggregate, may result in any material adverse change in the business, operations, financial condition, properties or assets of it, or in any material impairment of the right or ability of it to carry on its business substantially as now conducted, or in any material liability on the part of it, or which would draw into question the validity of this Agreement or the Mortgage Loans or of any action taken or to be contemplated herein, or which would be likely to impair materially the ability of it to perform under the terms of this Agreement; and

6.3.4. No Consent Required. No consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by it of or compliance by it with this Agreement, or if required, such approval has been obtained prior to the applicable Effective Date.

ARTICLE VII

THE SERVICER

7.1. Indemnification; Third Party Claims.

7.1.1. The Servicer shall indemnify the Owners, its affiliates and their respective officers, directors, employees and agents (collectively, “Owner Indemnitees”) and hold each of the Owner Indemnitees harmless from and against any and all third party claims and Damages that the Owners and the Owner Indemnitees may sustain to the extent resulting from or related to (i) a breach of Servicer’s representations, warranties and covenants set forth in this Agreement, (ii) the failure of Servicer to perform its duties and service the Mortgage Loans in compliance with the terms of this Agreement or (iii) any negligent, reckless or wrongfully intended action or omission of the Servicer. The related Owner shall promptly notify the Servicer of any claim covered hereby; provided, however, that the Servicer shall not be relieved of its indemnification obligations hereunder due to the related Owner’s failure to give such notice except to the extent the Servicer has been prejudiced thereby. In connection with the Servicer’s indemnification obligations hereunder, the Servicer may assume (with the prior written consent of the Owners and with counsel reasonably satisfactory to the Owners) the defense of any such claim and pay all reasonable expenses in connection therewith, including reasonable counsel fees, and promptly pay, discharge and satisfy any final judgment or decree which may be entered against the Owners or any other Owner Indemnitees in respect of such claim. The related Owner promptly shall reimburse the Servicer for all amounts advanced by it pursuant to the preceding sentence except to the extent that such claim results from or arises out of the Servicer’s indemnification pursuant to this Section 7.1.1, the failure of the Servicer to service and administer the Mortgage Loans or REO Properties in strict compliance with the terms of this Agreement, or the negligence, bad faith or willful misconduct of the Servicer. The Servicer agrees that it will not enter into any settlement of any such claim without the consent of the Owners (which consent shall be in the sole and absolute discretion the Owners) and such other Owner Indemnitees.

7.1.2. The related Owner shall indemnify, defend and hold Servicer, its Affiliates and each of their respective officer, directors, members, managers, employees, agents, and representatives (collectively, the “Servicer Indemnitees”) harmless from any and all third-party claims and Damages incurred by or asserted against any of such individuals or entities arising out of or based upon (i) any breach of any representation, warranty or covenant made by such Owner in this Agreement or (ii) the Servicer’s compliance with the written instructions of the Owner to the extent such instructions are not in compliance with Applicable Requirements.

7.1.3. The provisions of this Section 7.1 shall survive termination of this Agreement.

7.2. Merger or Consolidation of the Servicer. The Servicer shall keep in full effect its existence, rights and franchises as a corporation, and shall obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement or any of the Mortgage Loans and to perform its duties under this Agreement.

Any person into which the Servicer may be merged or consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Servicer shall be a party, or any Person succeeding to the business of the Servicer, shall be the successor of the Servicer hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. Furthermore, subject to Article IX, in the event the Servicer transfers or otherwise disposes of all or substantially all of its assets to an affiliate of the Servicer, such affiliate shall satisfy the condition above, and shall also be fully liable to the Owners for all of the Servicer’s obligations and liabilities hereunder.

7.3. Limitation on Liability of the Servicer and Others.

(a) Neither the Servicer nor any of the directors, officers, employees or agents of the Servicer shall be under any liability to the Owners for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment, provided, however, that this provision shall not protect the Servicer or any such Person against any breach of warranties or representations made herein, or failure to comply with the obligations of the Servicer under this Agreement. The Servicer and any director, officer, employee or agent of the Servicer may rely in good faith on (a) each Owner’s written instructions that conflict with any terms of this Agreement and (b) any servicing document prima facie properly executed and submitted by an Owner respecting any matters arising hereunder.

(b) EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, NEITHER PARTY MAKES ANY OTHER WARRANTY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

(c) IN NO EVENT SHALL EITHER PARTY BE LIABLE TO THE OTHER PARTY FOR INCIDENTAL, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, REGARDLESS OF THE FORM OF THE CAUSE OF ACTION, WHETHER IN CONTRACT, STATUTE, TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE, EVEN IF THE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7.4. Limitation on Assignment by the Servicer. The Owners have entered into this Agreement with the Servicer and subsequent owners will purchase the Mortgage Loans in reliance upon the independent status of the Servicer, and the representations as to the adequacy of its servicing facilities, personnel, records and procedures, its integrity, reputation and financial standing, and the continuance thereof. Therefore, the Servicer shall neither assign this Agreement nor the servicing responsibilities hereunder nor delegate its rights or duties hereunder or any portion hereof other than to a third party service provider or sell or otherwise dispose of all or substantially all of its property or assets without the prior written consent of the Owners.

ARTICLE VIII

REMOVAL OF MORTGAGE LOANS FROM AGREEMENT

8.1. Removal of Mortgage Loans from Inclusion Under this Agreement. The Owners and the Servicer agree that with respect to some or all of the Mortgage Loans, the related Owner, at its sole option, may effect Whole Loan Transfers or Pass-Through Transfers. Subject to the Servicer’s consent and at fees acceptable to the Servicer, which shall be reflected and set forth in a term sheet (“Term Sheet”) between the parties, the related Owner may retain the Servicer as the servicer of such transferred Mortgage Loans or subservicer if a master servicer is employed, or as applicable, the “seller/servicer.” On the date of such Whole Loan Transfers or Pass-Through Transfers, the Mortgage Loans transferred shall cease to be covered by this Agreement.

ARTICLE IX

DEFAULT

9.1. Events of Default. Each of the following shall constitute an Event of Default if any of the following events exist on the part of Servicer:

(a) any failure by the Servicer to remit to the Owners any payment required to be made under the terms of this Agreement, which continues unremedied for a period of two (2) Business Days after the date upon which written notice of such failure, requiring the same to be remedied, shall have been given to Servicer by the Owners; or

(b) failure by Servicer to observe or perform any other of the material covenants or agreements on the part of Servicer set forth in this Agreement, which continues unremedied for a period of thirty (30) days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer; or

(c) a decree or order of a court or agency or supervisory authority having jurisdiction for the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, including bankruptcy, marshaling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of thirty (30) days; or

(d) Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceedings of or relating to Servicer or of or relating to all or substantially all of its property; or

(e) Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency, bankruptcy or reorganization statute, make an assignment for the benefit of its creditors, voluntarily suspend payment of its obligations or cease its normal business operations for three (3) Business Days; or

(f) failure by the Servicer to maintain the material licenses to do business or service residential mortgage loans in any jurisdiction where the Mortgaged Property is located, but only to the extent such non-qualification materially and adversely affects the Servicer’s ability to perform its obligations hereunder and such failure continues unremedied for a period of sixty (60) days after the date upon which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer; provided, that if the Servicer shall have promptly commenced and been diligently pursuing a cure; or remedy for such breach, but the breach shall have remained uncured after expiration of the sixty (60) day period, the Owners may, in their sole discretion, extend such sixty (60) day period for a reasonable period of time to allow for cure or remedy of the breach, but in no event shall such failure continue unremedied for a period of more than ninety (90) days after the date upon which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer; or

(g) the net worth of Servicer shall be less than $2,500,000; or

(h) any representation or warranty made by the Servicer shall prove to be untrue or incomplete in any material respect and continues unremedied pursuant to Section 6.2 for a period of sixty (60) days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by the related Owner; or

(i) the Servicer’s membership in MERS is terminated by MERS for any reason; or

(j) except in accordance with this Agreement, Servicer either shall assign this Agreement or the servicing responsibilities hereunder or delegate its rights or duties hereunder or any portion hereof (to a party other than a third party service provider) or sell or otherwise dispose of all or substantially all of its property or assets; or

(k) failure by the Servicer to duly perform, within the required time period, its obligations under Section 4.4 which failure continues unremedied for a period of ten (10) days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by an Owner; or

(l) Fitch, Xxxxx’x and S&P or their successors lowers the Servicer’s servicer ranking by one (1) full category anytime after the date of this Agreement; or

(m) any governmental authority or any Person, agency or entity acting or purporting to act under governmental authority shall have taken any action to condemn, seize or appropriate, or to assume custody or control of, all or any substantial part of the property or assets of Servicer or any of Servicer’s affiliates, or shall have taken any action to displace the management of Servicer or any of Servicer’s affiliates or to curtail its authority in the conduct of the business of Servicer or any of Servicer’s affiliates, or takes any action in the nature of enforcement to remove, limit or restrict the approval of Servicer or any of Servicer’s affiliates as an issuer, buyer or a servicer of Mortgage Loans or securities backed thereby; or

(n) a Change in Control of the Servicer or a material change in the management of the Servicer shall have occurred which has not been approved (which approval shall not be unreasonably withheld) by the Owners;

(o) the Owners shall have reasonably determined, in good faith, that a Material Adverse Effect shall have occurred; or

(p) the Servicer’s audited annual financial statements or the notes thereto or other opinions or conclusions stated therein shall be qualified or limited by reference to the status of the Servicer as a “going concern” or a reference of similar import or shall indicate that the Servicer has a negative net worth or is insolvent; or

(q) the Servicer fails to continue to have the independent status or servicing facilities, plant, systems, records, procedures, integrity, reputation or financial standing generally acceptable to lending institutions that it had on the Effective Date; or

(r) the Servicer’s disaster recovery plan fails to meet the standards set forth in Section 11.11.

9.2. Waiver of Defaults. By a written notice, the Owners may waive any default by the Servicer in the performance of its obligations hereunder and its consequences. Upon any waiver of a past default, such default shall cease to exist, and any Event of Default arising therefrom shall be deemed to have been remedied for every purpose of this Agreement. No such waiver shall extend to any subsequent or other default or impair any right consequent thereon except to the extent expressly so waived.

ARTICLE X

TERMINATION

10.1. Termination. This Agreement shall terminate upon the earliest of: (i) the later of (a) the distribution of the final payment or liquidation proceeds on the last Mortgage Loan to Owners, and (b) the disposition of all REO Property acquired upon foreclosure of the last Mortgage Loan and the remittance of all funds due hereunder; (ii) mutual consent of the Servicer and the Owners in writing; or (iii) termination of this Agreement pursuant to Section 10.2 or Section 10.3. The termination of this Agreement pursuant to this Article X shall not release either party from liability for its own misrepresentation or for any breach by it of any covenant, agreement or warranty herein prior to such termination.

10.2. Termination With Cause. So long as an Event of Default shall have occurred and shall not have been remedied, the Owners, by notice in writing to the Servicer, may, in addition to whatever rights such party may have at law or equity to damages, including injunctive relief and specific performance, terminate this Agreement. Upon receipt by Servicer of such written notice, all authority and power of Servicer under this Agreement, whether with respect to the Mortgage Loans or otherwise, shall pass to and be vested in a successor servicer appointed by the Owners. Servicer shall prepare, execute and deliver to the successor servicer designated by the related Owner, any and all documents and other instruments reasonably necessary, place in such successor’s possession all Servicing Files, and, in a timely manner, do or cause to be done all other acts or things necessary and appropriate to effect the purposes of such notice of termination, including, but not limited to, the transfer and endorsement or assignment of the Mortgage Loans and related documents to the successor servicer, at the Servicer’s sole expense. Servicer shall, in a timely manner, reasonably cooperate with the related Owner and such successor in effecting the termination of the servicing responsibilities hereunder, including without limitation, the transfer to such successor for administration by it of all cash amounts which shall at the time be credited by Servicer to the Custodial Account or Escrow Account or thereafter received with respect to the Mortgage Loans and to provide supporting documentation for all advances if requested by the related Owner. In the event that the Servicer is terminated as a result of an Event of Default, the Servicer shall not be entitled to any Termination Fee or any other deboarding fee with respect to each related Mortgage Loan and Servicer will be responsible for all Servicing Transfer Costs.

10.3. Termination Without Cause. The Owners may terminate the Servicer’s right to service one or more Mortgage Loans under this Agreement, as provided in this Section 10.3 upon ninety (90) calendar days prior written notice. The Servicer may terminate this Agreement, as provided in this Section 10.3 upon ninety (90) calendar days prior written notice. Any such notice of termination shall be in writing and delivered to the non-terminating party by registered mail as provided in Section 11.6. In the event that the Servicer is terminated pursuant to this Section 10.3, the related Owner shall pay the Servicer an amount equal to (1) the costs and expenses of Servicer to transfer the servicing rights and obligations with respect to such Mortgage Loans, (2) all outstanding Servicing Advances, Expenses, Servicing Fees and (3) as liquidated damages, the Termination Fee with respect to each such Mortgage Loan. Notwithstanding the foregoing, with respect to the Removed Mortgage Loans, VCM may terminate the Servicer’s right to service such Removed Mortgage Loans and VCM shall have no obligation to pay to the Servicer a Termination Fee for the removal of such Removed Mortgage Loans.

ARTICLE XI

MISCELLANEOUS PROVISIONS

11.1. Successor to the Servicer. Upon effectiveness of termination of the Servicer’s servicing of any Mortgage Loans under this Agreement pursuant to Section 10.1, the Owners or its successors shall (i) appoint a successor to assume all of the responsibilities, duties and liabilities of the Servicer under this Agreement or (ii) if no such appointment has been made, automatically and immediately succeed to and assume all of the Servicer’s responsibilities, duties and obligations under this Agreement. Prior to the transfer of servicing with respect to any Mortgage Loan hereunder, the Servicer shall be reimbursed by the Owner or the successor servicer for any undisputed and unpaid Servicing Fees, Expenses and Servicing Advances with respect to such Mortgage Loan. In the event that Servicer’s duties, responsibilities and liabilities under this Agreement should be terminated pursuant to the aforementioned Section, Servicer shall discharge such duties and responsibilities during the period from the date it acquires knowledge of such termination until the effective date thereof with the same degree of diligence and prudence which it is obligated to exercise under this Agreement. The resignation or removal of Servicer pursuant to the aforementioned Sections shall not become effective until a successor shall be appointed pursuant to this Section 11.1 and shall in no event relieve Servicer of the representations, warranties and covenants made pursuant to Section 6.1 and the remedies available to any Owner under Section 6.2, it being understood and agreed that the provisions of such Sections 6.1 and 6.2 shall be applicable to Servicer notwithstanding any such resignation or termination of Servicer, or the termination of this Agreement.

Within thirty (30) days of the appointment of a successor entity by the related Owner, Servicer shall prepare, execute and deliver to the successor entity any and all documents and other instruments reasonably necessary, place in such successor’s possession all Servicing Files, and, in a timely manner, do or cause to be done all other acts or things necessary and appropriate to effect the purposes of such notice of termination, including, but not limited to, the transfer of the funds in the Custodial Account and Escrow Account and the transfer of the Servicing Files and related documents, at the related Owner’s, expense if Servicer is terminated without cause, or otherwise at Servicer’s expense. Servicer shall, in a timely manner, reasonably cooperate with the related Owner and such successor in effecting the termination of Servicer’s responsibilities hereunder and the transfer of servicing responsibilities to the successor servicer, including, without limitation, the transfer to such successor for administration by it of all cash amounts which shall at the time be credited by Servicer to the Custodial Account or Escrow Account or thereafter received with respect to the Mortgage Loans.

Any termination or resignation by a party or termination of this Agreement pursuant to Section 10.1 shall not affect any claims that the other party may have against such party arising out of such party’s actions or failure to act prior to any such termination or resignation.

Upon a successor’s acceptance of appointment as such, the Owners shall notify by mail the Servicer of such appointment in accordance with Section 11.6.

11.2. Reserved.

11.3. Amendment; Extension Not a Waiver. This Agreement sets forth the entire agreement between the parties with respect to the subject matter hereof and supersedes any and all prior or contemporaneous agreements or understandings, written, oral or otherwise with respect to the subject matter hereof. This Agreement may be amended from time to time by, and only by, a writing signed by the Servicer and the Owners.

No delay or omission in the exercise of any power, remedy or right herein provided or otherwise available to any party hereto will impair or affect the right of such party thereafter to exercise the same. Any extension of time or other indulgence granted to any party hereunder will not otherwise alter or affect any power, remedy or right of any other party hereto, or the obligations of the party to whom such extension or indulgence is granted.

11.4. Governing Law; Venue. This Agreement shall be construed in accordance with the laws of the State of New York applicable to agreements made and fully performed within the State of New York without giving effect to the conflict of laws principles thereof (except for Section 5-1401 of the New York General Obligations Law) and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

Any action or other legal proceeding brought under this Agreement will be subject to the exclusive jurisdiction of the United States District Court for the Southern District of New York in New York County, New York or the United States District Court for the Eastern District of New York in Kings County, New York and in the absence of federal jurisdiction, the jurisdiction of any state court of general jurisdiction sitting in New York County, New York or Kings County, New York. Each of the Owner and the Servicer consents to such jurisdiction for actions or legal proceedings brought by either party and waives any objection which it may have to the laying of the venue of such suit, action or proceeding in any of such courts.

11.5. Duration of Agreement. This Agreement shall continue in existence and effect until terminated as herein provided. This Agreement shall continue notwithstanding transfers of the Mortgage Loans by the Owners.

11.6. Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if (i) personally delivered to the appropriate Party hereto, (ii) mailed, by registered or certified mail, return receipt requested, to the appropriate Party hereto at the address below, or (iii) transmitted by facsimile transmission or by electronic mail with acknowledgment, to the appropriate Party hereto at the facsimile number or the electronic mail address provided below:

(a)

if to the Servicer:

Franklin Credit Management Corporation
000 Xxxxxx Xxxxxx
Xxxxxx Xxxx, XX 00000
Attn: Chief Operating Officer

With a copy to:

Franklin Credit Management Corporation
000 Xxxxxx Xxxxxx
Xxxxxx Xxxx, XX 00000
Attn: General Counsel

or such other address as may hereafter be furnished to the Owners in writing by the Servicer;

(ii)

if to VCM:

Vantium Capital Markets LP
000 0xx Xxxxxx, 0xx Xxxxx, Xxx Xxxx, XX 00000
Attn: Xxxx Xxxxx
Telephone: (000) 000-0000

With a copy to:

Vantium Capital, Inc.
0000 Xxxx Xxxxxx Xx., Xxxxx 000
Xxxxxx, Xxxxx 00000
Attention: Xxx Xxxxxxxx
Telephone: (000) 000-0000

(iii)

if to VCMR:

Vantium Capital Markets LP
000 0xx Xxxxxx, 0xx Xxxxx, Xxx Xxxx, XX 00000
Attn: Xxxx Xxxxx
Telephone: (000) 000-0000

With a copy to:

Acqura Loan Services, a Vantium Capital, Inc. Company
0000 Xxxxxxxxxxxxx Xxxxxxx, Xxxxx 0000
Xxxxx, XX 00000
Attention: Xxx Xxxxxxxx
Telephone: (000) 000-0000

or such other address as may hereafter be furnished to the Servicer in writing by the Owners;

11.7. Severability of Provisions. If any provision of this Agreement is found to be unenforceable by a court of competent jurisdiction, such unenforceable provision shall not affect the other provisions, but such court shall have the authority to modify such unenforceable provision to the extent necessary to render it enforceable, preserving to the fullest extent permissible the intent of the parties.

11.8. Relationship of Parties. The parties are entering into, and shall perform, this Agreement as independent contractors. Nothing in this Agreement shall be construed to make either party the agent of the other for any purpose whatsoever, to authorize either party to enter into any contract or assume any obligation on behalf of the other or to establish a partnership, franchise or joint venture between the parties.

11.9. Execution; Successors and Assigns. This Agreement may be executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original; such counterparts, together, shall constitute one and the same agreement. Subject to Section 7.4, this Agreement shall inure to the benefit of and be binding upon the Servicer and the Owners and their respective successors and assigns. The Parties agree that this Agreement, any documents to be delivered pursuant to this Agreement and any notices hereunder may be transmitted between them by email and/or by facsimile. The Parties intend that faxed signatures and electronically imaged signatures such as .pdf files shall constitute original signatures and are binding on all Parties. The original documents shall be promptly delivered, if requested.

11.10. Assignment by the Owners. This Agreement shall bind and inure to the benefit of and be enforceable by Servicer and any Owner and the respective permitted successors and permitted assigns of Servicer and the related Owner. This Agreement shall not be assigned, pledged or hypothecated by Servicer to a third party without the prior written consent of the related Owner. Any Owner shall have the right, in its sole discretion, to assign its interest under this Agreement with respect to some or all of the Loans to any affiliate managed by the related Owner’s or Owner’s subsidiaries.

11.11. Disaster Recovery. The Servicer shall, at its own expense, maintain a disaster recovery plan in support of the processing and related functions it performs for the Owners under this Agreement that provides for disaster recovery and the resumption of business in the event that a disaster disrupts or impairs its provision of servicing pursuant to this Agreement. The Servicer’s disaster recovery plan shall include, at a minimum, procedures for back-up/restoration of operating and application software, procedures for the protection of Owners’ source documentation; procedures and third-party agreements for replacement equipment (e.g. computer equipment), and procedures and third-party agreements for off-site production facilities. The Servicer agrees to release the information necessary to the related Owner and will have a summary of its disaster recovery plan available for the related Owner to review upon request. The Servicer agrees to annually test its disaster recovery plan, shall promptly take corrective action as necessary to comply with this Section 11.17 and, upon request, provide a written report thereof to the related Owner. If the results of the related Owner’s review of Servicer’s disaster recovery plan are unsatisfactory to the Owners (in the reasonable and good faith determination of the Owners) and the plan does not meet standards generally acceptable to mortgage lending institutions, the Owners may immediately terminate this Agreement and all costs and expenses to transfer the servicing shall be paid by the Servicer upon presentation of reasonable documentation of such costs. The Servicer shall notify the Owners promptly of any material change to Servicer’s disaster recovery plan.

11.12. Force Majeure. A party will not be liable to the other party for delays or failures in performance of its obligations under this Agreement arising out of or based upon acts of God, strikes, riots, acts of war, terrorism, earthquakes, and other events beyond its reasonable control (each, a “Force Majeure Event”). A party excused from performance pursuant to this Section shall exercise reasonable efforts to continue to perform its obligations hereunder and shall thereafter continue with reasonable due diligence and good faith to remedy its inability to so perform, except that nothing herein shall obligate either party to settle a strike or labor dispute when it does not wish to do so. Notwithstanding the foregoing, the Owner may, without the payment of a Termination Fee, terminate this Agreement by notice in writing if a Force Majeure Event preventing the Servicer’s performance continues for more than five (5) Business Days. Subject to a party’s obligations in this Section, the consequences arising from the existence and continuation of a Force Majeure Event shall be deemed not to constitute a breach by either party of any representation, warranty, covenant, agreement or obligation in this Agreement.

[Intentionally Blank - Next Page Signature Page]

IN WITNESS WHEREOF, the Servicer and the Owners have caused their names to be signed hereto by their respective officers thereunto duly authorized as of the day and year first above written.


FRANKLIN CREDIT MANAGEMENT CORPORATION

By:	/s/ Xxxxx Xxx

	Name:	Xxxxx Xxx
	Title:	Executive Vice President
		Managing Director
		of Servicing and Recovery

VANTIUM CAPITAL MARKETS, L.P.,

By:	VANTIUM MANAGEMENT, L.P., its Manager

By:	/s/ Xxxx Xxxxxxxx

	Name:	Xxxx Xxxxxxxx
	Title:	Managing Director

VANTIUM REO CAPITAL MARKETS, L.P.,

By:	VANTIUM MANAGEMENT, L.P., its Manager

By:	/s/ Xxxx Xxxxxxxx

	Name:	Xxxx Xxxxxxxx
	Title:	Managing Director

EXHIBIT A

MORTGAGE LOAN SCHEDULE

Exhibit A-1


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	XXXXXXXX XXXXXXX	XX		00000
***	***	XXXX XXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	Xxxx Xxxxxx	XX		00000
***	***	XXXX XXXXXXX	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	XXXX XXXXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxxxxx	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000

Exhibit A-2


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx	XX		0000
***	***	Xxxxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxx	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXX XXXXXXXX	XX		0000
***	***	XXXXX XXXX	XX		00000
***	***	XXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXX	XX		0000
***	***	XXXX XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxx Xxxxxxxx	XX		00000
***	***	Xxxxxx Xxx Xxxxxx	XX		0000
***	***	Xxxxx	XX		00000
***	***	Xxxxxxxxxx Xxxxxxxx	XX		0000
***	***	Xxxxxx Xxxx	XX		0000
***	***	Xxxx xx Xxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxx Xxxx	XX		00000
***	***	Xxxxxxx Xxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxx Xxxxxxxx	XX		0000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx xx Xxxxxxx	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXX XXXX X	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXXXXXXXXX	XX		00000
***	***	XXXX XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxx	XX		00000

Exhibit A-3


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Xxxxxxxxx	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXX XXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	Xxxx	XX		00000
***	***	Xxx Xxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxxx Xxxxx	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	Xxx Xxxxxxx Xxxxxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXX	XX		00000
***	***	Xxxxxxx	XX		0000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXX xx Xxxxxxxxxxx	XX		00000
***	***	Xxxxx Xxxxx	XX		00000
***	***	Xxxxx Xxxxxxxxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	Xxxx Xxxxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxx Xxxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxx Xxxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx Xxxxxxxx	XX		0000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxx Xxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx Xxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx Xxxxxx	XX		0000
***	***	Xxxx Xxxxx	XX		00000
***	***	Xxxxxx Xxxx	XX		0000
***	***	Xxxx xx Xxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxx xx Xxxxxxxxxxxx	XX		0000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Montville	NJ		7045

Exhibit A-4


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Xxxxxxxxxxx	XX		00000
***	***	Xxxxx Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Tenafly	NJ		7670
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxx Xxxxxx	XX		00000
***	***	Xxxxxxxx Xxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxx Xxxxx Xxxxxxx	XX		0000
***	***	Xxxxxxxx	XX		00000
***	***	Xxx Xxxxx	XX		00000
***	***	Xxxxx Xxxxx	XX		0000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXX XXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXX XXXXXXX	XX		0000
***	***	XXXXXXX XXXX	XX		0000
***	***	XXXX	XX		00000
***	***	XXX XXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXX XXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXX XX XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXX XXX XXXXX XXXXX	XX		0000
***	***	XXXXXXXX XX XXXXXXXXXXXX	XX		00000
***	***	XXXX XXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	XXXX XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXX XXXX XXXXX	XX		00000
***	***	XXXX XX XXXXXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX XXXXXXXX	XX		0000
***	***	XXXX XX XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	DORCHESTER	MA		2124
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000

Exhibit A-5


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	BRIDGEPORT	CT		6610
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX XXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXX XXXX XXXXXX	XX		00000
***	***	EWING	NJ		8638
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX XXXX	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXX XXXXXXXX	XX		00000
***	***	XXXXX XXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxx Xxxx	XX		00000
***	***	Xxxxxxx	XX		0000
***	***	Xxxxxx	XX		00000
***	***	Xxxxx Xxxx	XX		0000
***	***	XXXXXXXX XX XXXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxx Xxxxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	Xxx Xxxxxxx	XX		0000
***	***	Xxxx xx Xxxxxxxx	XX		00000
***	***	Xxxxxxxxxx	XX		0000
***	***	XXXXXXX XX XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000

Exhibit A-6


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Xxxxxx Xxxx	XX		0000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxx Xxx	XX		00000
***	***	Xxxx Xxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxx xx Xxxxxxxxx	XX		00000
***	***	Xxxxxx	XX		0000
***	***	Xxxxxxx xx Xxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxx Xxxxx	XX		00000
***	***	Dover	NJ		7801
***	***	Xxx Xxxxxxx	XX		0000
***	***	Xxxxxxxxxx	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxx Xxxxxx	XX		00000
***	***	Xxxxx Xxxxx Xxxx	XX		00000
***	***	Xxxxx Xxxxxxxxx	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX XXXX XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXX XX XXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXX XXXXXXXX	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	DORCHESTER	MA		2124
***	***	XXXXXXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXX XX XXXXXX	XX		00000
***	***	XXXX XXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXX XXXXX	XX		0000
***	***	XXXX XXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXX XXXXXX XXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXXXXXX XXXXXXX	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	TOMS RIVER	NJ		8753

Exhibit A-7


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	Xxxxx Xxxx	XX		00000
***	***	XXXXXX	XX		00000
***	***	XX XXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxxxx Xxxx	XX		00000
***	***	Danvers	MA		1923
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxx Xxxxx	XX		00000
***	***	Xxxxxxxxxx Xxxx	XX		00000
***	***	Xxx Xxxxxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxxxxx	XX		00000
***	***	Xxxxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXXXX XXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxx Xxxxxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	Xxxxx Xxxxxx	XX		00000
***	***	XXXXXX	XX		00000
***	***	WABASH	IN		46992
***	***	XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxx Xxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000

Exhibit A-8


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXX XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	Xxxxxx Xxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxx Xxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	Xxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xx Xxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx Xxxxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxx Xxxxx	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX XXXXXXXX	XX		00000
***	***	Xxxx Xxxx Xxxxx	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx Xxx Xxxxxx	XX		0000
***	***	Xxxxxx	XX		00000
***	***	Xxxx Xxxxx	XX		00000
***	***	Xxxx Xxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxxxx	XX		0000
***	***	Xxxxxx Xxxxxxx	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXX XXXXXX	XX		00000
***	***	COVENTRY	RI		2816
***	***	XXXX XXXXXX	XX		00000
***	***	GORHAM	ME		4038
***	***	XXXX XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXX	XX		00000

Exhibit A-9


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXX XXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXX XXXXXXXXXX	XX		00000
***	***	WOODRIDGE	NJ		0000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XX XXXXXXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		00000
***	***	XXXXX XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXX XXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXX XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		0000
***	***	XXXX XXXXX XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	HAVERHILL	MA		1832
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX XXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX XXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XXXX XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	ORANGE	NJ		7050

Exhibit A-10


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXX XXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	JOPPA	MD		21085
***	***	XX.XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxx Xxxx Xxxxx	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxxx Xxxxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxx	XX		0000
***	***	Xxxxxxxxxx	XX		0000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxx xx Xxxx Xxxxxxx	XX		00000
***	***	Xxxxxx Xxxxxx	XX		00000
***	***	Xxxxxxx xx Xxxxxxxx	XX		0000
***	***	Xxxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxxxxx Xxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxx Xxxx	XX		0000
***	***	Xxxxxxxx Xxxxxxx	XX		00000
***	***	Xxx Xxxxxx	XX		0000
***	***	Xxxxxxxx	XX		00000
***	***	Hazlet	NJ		7730
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxx Xxxxxx Xxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	New Haven	CT		6511
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	Xxxxx Xxxxxxxxxx	XX		00000
***	***	Xxxxxxx xx Xxxxxxxx	XX		00000
***	***	Xxxx Xxxxx	XX		0000
***	***	Xxxxxxx xx Xxxxxxxx	XX		0000
***	***	Xxxxxxxxx Xxxxxx	XX		00000
***	***	Xxx Xxxx	XX		00000
***	***	Xxxx xx Xxxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xx Xxxxxxxx Xxxxxxxx	XX		00000
***	***	Xxxx Xxxxxxx	XX		0000

Exhibit A-11


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxxxxx Xxxx	XX		00000
***	***	Xxxxxx	XX		0000
***	***	Xxxxxxx	XX		00000
***	***	New Britain	CT		6051
***	***	Xxxx Xxxxxxxxxx	XX		00000
***	***	Xxxx Xxxxx	XX		00000
***	***	Xxxxxxxxx	XX		0000
***	***	Xxxxxx Xxxxxxxx	XX		0000
***	***	Xxxxxxxx Xxxxxxxx	XX		0000
***	***	Xxxxxx Xxxxxxx	XX		00000
***	***	Xxxx Xxxxx	XX		0000
***	***	Xxxxxx	XX		0000
***	***	Xxxxx Xxxxxx	XX		0000
***	***	Xxxxxx Xxxxxx	XX		00000
***	***	Xxxxx Xxxxx Xxxxxxx	XX		0000
***	***	Xxxxxx Xxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		00000
***	***	Xxx Xxxxxxx	XX		00000
***	***	XXXXX XXXXXXXX	XX		0000
***	***	XXXX XX XXXXXXXXX	XX		0000
***	***	XXXXXX XXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		0000
***	***	XXX XX XXXXXXX XXXXXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXX XXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX XXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XX XXXXXXXXXX	XX		0000
***	***	XXXX XXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	ELIZABETH	NJ		7202
***	***	XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXXXXX	XX		00000
***	***	XXXXX XXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXX XXXXXXXXXX	XX		0000
***	***	XXXXXXXX XX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	ANSONIA	CT		6401
***	***	WANAQUE	NJ		7465
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXX	XX		0000
***	***	XXX XXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000

Exhibit A-12


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXX XX XXXXXXX XXXXX	XX		0000
***	***	XXXXXXXXX XXXXXX	XX		00000
***	***	XXXXXXX XX XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXX XX XXXXXXXX	XX		0000
***	***	XXX XXXX XXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXX XX XXXXXXXXXXX	XX		0000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XXXXXXXX, XXXX XX XX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXXX XXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX XX XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXX XX XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXX XX XXXXXXXXX	XX		00000
***	***	XXXXXXXX XX XXXX XXXXXXX	XX		0000
***	***	XXXXXXXX XX XXXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	ABSECON	NJ		8205
***	***	XXXXXX XXXXXX XXX XXXXXX	XX		0000
***	***	XXXX XX XXXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXX XX XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXXXXXX	XX		0000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXX XXXX	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXX XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX XXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXX XX XXXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXX XXXXXX	XX		0000
***	***	XXXXXXX XX XXXXXXXXXX	XX		0000

Exhibit A-13


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX XXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XX XXXXXXXXX	XX		1602
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	SWEDESBORO	NJ		8085
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXXX	XX		0000
***	***	XXXX XX XXXX XXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXX XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XXXXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXX XX XXXXXXX	XX		0000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXX XX XXXXX	XX		00000
***	***	XXXX XXXX	XX		00000
***	***	XXXXXXXX XX XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXX	XX		00000
***	***	XXXX XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XX XXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXX XX XXXXXXXXXX	XX		00000
***	***	XXX-XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXX XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXX XX XXXXX XXXXXX	XX		00000
***	***	XXXX XX XXXXXXXXXX	XX		00000
***	***	XXXX XXXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000

Exhibit A-14


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXXX	XX		00000
***	***	GRANBY	CT		6035
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	NAUGATUCK	CT		0000
***	***	XXXXXXXXXX	XX		00000
***	***	BRIDGEPORT	CT		6606
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXXXX XXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		0000
***	***	XXXX XX XXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	SCITUATE	MA		2066
***	***	XXXXXXXXXXXXX	XX		0000
***	***	XXXXXXX XX XXXXXXXXX	XX		0000
***	***	XXXX XX XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXXXXXX XXXXXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXX XXXXXXXX	XX		0000
***	***	XXXX XXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	WILBRAHAM	MA		1095
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXX XXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX XXXXX	XX		0000
***	***	XXXXXXXXXX	XX		00000
***	***	PENNSAUKEN	NJ		8109
***	***	XXXX XX XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX XXX.	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX XX XXXXX	XX		0000
***	***	XXXXX XXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XX XXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXX XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000

Exhibit A-15


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XX XXXXXX	XX		00000
***	***	XXXXXX XXXX	XX		0000
***	***	XXXXXX-XX-XXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXX XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	NATICK	MA		1760
***	***	XXXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXX XXXXX	XX		00000
***	***	XXXX XX XXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX XX XXXXXXXX	XX		0000
***	***	XXXXX XXXXX	XX		00000
***	***	XXX XXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXX XXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXX XXXXXXX	XX		00000
***	***	XXXX XX XXXXXXX	XX		00000
***	***	XXXXXXXXX XXXXX	XX		0000
***	***	XXX XXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXX XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		0000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXXX XXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX XXXXX	XX		00000
***	***	XXX XXXXX	XX		0000
***	***	XXXXXX XXXX	XX		0000

Exhibit A-16


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXX XXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	ONSET	MA		2558
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXX XXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXX XXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX XXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	NEPTUNE	NJ		7753
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX XXXXX	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXX XXXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXX XXXX	XX		0000
***	***	XXXXX XXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX XXXXX	XX		0000
***	***	XXXXX	XX		00000
***	***	XXXXX XXXX XXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX XXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXX XXXXXX	XX		00000
***	***	TEANECK	NJ		7666
***	***	XXXXXXX XXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXX XXXXXXXXXX	XX		00000
***	***	XXXX XXXXXXXXX	XX		00000
***	***	XXX XXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	ABSECON	NJ		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXX XXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	RIDGEWOOD	NJ		7450

Exhibit A-17


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXX	XX		00000
***	***	XXXXXXXX XXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX XXXX	XX		0000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXXX XXXXX	XX		00000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXX XXXXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXX-XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	BERWICK	ME		3901
***	***	XXXXXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXXX XXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXXXXXX XXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXX XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX XXXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	OAKLYN	NJ		8107
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXXXXX	XX		0000
***	***	XXXX XXXXXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		0000
***	***	XXXX XXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXX XX XXXX XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXX XXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXX XXX	XX		00000
***	***	XXX XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX XXXX	XX		00000

Exhibit A-18


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXX XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX XXX.	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXXXXX XXX	XX		0000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		0000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXX XXXXX XXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX XXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		0000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	XXXXXXXXXX XXXXX	XX		00000
***	***	Xxxx xx Xxxxxxxxxx	XX		00000
***	***	Xxxx Xxxx	XX		0000
***	***	Xxxxxxx Xxxxx	XX		0000
***	***	XXXXX XXXXXXXXXX	XX		0000
***	***	XXXXXXXXXX	XX		0000
***	***	Xxxxx Xxxxxx Xxx	XX		0000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX XXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXX	XX		00000

Exhibit A-19


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXXX	XX		00000
***	***	XX XXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		0000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX XXXXXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxx Xxxxxx	XX		00000
***	***	Xxxxxxxxxxxxx	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	Xxxxxx	XX		00000
***	***	Xxxxxx Xxxxxxx	XX		00000
***	***	XXXX XXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxx Xxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	Xxxxxxxxxxx	XX		0000
***	***	Xxxxx Xxxxx	XX		00000
***	***	Xxxxxxx Xxx	XX		00000
***	***	Xx. Xxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		0000
***	***	Xxxxxxxxxx	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX XXXXX	XX		00000
***	***	XXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000

Exhibit A-20


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXXX	XX		00000
***	***	Xxxxxxxxxx	XX		00000
***	***	XXXXXXXXXXXX XXXXXXX	XX		00000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXX XXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX XXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXX XXXXX	XX		00000
***	***	XXXXXXXX XXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	VINELAND	NJ		0000
***	***	XXXXXXXX	XX		0000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	XXXX XXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXXXXXX XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxx	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXX XXXXXXXXX	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxxxxxx	XX		0000
***	***	XX XXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	Xxxxxxxxx	XX		00000
***	***	Xxxxxxxx Xxxxx	XX		00000
***	***	XXXXX XXXXX XXXXX	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXXXX XXXXXXX	XX		00000
***	***	Xxxx	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	Xxxx Xxxx	XX		00000
***	***	XXXXXXX XXXX	XX		00000
***	***	XXXXX XXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXX XXXX	XX		00000
***	***	Xxxx Xxxxxx	XX		00000
***	***	XXXXXXXXX	XX		00000

Exhibit A-21


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	XXXXX XXXX	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXX XXXXXX	XX		0000
***	***	XXXXXXXX	XX		00000
***	***	XX XXXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	XXXXX	XX		00000
***	***	VINELAND	NJ		8360
***	***	XXXXXXX	XX		00000
***	***	XX XXXXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXXX XXXX XXXXX	XX		00000
***	***	XXX XXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXX	XX		00000
***	***	XXXXXX XXXXXXX	XX		00000
***	***	XXXXX XXXXXXXXXXXXX	XX		0000
***	***	XXXXXXXXXXXX	XX		00000
***	***	XXXXXXXXXX	XX		00000
***	***	XXXXXXXXX	XX		0000
***	***	XXXXXX XXXX	XX		00000
***	***	XXXXXX	XX		00000
***	***	XXXXXX XXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxxx	XX		00000
***	***	XXXXXXXXXXX	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	Xxxxxxx	XX		00000
***	***	XXXXXXXXXX	XX		0000
***	***	XXXXXXXXX	XX		00000
***	***	TAMPA	FL		33614
***	***	BOYNTON BEACH	FL		33435
***	***	Huntington	NY		11746
***	***	Forsyth	GA		31016
***	***	Macon	MO		63552
***	***	YORK	PA		17404
***	***	DAYTONA BEACH	FL		32118
***	***	ORANGE PARK	FL		32073
***	***	ATLANTIC BEACH	FL		32233
***	***	ST. PETERSBURG	FL		33712
***	***	JACKSONVILLE	FL		32277
***	***	DAVENPORT	FL		33896
***	***	JACKSONVILLE	FL		32208
***	***	MIAMI	FL		33157
***	***	POMPANO BEACH	FL		33069
***	***	Reno	NV		89512
***	***	VERNON	AZ		85940
***	***	Youngstown	OH		44505
***	***	W POTTSGROVE	PA		19464
***	***	CARLISLE	PA		17013
***	***	CHANDLER	AZ		85226
***	***	MIAMI	FL		33157
***	***	VIRGINIA BEACH	VA		23451
***	***	JERSEY CITY	NJ		7304
***	***	LAWRENCEBURG	IN		47025
***	***	CREIGHTON	PA		15030
***	***	BURGHILL	OH		44404
***	***	ASHTABULA	OH		44004
***	***	SHREVEPORT	LA		71106
***	***	CARDINGTON	OH		43315
***	***	ESPANOLA	NM		87532
***	***	SHOREWOOD	IL		60431
***	***	CLARKSVILLE	TN		37043

Exhibit A-22


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	AMARILLO	TX		79109
***	***	SHARPSVILLE	PA		16150
***	***	BALTIMORE	MD		21230
***	***	HOUSTON	TX		77095
***	***	FORNEY	TX		75126
***	***	SOMERSET	MA		2726
***	***	HOUSTON	TX		77087
***	***	HILLMAN	MN		56338
***	***	RICHMOND	VA		23228
***	***	CLEVELAND	OH		44120
***	***	OSBURN	ID		83849
***	***	TUOLUMNE	CA		95379
***	***	HOLLAND	MI		49423
***	***	BENNETT	NE		68317
***	***	BOGOTA	NJ		7603
***	***	LAGRANGE	NC		28551
***	***	ALBERQUERQUE	NM		87123
***	***	CHARLOTTE	NC		28205
***	***	CARMICHAELS	PA		15320
***	***	MONTESANO	WA		98563
***	***	PHILADELPHIA	PA		19151
***	***	FLORENCE	CO		81226
***	***	FLORIDA CITY	FL		33034
***	***	STONINGTON	CT		6378
***	***	AUSTIN	TX		78723
***	***	AMARILLO	TX		79106
***	***	MIAMI	FL		33175
***	***	GARLAND	TX		75043
***	***	MINNEAPOLIS	MN		55414
***	***	FOLLANSBEE	WV		26037
***	***	SYRACUSE	NY		13205
***	***	PRIOR LAKE	MN		55372
***	***	BELHAVEN	NC		27810
***	***	CANTON	GA		30114
***	***	NEW CASTLE	DE		19720
***	***	HILLSBORO	OH		45133
***	***	BROWNS VALLEY	MN		56219
***	***	AUGUSTA	GA		30904
***	***	BUMPASS	VA		23024
***	***	DALLAS	GA		30132
***	***	CLINTON	AR		72031
***	***	MONTGOMERY	AL		36116
***	***	BAKERSFIELD	CA		93301
***	***	BAY CITY	MI		48706
***	***	PHILADELPHIA	PA		19136
***	***	PROVIDENCE	KY		42450
***	***	PEMBROKE	GA		31312
***	***	Palm Springs	FL		33461
***	***	Greenwater	WA		98022
***	***	Cleveland	OH		44105
***	***	Stanford	KY		40484
***	***	Brentwood	NY		11717
***	***	Brooklyn	NY		11221
***	***	Winston	GA		30187
***	***	FAR ROCKAWAY	NY		11691
***	***	Gainesville	FL		32653
***	***	WILKES BARRE	PA		18705
***	***	Mansfield	OH		44903
***	***	Rockledge	FL		32955
***	***	Chicago	IL		60628
***	***	Georgetown	SC		29440
***	***	NEW ORLEANS	LA		70114
***	***	SAVANNAH	GA		31405
***	***	Orangeburg	SC		29115
***	***	Pompano Beach	FL		33062
***	***	HAWORTH	OK		74740

Exhibit A-23


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	MONROEVILLE	PA		15146
***	***	CAMPBELL	MO		63933
***	***	Decatur	GA		30032
***	***	Conyers	GA		30013
***	***	MICHIGAN CITY	IN		46360
***	***	Astatula	FL		34705
***	***	BRADENTON	FL		34205
***	***	TULSA	OK		74112
***	***	Zebulon	NC		27597
***	***	BELLEVILLE	IL		62223
***	***	EVANSDALE	IA		50707
***	***	Altoona	PA		16602
***	***	Indian Rocks Beach	FL		33785
***	***	Boring	OR		97009
***	***	BALTIMORE	MD		21218
***	***	IRVINGTON	NJ		7111
***	***	PENSACOLA	FL		32507
***	***	Grand Prairie	TX		75050
***	***	Emporia	VA		23847
***	***	Haysville	KS		67060
***	***	Dodge City	KS		67801
***	***	Blackwell	OK		74631
***	***	Winston Salem	NC		27107
***	***	MERIDIAN	MS		39307
***	***	GLENDALE	AZ		85305
***	***	ELK	WA		99009
***	***	DOUGLASVILLE	GA		30135
***	***	ROBBINSVILLE	NC		28771
***	***	CHICAGO	IL		60628
***	***	PHILADELPHIA	PA		19135
***	***	MONROE	NY		10950
***	***	SENECA	SC		29678
***	***	NEW CASTLE	DE		19720
***	***	OGDEN	UT		84403
***	***	BALTIMORE	MD		21229
***	***	LA PALMA	CA		90623
***	***	MELVILLE	NY		11747
***	***	HARRISBURG	PA		17111
***	***	SALEM	OR		97301
***	***	HEATHROW	FL		32746
***	***	EAST HAMPTON	CT		6424
***	***	Gaffney	SC		29341
***	***	Vineland	NJ		8360
***	***	DAYTON	OH		45420
***	***	BALTIMORE	MD		21225
***	***	SEALY	TX		77474
***	***	HOCKLEY	TX		77447
***	***	HUBBARD	OH		44425
***	***	Miami	FL		33125
***	***	Fayetteville	NC		28306
***	***	LAWRENCEBURG	TN		38464
***	***	BAKER CITY	OR		97814
***	***	KANSAS CITY	KS		66112
***	***	GILLETTE	WY		82716
***	***	HOUSTON	TX		77047
***	***	Kenilworth Borough	NJ		7033
***	***	CONWAY	MO		65632
***	***	BELLEVILLE	IL		62220
***	***	CHURCH POINT	LA		70525
***	***	WAGGAMAN	LA		70094
***	***	Brothertown	WI		53014
***	***	OKLAHOMA CITY	OK		73120
***	***	WEST VALLEY	UT		84128
***	***	WILMINGTON	NC		28401
***	***	MONROEVILLE	PA		15146
***	***	MILWAUKEE	WI		53208

Exhibit A-24


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	WOOD RIVER	IL		62095
***	***	HENDERSON	NC		27536
***	***	LORAIN	OH		44052
***	***	TOLEDO	OH		43602
***	***	HIGHLAND SPRINGS	VA		23075
***	***	MARTINSBURG	WV		25401
***	***	DETROIT	MI		48221
***	***	ROME	GA		30161
***	***	NEW MARKET	TN		37820
***	***	CENTRALIA	IL		62801
***	***	FAIRBORN	OH		45324
***	***	BOURBON	IN		46504
***	***	PENDLETON	SC		29670
***	***	PHOENIX	AZ		85006
***	***	NEWARK	OH		43055
***	***	HANNIBAL	MO		63401
***	***	ARENA	WI		53503
***	***	MINNEAPOLIS	MN		55407
***	***	CONWAY	SC		29527
***	***	BLACKFOOT	ID		83221
***	***	LITTLE RIVER	SC		29566
***	***	SPRING CREE	NV		89815
***	***	TAYLOR	MI		48180
***	***	CARY	NC		27513
***	***	LOUISVILLE	GA		30434
***	***	NEWARK	OH		43055
***	***	HILBERT	WI		54129
***	***	RICHTON PARK	IL		60471
***	***	ROCKFORD	IL		61109
***	***	BELLEVILLE	IL		62220
***	***	OXFORD	OH		45064
***	***	VENTURA	CA		93003
***	***	WILLOW SPRINGS	NC		27592
***	***	CINCINNATI	OH		45240
***	***	DRY RIDGE	KY		41035
***	***	HARTVILLE	OH		44632
***	***	EAST CLEVELAND	OH		44112
***	***	MARSHALL	MN		56258
***	***	FLORENCE	SC		29506
***	***	COLUMBIA	SC		29212
***	***	COLUMBIA	SC		29223
***	***	HICKORY	NC		28602
***	***	COLUMBIA	SC		29203
***	***	GRAY COURT	SC		29645
***	***	WEST PALM BEACH	FL		33404
***	***	LOUISVILLE	KY		40212
***	***	BURLINGTON	NC		27215
***	***	PORTLAND	TN		37148
***	***	FRANKFORD	DE		19945
***	***	WARREN	OH		44485
***	***	KENT	OH		44240
***	***	ST LOUIS	MO		63113
***	***	E CARONDELET	IL		62240
***	***	LAGRANGE	KY		40031
***	***	GONZALES	LA		70778
***	***	KANSAS CITY	MO		64111
***	***	Porum	OK		74455
***	***	GARY	IN		46404
***	***	ST LOUIS	MO		63138
***	***	SHELBYVILLE	TN		37160
***	***	INDEPENDENCE	MO		64053
***	***	OKLAHOMA CITY	OK		73114
***	***	LANCASTER	NY		14086
***	***	COLUMBIA	SC		29205
***	***	LOUISVILLE	KY		40216
***	***	LOUISVILLE	KY		40216

Exhibit A-25


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	MOGADORE	OH		44260
***	***	ST LOUIS	MO		63116
***	***	MUSKEGON	MI		49442
***	***	STATESVILLE	NC		28677
***	***	SAINT JAMES	LA		99999
***	***	HARLAN	KY		40831
***	***	SEVILLE	OH		44273
***	***	CREVE COEUR	IL		61610
***	***	UNIVERSITY CITY	MO		63130
***	***	ALVARADO	TX		76009
***	***	MEMPHIS	TN		38128
***	***	MEMPHIS	TN		38128
***	***	SIDNEY	KY		41564
***	***	KNOXVILLE	TN		37918
***	***	AKRON	OH		44306
***	***	NEW BERN	NC		28562
***	***	DAVIDSON	NC		28036
***	***	COLUMBUS	OH		43231
***	***	KENT	WA		98042
***	***	CHICKAMAUGA	GA		30707
***	***	LEON	IA		50144
***	***	ANNVILLE	PA		17003
***	***	CHATTANOOGA	TN		37404
***	***	KEWANEE	IL		61443
***	***	DAYTON	TN		37321
***	***	VIRGIE	KY		41572
***	***	NOGALES	AZ		85621
***	***	PEORIA	IL		61615
***	***	ELLENWOOD	GA		30294
***	***	HAMMOND	IN		46323
***	***	MASURY	OH		44438
***	***	CINCINNATI	OH		45231
***	***	SHEBOYGAN FALLS	WI		53085
***	***	ADA	OK		74820
***	***	INDIANAPOLIS	IN		46205
***	***	CATLETTSBURG	KY		41129
***	***	PLEASANTVILLE	OH		43148
***	***	HARRISON	OH		45030
***	***	CARLISLE	PA		17013
***	***	GREENEVILLE	TN		37745
***	***	Memphis	TN		38111
***	***	ARCHDALE	NC		27263
***	***	EVANSVILLE	IN		47713
***	***	RUFFIN	NC		27326
***	***	Clearwater	FL		33755
***	***	DELTA	OH		43515
***	***	BEACH CITY	OH		44608
***	***	Northfield	NJ		8225
***	***	Alachua	FL		32616
***	***	Yuma	AZ		85367
***	***	San Antonio	TX		78232
***	***	DECATUR	IL		60419
***	***	MOUNT AIRY	NC		27030
***	***	SALISBURY	NC		28147
***	***	HOWELL	MI		48843
***	***	SEYMOUR	IN		47274
***	***	TOLEDO	OH		43609
***	***	Shubuta	MS		39360
***	***	IRVING	TX		75063
***	***	FORT WAYNE	IN		46816
***	***	Sealy	TX		77474
***	***	AUBURN	GA		30011
***	***	PARKVILLE	MD		21234
***	***	DALLAS	TX		75218
***	***	Danville	AL		35619
***	***	Depew	NY		14043

Exhibit A-26


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SALEM	OR		97301
***	***	Enumclaw	WA		98022
***	***	COLUMBUS	OH		43224
***	***	HAMMOND	IN		46323
***	***	OPA LOCKA	FL		33055
***	***	ST CHARLES	VA		24282
***	***	MEMPHIS	TN		38119
***	***	ELLENWOOD	GA		30294
***	***	OPA LOCKA	FL		33054
***	***	BELTON	SC		29627
***	***	KENT	OH		44240
***	***	PHILADELPHI	PA		19125
***	***	WINSTON SALEM	NC		27105
***	***	DANVILLE	VA		24541
***	***	MARYVILLE	TN		37804
***	***	HAMLET	IN		46532
***	***	FULTON	NY		13069
***	***	RALEIGH	NC		27610
***	***	HIGH POINT	NC		27262
***	***	DERMOTT	AR		71638
***	***	ORLANDO	FL		32819
***	***	PHOENIX	AZ		85051
***	***	Salisbury	NC		28211
***	***	MADISON	IN		47250
***	***	Stone Mountain	GA		30083
***	***	FREDERICKSBURG	TX		78624
***	***	DECATUR	GA		30035
***	***	Stone Mountain	GA		30088
***	***	Augusta	GA		30906
***	***	Pompano Beach	FL		33062
***	***	Odum	GA		31555
***	***	SAN JUAN	TX		78589
***	***	Mableton	GA		30126
***	***	Atlanta	GA		30318
***	***	Dongola	IL		62926
***	***	Newnan	GA		30263
***	***	HOUSTON	TX		77066
***	***	FORT LAUDERDALE	FL		33309
***	***	ARLINGTON	TX		76016
***	***	Laredo	TX		78045
***	***	GRAPELAND	TX		75844
***	***	CARLSBAD	NM		88220
***	***	BUFFALO	NY		14204
***	***	TAMPA	FL		33603
***	***	CHINA GROVE	NC		28023
***	***	ROCKY MOUNT	NC		27803
***	***	ELLENVILLE	NY		12428
***	***	CRYSTAL SPRINGS	MS		39059
***	***	Sylvester	GA		31791
***	***	Clovis	NM		88101
***	***	NEW YORK	NY		10027
***	***	ROSEVILLE	MI		48066
***	***	JACKSONVILLE	AR		72076
***	***	SPRING	TX		77373
***	***	CORTLAND	OH		44410
***	***	Wichita	KS		67217
***	***	HOUSTON	TX		77064
***	***	Village of Hempstead	NY		11550
***	***	CANDLER	NC		28715
***	***	CLEVELAND	OH		44128
***	***	CLEVELAND	OH		44108
***	***	NEW IBERIA	LA		70563
***	***	CHARLOTTE	NC		28227
***	***	KANSAS CITY	MO		64134
***	***	ST LOUIS	MO		63129
***	***	WASHINGTON	IN		47501

Exhibit A-27


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SODDY DAISY	TN		37379
***	***	MORGANTON	NC		28655
***	***	POWDER SPRINGS	GA		30127
***	***	TOLEDO	OH		43605
***	***	NORWOOD	OH		45212
***	***	PHILIPSBURG	PA		16866
***	***	HAMILTON	OH		45011
***	***	BIXBY	OK		74008
***	***	DIXON	IL		61021
***	***	CINCINNATI	OH		45214
***	***	SMITHVILLE	OH		44677
***	***	CHICAGO	IL		60617
***	***	INDEPENDENCE	MO		64050
***	***	SALISBURY	NC		28146
***	***	CHARLOTTE	NC		28206
***	***	RICHWOOD	OH		43344
***	***	OLATHE	KS		66062
***	***	WHITEVILLE	NC		28472
***	***	MOUNT UNION	PA		17066
***	***	INDIANAPOLIS	IN		46224
***	***	COLUMBIA	SC		29209
***	***	PENDLETON	IN		46064
***	***	KENNER	LA		70063
***	***	DURHAM	NC		27704
***	***	CASTLE HAYNE	NC		28429
***	***	S CHARLESTON	OH		45368
***	***	SOUTH BEND	IN		46614
***	***	GEORGETOWN	SC		29440
***	***	THOMASVILLE	NC		27360
***	***	REMINGTON	IN		47977
***	***	TOLEDO	OH		43605
***	***	COWETA	OK		74429
***	***	EMMAUS	PA		18049
***	***	FOUNTAIN CITY	IN		47341
***	***	WESTWEGO	LA		70094
***	***	FREDERICKTOWN	MO		63645
***	***	DUNCAN	OK		73533
***	***	JOLIET	IL		60435
***	***	LEON	WV		25123
***	***	MILWAUKEE	WI		53213
***	***	HARMONY	NC		28634
***	***	CINCINNATI	OH		45225
***	***	KANSAS CITY	MO		64130
***	***	MATTHEWS	NC		28105
***	***	FARMLAND	IN		47340
***	***	LEXINGTON	KY		40517
***	***	KETTERING	OH		45429
***	***	DETROIT	MI		48221
***	***	WALKERTOWN	NC		27051
***	***	ZANESVILLE	OH		43701
***	***	WINTERVILLE	GA		30683
***	***	PLYMOUTH	IN		46563
***	***	ALLIANCE	OH		44601
***	***	ST ROSE	LA		70002
***	***	ROCKY MOUNT	NC		27804
***	***	CINCINNATI	OH		45244
***	***	Salem	MO		65560
***	***	INDIANAPOLIS	IN		46221
***	***	DUSON	LA		70529
***	***	KANSAS CITY	MO		64130
***	***	ENID	OK		73701
***	***	EL PASO	TX		79912
***	***	Marietta	OH		45750
***	***	CLAYTON	IN		46118
***	***	ALIQUIPPA	PA		15001
***	***	BARNHART	MO		63012

Exhibit A-28


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SMYRNA	TN		37167
***	***	GREENVILLE	SC		29605
***	***	CHARLOTTE	NC		28216
***	***	VANDERGRIFT	PA		15690
***	***	OIL CITY	PA		16301
***	***	HENDERSON	NC		27536
***	***	MAUMEE	OH		43537
***	***	CINCINNATI	OH		45240
***	***	BELEWS CREEK	NC		27009
***	***	CONOVER	NC		28613
***	***	MIDDLETOWN	OH		45044
***	***	OCONOMOWOC	WI		53066
***	***	GLEN CARBON	IL		62034
***	***	KINGSPORT	TN		37663
***	***	BELLEVILLE	IL		62226
***	***	ROSEBORO	NC		28382
***	***	PHILADELPHIA	PA		19111
***	***	Durham	NC		27703
***	***	Piedmont	MO		63957
***	***	Little Rock	AR		72206
***	***	Dennis	NJ		8270
***	***	Quincy	FL		32353
***	***	BEAUMONT	TX		77705
***	***	CENTRALIA	WA		98531
***	***	COLUMBUS	OH		43224
***	***	EL RENO	OK		73036
***	***	Eastover	SC		29044
***	***	WASHINGTON	PA		15301
***	***	TIMMONSVILLE	SC		29161
***	***	WINSTON SALEM	NC		27107
***	***	NEW CASTLE	PA		16101
***	***	BELOIT	WI		53511
***	***	RALEIGH	NC		27613
***	***	KANNAPOLIS	NC		28081
***	***	BISHOPVILLE	SC		29010
***	***	MONTGOMERY	AL		36116
***	***	FAYETTE	AL		35555
***	***	Dearborn	MI		48126
***	***	ALBUQUERQUE	NM		87107
***	***	WESTMINSTER	CA		92683
***	***	DAVENPORT	WA		99122
***	***	COLONIE	NY		12047
***	***	SANDY VALLEY	NV		89019
***	***	SEALY	TX		77474
***	***	SEALY	TX		77474
***	***	HARLINGEN	TX		78550
***	***	PITTSBURGH	PA		15237
***	***	NEVADA	MO		64772
***	***	EASLEY	SC		29642
***	***	VERONA	PA		15147
***	***	COWPENS	SC		29330
***	***	COLUMBIA STATION	OH		44028
***	***	OGDENSBURG	WI		54962
***	***	WEWOKA	OK		74884
***	***	CHESNEE	SC		29323
***	***	BEAVERCREEK	OH		45434
***	***	BRAINERD	MN		56401
***	***	DECATUR	GA		30034
***	***	SAUK VILLAG	IL		60411
***	***	COLUMBUS	OH		43204
***	***	OKLAHOMA CITY	OK		73140
***	***	MEMPHIS	TN		38141
***	***	LIME RIDGE	WI		53942
***	***	NEW BRIGHTO	PA		15066
***	***	CORYDON	IN		47112
***	***	TIPP CITY	OH		45371

Exhibit A-29


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	PRAIRIEVILLE	LA		70769
***	***	DES MOINES	IA		50313
***	***	CONVERSE	TX		78109
***	***	PHILADELPHIA	PA		19144
***	***	SANFORD	NC		27330
***	***	MACON	GA		31210
***	***	TUCSON	AZ		58706
***	***	NICHOLS	SC		29581
***	***	NORFOLK	VA		23523
***	***	ABBEVILLE	SC		29620
***	***	GREENVILLE	SC		29607
***	***	MARION	OH		43302
***	***	ERLANGER	KY		41018
***	***	FORT WAYNE	IN		46803
***	***	ST MARYS	OH		45885
***	***	BURLINGTON	KY		41005
***	***	MARTINSVILLE	VA		24112
***	***	MILWAUKEE	WI		53224
***	***	OKLAHOMA CITY	OK		73132
***	***	ANDERSONVILLE	TN		37705
***	***	ZANESVILLE	OH		43701
***	***	LANEXA	VA		23089
***	***	NEW MARKET	TN		37820
***	***	ATLANTA	GA		30331
***	***	WILLOWICK	OH		44095
***	***	Adair	OK		74330
***	***	GASTONIA	NC		28056
***	***	GROVER	NC		28073
***	***	SABINA	OH		45169
***	***	AIKEN	SC		29801
***	***	KERSHAW	SC		29730
***	***	LINDSEY	OH		43442
***	***	COLUMBIA	TN		38401
***	***	TROTWOOD	OH		45426
***	***	TOLEDO	OH		43613
***	***	NASHVILLE	TN		37211
***	***	CRESTWOOD	IL		60445
***	***	WINGATE	NC		28174
***	***	FORT WORTH	TX		76119
***	***	CAROLINA	PR		987
***	***	NACOGDOCHES	TX		75964
***	***	PITTSBURGH	PA		15218
***	***	LINCOLN PARK	MI		48146
***	***	Reno	NV		89506
***	***	Dallas	TX		75217
***	***	COLUMBUS	MS		39701
***	***	WINSLOW	AZ		86047
***	***	Carrollton	VA		23314
***	***	Brooklyn	NY		11223
***	***	LUBBOCK	TX		79415
***	***	NANTICOKE	PA		18634
***	***	STANTONSBURG	NC		27883
***	***	SOUTH BEND	IN		46613
***	***	MANSFIELD	OH		44906
***	***	PITTSBURGH	PA		15206
***	***	HANNIBAL	NY		13074
***	***	LEESPORT	PA		19533
***	***	PHILADELPHIA	PA		19130
***	***	JONESBORO	GA		30238
***	***	SOMERSET	KY		42503
***	***	KERNERSVILLE	NC		27284
***	***	FARIBAULT	MN		55021
***	***	STUTTGART	AR		72160
***	***	Ronkonkoma	NY		11779
***	***	Riverside	NJ		8075
***	***	Cherry Hill	NJ		8034

Exhibit A-30


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Fairless Hills	PA		19030
***	***	Bellmawr	NJ		8031
***	***	Town of Huntington	NY		11746
***	***	Riverhead	NY		11901
***	***	NAVARRE	FL		32566
***	***	TOWNSHIP OF MANSFIELD	NJ		8022
***	***	TWNSP OF WEST CALDWELL	NJ		7006
***	***	TABERNACLE	NJ		8088
***	***	ST. LOUIS	MO		63106
***	***	Washington Township	NJ		7853
***	***	LUDLOW	MA		1056
***	***	BERNARDSTON	MA		1337
***	***	Philadelphia	PA		19140
***	***	Philadelphia	PA		19150
***	***	Kissimmee	FL		34758
***	***	Willingboro	NJ		8046
***	***	TOWNSHIP OF MONROE	NJ		8831
***	***	Cleveland	TN		37311
***	***	MASSILLON	OH		44646
***	***	Crawford	GA		30630
***	***	Defuniak Springs	FL		32435
***	***	LOXLEY	AL		36551
***	***	COSHOCTON	OH		43812
***	***	Mountain Home	ID		83647
***	***	MEMPHIS	TN		38118
***	***	WAYNESBORO	VA		22980
***	***	HOOPER	UT		84315
***	***	Windsor Mill	MD		21244
***	***	ADRIAN	MI		49221
***	***	POSTVILLE	IA		52162
***	***	Fairborn	OH		45324
***	***	Johnstown	NY		12095
***	***	Sandusky	OH		44870
***	***	MASON	TN		38049
***	***	Jamestown	NY		14701
***	***	ORANGE	NJ		7050
***	***	OTSEGO	MI		49078
***	***	PLANT CITY	FL		33563
***	***	WHITMAN	MA		2382
***	***	WEST WINDSOR	NJ		8550
***	***	VERO BEACH	FL		32960
***	***	HAMPTON	VA		23666
***	***	STROUDSBURG	PA		18360
***	***	NEW CASTLE	DE		19720
***	***	NEWTON	NC		28658
***	***	MONROE	LA		71202
***	***	Beach City	OH		44608
***	***	DETROIT	MI		48227
***	***	WALSENBURG	CO		81089
***	***	HARRISON TOWNSHIP	MI		48045
***	***	SULLIGENT	AL		35586
***	***	FORT LEE	NJ		99999
***	***	HOUSTON	TX		77031
***	***	CAMDEN	NJ		8104
***	***	PERRY	GA		31069
***	***	WOODSIDE	NY		11377
***	***	SOMERVILLE	MA		26048
***	***	CHESAPEAKE	VA		23320
***	***	LAWRENCE	MA		1841
***	***	PALM BEACH	FL		33480
***	***	BROOKLYN	NY		11238
***	***	NEW YORK	NY		10033
***	***	DEER PARK	MD		21550
***	***	BRONX	NY		10462
***	***	YONKERS	NY		10704
***	***	BRONX	NY		10462

Exhibit A-31


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	BRONX	NY		10462
***	***	BRONX	NY		10462
***	***	BRONXVILLE	NY		10708
***	***	BRONX	NY		10462
***	***	BRONX	NY		10462
***	***	YONKERS	NY		10704
***	***	BRONX	NY		10462
***	***	BRONX	NY		10462
***	***	BRONX	NY		10462
***	***	BRONX	NY		10462
***	***	SHAWNEE	OK		74801
***	***	POMONA	CA		91766
***	***	BIRMINGHAM	AL		35228
***	***	BRONX	NY		10468
***	***	BROOKLYN	NY		11210
***	***	FAR ROCKAWAY	NY		11691
***	***	FOREST HILLS	NY		11375
***	***	JAMAICA	NY		11432
***	***	BROOKLYN	NY		11226
***	***	SELDEN	NY		11784
***	***	BRONX	NY		10463
***	***	BRONX	NY		10456
***	***	SPRING VALLEY	NY		10977
***	***	SPRING VALLEY	NY		10977
***	***	STRATFORD	CT		6497
***	***	LOS ANGELES	CA		90039
***	***	COVINGTON	LA		70433
***	***	DURHAM	NC		27703
***	***	DANIA BEACH	FL		33312
***	***	LEESVILLE	SC		29070
***	***	SUMTER	SC		29150
***	***	ASHEVILLE	NC		28803
***	***	ELLOREE	SC		29047
***	***	MANNING	SC		29102
***	***	BROOKER	FL		32622
***	***	BUFFALO	NY		14204
***	***	PT CHARLOTTE	FL		33952
***	***	INDIANAPOLIS	IN		46205
***	***	ALBANY	GA		31707
***	***	LOS ANIMAS	CO		81054
***	***	RALEIGH	NC		27610
***	***	MEMPHIS	TN		38115
***	***	PAHOA	HI		96778
***	***	LONG BEACH	CA		90810
***	***	TUCSON	AZ		85706
***	***	OCEANSIDE	CA		92056
***	***	VANCOUVER	WA		98661
***	***	HAYDEN	AL		35079
***	***	MEMPHIS	TN		38127
***	***	BIRMINGHAM	AL		35214
***	***	BIRMINGHAM	AL		35211
***	***	CONWAY	SC		29526
***	***	BRONX	NY		10461
***	***	FRANKLIN	KY		42134
***	***	LAKE CITY	FL		32055
***	***	INDIANAPOLIS	IN		46203
***	***	PITTSBURGH	PA		15221
***	***	READING	PA		19601
***	***	DERRY	PA		15627
***	***	Folkston	GA		31537
***	***	FOLEY	AL		36535
***	***	TAMPA	FL		33605
***	***	BRADENTON	FL		34208
***	***	ALBUQUERQUE	NM		87104
***	***	BATTLE MOUNTAIN	NV		89820
***	***	GREENVILLE	MS		38703

Exhibit A-32


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	WILKES BARRE	PA		18705
***	***	LAKE WORTH	FL		33463
***	***	DALLAS	TX		75231
***	***	PITTSBURGH	PA		15212
***	***	LITTLE FALLS	NY		13365
***	***	PLYMOUTH	NY		13832
***	***	MEMPHIS	TN		38106
***	***	CHANNELVIEW	TX		77530
***	***	HOUSTON	TX		77033
***	***	ST. LOUIS	MO		63120
***	***	APOPKA	FL		32703
***	***	BALTIMORE	MD		21223
***	***	HOUSTON	TX		77091
***	***	DALLAS	TX		75238
***	***	SOUTH LANCASTER	MA		1561
***	***	DALLAS	TX		75241
***	***	EDISON	NJ		8820
***	***	RIVERDALE	GA		30274
***	***	ARLINGTON	TX		76017
***	***	PICAYUNE	MS		39466
***	***	ST. LOUIS	MO		63113
***	***	GWYNN OAK	MD		21207
***	***	JACKSON	MS		39204
***	***	ROSEDALE	MS		38769
***	***	NEW ORLEANS	LA		70116
***	***	SAN ANTONIO	TX		78202
***	***	TOLEDO	OH		43607
***	***	BYRON	GA		31008
***	***	BEAUMONT	TX		77702
***	***	FORT WORTH	TX		76103
***	***	TOBYHANNA	PA		18466
***	***	RUFFIN	NC		27326
***	***	FORT WORTH	TX		76119
***	***	SEALY	TX		77474
***	***	LINCOLNTON	NC		28092
***	***	WILMERDING	PA		15148
***	***	BALTIMORE	MD		21213
***	***	GRANITE BAY	CA		95746
***	***	SOUTHPORT	NC		28461
***	***	LOPEZ	PA		18628
***	***	CASPER	WY		82609
***	***	TOA ALTA	PR		953
***	***	SHARON HILL	PA		19079
***	***	MISSOURI CITY	TX		77489
***	***	ROCKY MOUNT	NC		27801
***	***	RESERVE	LA		70084
***	***	STREAMWOOD	IL		60107
***	***	PHILADELPHIA	PA		19149
***	***	CALVERTON	NY		11933
***	***	PHILADELPHIA	PA		19138
***	***	HORMIGUEROS	PR		660
***	***	LARKSVILLE	PA		18704
***	***	JACKSON	MS		39204
***	***	CLEVELAND	OH		44105
***	***	FAYETTEVILLE	NC		28301
***	***	WESTON	MA		2193
***	***	HOUSTON	TX		77084
***	***	BISHOPVILLE	SC		29010
***	***	CRESCO	PA		18326
***	***	OAK RIDGE	NJ		7438
***	***	PEORIA	IL		61603
***	***	BRENTWOOD	NY		11717
***	***	Columbia	SC		29205
***	***	BUENA PARK	CA		90620
***	***	PORT ST. LUCIE	FL		34983
***	***	ROOSEVELT	UT		84066

Exhibit A-33


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	ABERDEEN	MS		39730
***	***	COLUMBIA	SC		29203
***	***	DELRAY BEACH	FL		33484
***	***	MERCEDES	TX		78570
***	***	Harvey	LA		70058
***	***	Tallahassee	FL		32304
***	***	Odessa	TX		79762
***	***	Myrtle Beach	SC		29577
***	***	Fort Mccoy	FL		32134
***	***	JACKSBORO	TN		37757
***	***	Cleveland	OH		44111
***	***	League City	TX		77573
***	***	Hopewell	VA		23860
***	***	Tallahassee	FL		32310
***	***	Auburndale	FL		33823
***	***	Chattanooga	TN		37411
***	***	Wellsville	MO		63384
***	***	MINGO JUNCTION	OH		43938
***	***	NAPOLEON	OH		43545
***	***	BOLIVAR	OH		44612
***	***	JEWETT	OH		43986
***	***	GRAHAM	WA		98338
***	***	Gassaway	WV		26624
***	***	Philadelphia	PA		19145
***	***	Mount Vernon	KY		40456
***	***	Columbia	SC		29203
***	***	Philadelphia	PA		19131
***	***	Central Islip	NY		11722
***	***	Central Islip	NY		11722
***	***	Bellingham	WA		98226
***	***	WAXAHACHIE	TX		75165
***	***	THOMPSON	CT		6277
***	***	BUCHANAN	MI		49107
***	***	ELLABELL	GA		31308
***	***	Staten Island	NY		10301
***	***	Mt. Vernon	NY		10552
***	***	Rochelle	NY		10805
***	***	Grove City	PA		16127
***	***	San Antonio	TX		78250
***	***	Bronx	NY		10469
***	***	Barnesville	GA		30204
***	***	PHILADELPHIA	PA		19125
***	***	JAYESS	MS		39641
***	***	Bend	OR		97702
***	***	Effingham	SC		29541
***	***	Lexington	NC		27292
***	***	Kansas City	MO		64124
***	***	Acworth	GA		30102
***	***	THOMASVILLE	GA		31757
***	***	Town of Milton	FL		32570
***	***	Layton	UT		84040
***	***	New Cumberland	PA		17070
***	***	Hamburg	NJ		7419
***	***	Baltimore	MD		21218
***	***	Jacksonville	FL		32208
***	***	Glenmore	PA		19343
***	***	McIntyre	GA		31054
***	***	Macon	GA		31216
***	***	Vicksburg	MS		39180
***	***	Bristow	OK		74010
***	***	Montpelier	IN		47359
***	***	Wilmington	DE		19803
***	***	HOUSTON	TX		77071
***	***	GEORGETOWN	SC		29440
***	***	PALMYRA	IN		47164
***	***	MUSKEGON	MI		49444

Exhibit A-34


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	DAYTON	OH		45406
***	***	Mineral Wells	TX		76067
***	***	Panama City Beach	FL		32408
***	***	Battletown	KY		40104
***	***	Syracuse	NY		13205
***	***	Smyrna	GA		30082
***	***	Atlanta	GA		30318
***	***	Effingham	IL		62401
***	***	Grand Haven	MI		49417
***	***	Hagerstown	MD		21740
***	***	Newberry Township	PA		17370
***	***	CLARE	MI		48617
***	***	ROCK FALLS	IL		61071
***	***	WONDER LAKE	IL		60097
***	***	Driftwood	TX		78619
***	***	Cleveland	OH		44128
***	***	OWEGO	NY		13827
***	***	Hartford	KS		66854
***	***	Wittman	AZ		85361
***	***	Quartzsite	AZ		85359
***	***	JACKSONVILLE	FL		32209
***	***	BELLEVILLE	IL		62223
***	***	Gage	OK		73843
***	***	Charlotte	NC		28214
***	***	Lee Center	NY		13363
***	***	Memphis	TN		38128
***	***	Friendship	TN		38034
***	***	Temple	GA		30179
***	***	Douglasville	GA		30134
***	***	Trenton	TN		38382
***	***	Wilson	NC		27893
***	***	Monterey	TN		38574
***	***	Atlanta	GA		30311
***	***	WEST PALM BEACH	FL		33406
***	***	EDINBURG	TX		78539
***	***	SAN JUAN	TX		78589
***	***	EDINBURG	TX		78539
***	***	Peoria	AZ		85345
***	***	San Antonio	TX		78211
***	***	Lufkin	TX		75901
***	***	MILWAUKEE	WI		53218
***	***	NUNICA	MI		49448
***	***	OKLAHOMA CITY	OK		73107
***	***	GRAND RAPIDS	MI		49504
***	***	Ingram	TX		78025
***	***	FORT PIERCE	FL		34951
***	***	MIAMI	FL		33150
***	***	MIAMI	FL		33147
***	***	FORT MYERS	FL		33907
***	***	LAKE PLACID	FL		33852
***	***	Detroit	MI		48219
***	***	Coleman	MI		48618
***	***	HOLLYWOOD	FL		33023
***	***	BARTOW	FL		33830
***	***	Houston	TX		77088
***	***	Chester	PA		19013
***	***	Alvarado	TX		76063
***	***	Jacksonville	FL		32210
***	***	San Antonio	TX		78224
***	***	Zachary	LA		70791
***	***	Port Orange	FL		32127
***	***	TREVOR	WI		53179
***	***	TAYLOR	PA		18517
***	***	BEAUMONT	TX		77703
***	***	Midlothian	TX		76065
***	***	CHESTER	SC		29706

Exhibit A-35


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SNOQUALMIE	WA		98065
***	***	BALTIMORE	MD		21223
***	***	SAVANNAH	GA		31404
***	***	ANCHORAGE	AK		99507
***	***	INDIANAPOLIS	IN		46205
***	***	BUFFALO	NY		14220
***	***	BALTIMORE	MD		21216
***	***	INDIANAPOLIS	IN		46201
***	***	CORRYTON	TN		37721
***	***	SAN ANTONIO	TX		78244
***	***	MERRILLVILLE	IN		46410
***	***	BUFFALO	NY		14215
***	***	COLUMBIA	SC		29210
***	***	LITTLE ROCK	AR		72209
***	***	SWEPSONVILLE	NC		27359
***	***	CLEVELAND	OH		44128
***	***	MONTICELLO	FL		32344
***	***	BRACKENRIDGE	PA		15014
***	***	CONROE	TX		77302
***	***	WEST COLUMBIA	SC		29172
***	***	KNOX	IN		46534
***	***	TIMBERLAKE	NC		27583
***	***	MILWAUKEE	WI		53223
***	***	ALACHUA	FL		32615
***	***	PITTSBURGH	PA		15201
***	***	SAN ANTONIO	TX		78213
***	***	FOREST CITY	NC		28043
***	***	COLUMBUS	OH		43223
***	***	HIGH POINT	NC		27260
***	***	COLUMBUS	OH		43206
***	***	PATERSON	NJ		7502
***	***	TROY	NY		12182
***	***	OLMSTED FALLS	OH		44138
***	***	GARY	IN		46407
***	***	GOLDSBORO	NC		27534
***	***	SAN ANGELO	TX		76903
***	***	BELLEVIEW	FL		34420
***	***	YEADON	PA		19050
***	***	TRENTON	NJ		8610
***	***	GREENSBORO	NC		27408
***	***	GARY	IN		46409
***	***	PITTSBURGH	PA		15226
***	***	STARKVILLE	MS		39759
***	***	HOUSTON	TX		77095
***	***	San Angelo	TX		76903
***	***	Rockford	IL		61102
***	***	Paris	TX		75460
***	***	Indianapolis	IN		46202
***	***	JOHNSTOWN	PA		15906
***	***	HIGH POINT	NC		27265
***	***	Manning	SC		29102
***	***	EAST CLEVEL	OH		44112
***	***	CANTON	OH		44707
***	***	DURHAM	NC		27713
***	***	UHLAND	TX		78640
***	***	SEAFORD	DE		19973
***	***	HAVRE	MT		59501
***	***	CANTON	OH		44707
***	***	INDIANAPOLIS	IN		46201
***	***	Philadelphia	PA		19144
***	***	FRESNO	TX		77545
***	***	CARTHAGE	NC		28327
***	***	Surprise	AZ		85379
***	***	New Bedford	MA		2745
***	***	NASHVILLE	TN		37215
***	***	Red Lion	PA		17356

Exhibit A-36


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	EAU CLAIRE	WI		54703
***	***	Spartanburg	SC		29301
***	***	Newberry	SC		29108
***	***	Spartanburg	SC		29306
***	***	HICKORY CREEK	TX		75065
***	***	LAKELAND	FL		33805
***	***	OKLAHOMA CITY	OK		73120
***	***	STONE MOUNTAIN	GA		30087
***	***	Elyria	OH		44035
***	***	Reynoldsburg	OH		43068
***	***	Newark	NJ		7103
***	***	Jonesboro	GA		30238
***	***	HOUSTON	TX		77075
***	***	CHESTER	VA		23831
***	***	LAS VEGAS	NV		89109
***	***	FAIRBURN	GA		30213
***	***	GERMANTOWN	MD		20874
***	***	BALTIMORE	MD		21212
***	***	STOCKTON	CA		95205
***	***	CORONA (AREA)	CA		92880
***	***	SICKLERVILLE	NJ		8081
***	***	TOBYHANNA	PA		18466
***	***	MANSFIELD	OH		44905
***	***	EL PASO	TX		79938
***	***	INDEPENDENCE	MO		64055
***	***	ARLINGTON	TN		38002
***	***	SILVER SPRING	MD		20906
***	***	CAMBY	IN		46113
***	***	DENVER	CO		80249
***	***	PLANT CITY	FL		33565
***	***	MERCEDES	TX		78570
***	***	BATH	NC		27808
***	***	GAINEVILLE	FL		32608
***	***	LARGO	FL		33771
***	***	LAS VEGAS	NV		89122
***	***	DAYTON	TX		77535
***	***	NOBLESVILLE	IN		46060
***	***	ORLANDO	FL		32820
***	***	HUMMELSTOWN	PA		17036
***	***	COLUMBUS	NC		28722
***	***	HAMMOND	IN		46327
***	***	RIDGEFIELD PARK	NJ		7660
***	***	ANAHEIM	CA		92801
***	***	AMHERST	OH		44001
***	***	SOUTHFIELD	MI		48076
***	***	ATLANTA	GA		30331
***	***	WINCHESTER	KY		40391
***	***	DRY BRANCH	GA		31020
***	***	PORT WASHINGTON	NY		11050
***	***	MURRELLS INLET	SC		29576
***	***	ACWORTH	GA		30101
***	***	GAINESVILLE	GA		30504
***	***	FORT KENT	ME		4743
***	***	LOS ANGELES	CA		90047
***	***	LACEY	WA		98503
***	***	HUGER	SC		29450
***	***	THE DALLES	OR		97058
***	***	KISSIMMEE	FL		34741
***	***	LANCASTER	TX		75146
***	***	WEST ORANGE	NJ		7052
***	***	DEARBORN	MI		48126
***	***	COLUMBIA	SC		29229
***	***	MOUNT VERNON	OH		43050
***	***	WICHITA	KS		67235
***	***	PEMBROKE PINES	FL		33027
***	***	MEMPHIS	TN		38134

Exhibit A-37


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	CHICAGO	IL		60615
***	***	GRAYLING	MI		49738
***	***	MYRTLE BEACH	SC		29588
***	***	MAUMEE	OH		43537
***	***	Friendswood	TX		77546
***	***	Winston-Salem	NC		27105
***	***	Castile	NY		14427
***	***	Sicklerville	NJ		8081
***	***	Beltsville	MD		20705
***	***	Sanborn	NY		14132
***	***	Brooklyn	NY		11203
***	***	Brandywine	MD		20613
***	***	New York	NY		10019
***	***	Wayne	NJ		7470
***	***	Wyncote	PA		19095
***	***	Richmond	VA		23238
***	***	Wayne Township	NJ		7470
***	***	Milton	FL		32570
***	***	JERSEY CITY	NJ		7307
***	***	HEMPSTEAD	NY		11549
***	***	PATERSON	NJ		7514
***	***	TOWNSHIP OF WASHINGTON	NJ		8691
***	***	ABINGDON	MD		21009
***	***	TOWNSHIP OF HAMPTON	NJ		7860
***	***	RIVIERA BEACH	FL		33404
***	***	BRASELTON	GA		30517
***	***	ELIZABETH	NJ		7206
***	***	BEAVERTON	OR		97006
***	***	TOWNSHIP OF EGG HARBOR	NJ		8234
***	***	STATEN ISLAND	NY		10309
***	***	BROOKLYN	NY		11221
***	***	NAZARETH	PA		18064
***	***	ALTAMONTE SPRINGS	FL		32701
***	***	SURF CITY	NJ		8008
***	***	MARTINSBURG	WV		25401
***	***	BOROUGH OF LANSDOWNE	PA		19050
***	***	MIDLOTHIAN	VA		23112
***	***	GARFIELD	NJ		7026
***	***	BROOKLYN	NY		11207
***	***	ELIZABETH	NJ		7208
***	***	TAMPA	FL		33604
***	***	KENDALL PARK	NJ		8824
***	***	PHILADELPHIA	PA		19135
***	***	TOWNSHIP OF STAFFORD	NJ		8050
***	***	NEW YORK	NY		10016
***	***	TRAVELERS REST	SC		29690
***	***	LAKE LAND	FL		33812
***	***	COCONUT CREEK	FL		33073
***	***	MANHATTAN BEACH	CA		90266
***	***	RUCKERSVILLE	VA		22968
***	***	WOODFORD	VA		22580
***	***	RONKONKOMA	NY		11779
***	***	NEW YORK	NY		10002
***	***	PHILADELPHIA	PA		19118
***	***	BRONX	NY		10467
***	***	BROOKLYN	NY		11218
***	***	IRVINGTON	NJ		7111
***	***	PHILADELPHIA	PA		19144
***	***	MILLVILLE	NJ		8332
***	***	SHARON	CT		6069
***	***	HURLEY	NY		12443
***	***	MORRISVILLE	PA		19067
***	***	ARARAT	VA		24053
***	***	WESTWEGO	LA		70094
***	***	ROBERTSVILLE	MO		63072
***	***	AKRON	OH		44314

Exhibit A-38


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	FAYETTE	OH		43521
***	***	MASURY	OH		44438
***	***	MERRILLVILLE	IN		46410
***	***	CANTON	OH		44707
***	***	SAINT LOUIS	MO		63113
***	***	MUSKOGEE	OK		74403
***	***	NICHOLASVILLE	KY		40356
***	***	MILWAUKEE	WI		53209
***	***	COLUMBUS	OH		43232
***	***	AKRON	OH		44306
***	***	FAIRVIEW HEIGHTS	IL		62208
***	***	BOVARD	PA		15619
***	***	FAIRFIELD	OH		45014
***	***	ZALESKI	OH		45698
***	***	CINCINNATI	OH		45205
***	***	CLYO	GA		31303
***	***	MIDDLEBOURN	WV		26149
***	***	GREER	SC		29650
***	***	COLUMBUS	OH		43224
***	***	MONROE	NC		28110
***	***	ELWOOD	IN		46036
***	***	FAIRBORN	OH		45324
***	***	COVINGTON	KY		41015
***	***	DANVILLE	IN		46122
***	***	MADISON	IN		47250
***	***	Houtzdale	PA		16651
***	***	HUNLOCK CREEK	PA		18621
***	***	CLINTON	OH		44216
***	***	FAIRBORN	OH		45324
***	***	OKLAHOMA CITY	OK		73129
***	***	PRAIRIE DU CHIEN	WI		53821
***	***	HAVANA	IL		62644
***	***	SHAKER HEIGHTS	OH		44120
***	***	EKRON	KY		40117
***	***	CHICAGO	IL		60617
***	***	MISSOURI CI	TX		77489
***	***	SCHENECTADY	NY		12306
***	***	REIDSVILLE	NC		27320
***	***	PEORIA	IL		61603
***	***	SMYRNA	TN		37167
***	***	CHARLESTON	SC		29412
***	***	MIDDLETOWN	KY		40243
***	***	FORTVILLE	IN		46040
***	***	NOBLESVILLE	IN		46060
***	***	EAST CLEVELAND	OH		44112
***	***	SPRINGFIELD	OH		45505
***	***	NOVA	OH		44859
***	***	WILLIAMSBURG	OH		45176
***	***	SAUK RAPIDS	MN		56379
***	***	MORROW	GA		30260
***	***	TULSA	OK		74126
***	***	ST LOUIS	MO		63147
***	***	SAPULPA	OK		74066
***	***	CHICAGO	IL		60628
***	***	LORAIN	OH		44055
***	***	SPRINGFIELD	MO		65802
***	***	FLORISSANT	MO		63033
***	***	GALESBURG	IL		61401
***	***	COSBY	TN		37722
***	***	OXFORD	GA		30054
***	***	CINCINNATI	OH		45215
***	***	TOLEDO	OH		43608
***	***	CLEVELAND	OH		44104
***	***	CRESTON	OH		44217
***	***	ALLIANCE	OH		44601
***	***	LAYTON	UT		84040

Exhibit A-39


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SAINT LOUIS	MO		63120
***	***	HAZELWOOD	MO		63042
***	***	ST LOUIS	MO		63137
***	***	KERNERSVILLE	NC		27284
***	***	NORTH LEWISBURG	OH		43060
***	***	CHICAGO	IL		60651
***	***	ALBERT LEA	MN		56007
***	***	TUCSON	AZ		85743
***	***	STATESVILLE	NC		28625
***	***	TERRE HAUTE	IN		47802
***	***	GARY	IN		46409
***	***	GARRETTSVILLE	OH		44231
***	***	MEMPHIS	TN		38127
***	***	CLEVELAND	OH		44102
***	***	DURHAM	NC		27703
***	***	HOPEWELL	VA		23660
***	***	COLUMBIA	SC		29203
***	***	GEORGETOWN	SC		29440
***	***	DULUTH	MN		55807
***	***	INDEPENDENCE	MO		64055
***	***	JEFFERSONVILLE	IN		47130
***	***	KINGS MOUNTAIN	NC		28086
***	***	HAMMOND	LA		70401
***	***	PINEVILLE	LA		71360
***	***	NEWBERRY	SC		29108
***	***	POLLOCK	LA		71467
***	***	WINNSBORO	SC		29180
***	***	New Freeport	PA		15352
***	***	BLYTHEWOOD	SC		29016
***	***	ALEXANDRIA	LA		71360
***	***	BALTIMORE	MD		21207
***	***	MANITOWOC	WI		54220
***	***	CINCINNATI	OH		45243
***	***	LIVONIA	MI		48154
***	***	BETHEL	OH		45106
***	***	WHITES CREEK	TN		37189
***	***	PITTSBURGH	PA		15227
***	***	KNOXVILLE	TN		37923
***	***	ST LOUIS	MO		63111
***	***	ST LOUIS	MO		63115
***	***	ALBUQUERQUE	NM		87121
***	***	SAINT LOUIS	MO		63138
***	***	PHILADELPHIA	PA		19143
***	***	MIAMI	FL		33176
***	***	BLACKFOOT	ID		83221
***	***	MACOMB	MI		48044
***	***	CLEVELAND	OH		44108
***	***	STOUTSVILLE	OH		43154
***	***	EVANSVILLE	IN		47711
***	***	LONDON	KY		40741
***	***	GREENSBURG	IN		47240
***	***	AKRON	OH		44307
***	***	ZANESVILLE	OH		43701
***	***	CINCINNATI	OH		45217
***	***	MENTOR	OH		44060
***	***	VERONA	KY		41092
***	***	YOUNGSTOWN	OH		44512
***	***	MILFORD CENTER	OH		43045
***	***	SHREVEPORT	LA		71118
***	***	GARYVILLE	LA		70051
***	***	STONEWALL	LA		71078
***	***	PITTSBURGH	PA		15201
***	***	GRENADA	MS		38901
***	***	MADISON	IN		47250
***	***	PALMYRA	WI		53156
***	***	CHICAGO	IL		60620

Exhibit A-40


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	EAST LIVERPOOL	OH		43920
***	***	VANDALIA	OH		45377
***	***	FORT COLLINS	CO		80521
***	***	GARY	IN		46409
***	***	RUSHVILLE	IN		46173
***	***	MICHIGAN CITY	IN		46360
***	***	GREENWOOD	IN		46142
***	***	MACON	GA		31201
***	***	MEMPHIS	TN		38118
***	***	MANSFIELD	OH		44905
***	***	NORTH CANTON	OH		44720
***	***	BALTIMORE	OH		43105
***	***	WABASH	IN		46992
***	***	SEBRING	OH		44672
***	***	SPRINGFIELD	OH		45505
***	***	THORNVILLE	OH		43076
***	***	COLUMBUS	OH		43232
***	***	FRANKLIN	OH		45005
***	***	TROY	OH		45373
***	***	CANTON	OH		44706
***	***	RENVILLE	MN		56284
***	***	CONCORD	NC		28025
***	***	CLEVELAND	OH		44112
***	***	MENASHA	WI		54952
***	***	JOLIET	IL		60432
***	***	LEBANON	OH		45036
***	***	SPINDALE	NC		28160
***	***	HARRISON	OH		45030
***	***	KEITHVILLE	LA		71047
***	***	MONROE	VA		24574
***	***	CONNELLSVILLE	PA		15425
***	***	OVERLAND PARK	KS		66207
***	***	CLEVELAND	OH		44104
***	***	CLEVELAND	OH		44103
***	***	POMARIA	SC		29126
***	***	NORTH EAST	PA		16428
***	***	HERMITAGE	TN		37076
***	***	DOVER	TN		37058
***	***	HUNTINGTON	IN		46750
***	***	WEST CARROLLTON	OH		45449
***	***	SPRINGFIELD	OH		45505
***	***	LOVELAND	OH		45140
***	***	PHILA	PA		19143
***	***	BEAVERTON	MI		48612
***	***	GRATIS	OH		45330
***	***	WEST PITTSTON	PA		18643
***	***	CLEVELAND	OH		44120
***	***	CINCINNATI	OH		45229
***	***	INDEPENDENC	MO		64050
***	***	HOUSTON	TX		77040
***	***	JASPER	MI		49248
***	***	DURHAM	NC		27707
***	***	AKRON	OH		44314
***	***	MANSFIELD	OH		44906
***	***	MUSKEGON HEIGHTS	MI		49444
***	***	Poy Sippi	WI		54967
***	***	BROKEN ARROW	OK		74012
***	***	INDIANAPOLIS	IN		46237
***	***	MARION	SC		29571
***	***	TULSA	OK		74106
***	***	WEWOKA	OK		74884
***	***	COLUMBIA	SC		29203
***	***	TOLEDO	OH		43612
***	***	DOYLESTOWN	OH		44230
***	***	DAYTON	OH		45404
***	***	TOLEDO	OH		43613

Exhibit A-41


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	HUTCHINSON	KS		67501
***	***	PERRYOPOLIS	PA		15473
***	***	SPINDALE	NC		28160
***	***	JOHNSTOWN	PA		15902
***	***	ST LOUIS	MO		63120
***	***	SOUTHFIELD	MI		48075
***	***	NATICK	MA		1760
***	***	COLUMBIA	SC		29223
***	***	MONTICELLO	IN		47960
***	***	BARBERTON	OH		44203
***	***	BETTSVILLE	OH		44815
***	***	MARYSVILLE	OH		43040
***	***	DAYTON	OH		45406
***	***	ENORIE	SC		29335
***	***	MIDWAY	GA		31320
***	***	WESTLAKE	LA		70669
***	***	TRINITY	NC		27370
***	***	FARMVILLE	VA		23901
***	***	GREENVILLE	TN		37743
***	***	APISON	TN		37302
***	***	GARY	IN		46410
***	***	ST JOSEPH	MO		64505
***	***	HIGHLAND PARK	MI		48203
***	***	SUMMIT	MS		39666
***	***	FLORAL CITY	FL		34436
***	***	OLD HICKORY	TN		37138
***	***	BRADFORD	OH		45308
***	***	PITTSBURGH	PA		15221
***	***	JACKSONVILL	FL		32210
***	***	DETROIT	MI		48205
***	***	FORT WAYNE	IN		46808
***	***	PENSACOLA	FL		32505
***	***	LINCOLNTON	GA		30817
***	***	OPELOUSAS	LA		70570
***	***	LABELLE	FL		33975
***	***	VALDOSTA	GA		31601
***	***	TYLERTOWN	MS		39667
***	***	SOLON	OH		44139
***	***	DAYTON	OH		45404
***	***	OLATHE	KS		66062
***	***	BENSALEM TOWNSHIP	PA		19020
***	***	OCALA	FL		34480
***	***	PHILADELPHIA	PA		19120
***	***	ORANGEBURG	SC		29115
***	***	HOUSTON	TX		77012
***	***	Edinburg	TX		78539
***	***	COLUMBUS	OH		43227
***	***	YAPHANK	NY		11980
***	***	BRADLEY BEACH	NJ		7720
***	***	OREFIELD	PA		18069
***	***	Far Rockaway	NY		11694
***	***	Somerset	NJ		8873
***	***	SAN ANTONIO	TX		78247
***	***	Rockaway	NJ		7866
***	***	BLADENSBURG	MD		20710
***	***	ALTAMONTE SPRINGS	FL		32714
***	***	CITY OF VERNON ROCKVILLE	CT		6066
***	***	LINDENWOLD	NJ		8021
***	***	BRENTWOOD	NY		11717
***	***	CITY OF REVERE	MA		2151
***	***	HATBORO	PA		19040
***	***	NEW HAVEN	CT		6511
***	***	SPRINGFIELD	MA		1104
***	***	MAPLE GROVE	MN		55369
***	***	BROOKLYN	NY		11235
***	***	FORT WORTH	TX		76103

Exhibit A-42


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	ROCKY MOUNT	NC		27801
***	***	LEWISBERRY	PA		17339
***	***	YORK	PA		17404
***	***	OAKLAND PARK	FL		33309
***	***	SEYMOUR	TN		37865
***	***	INDIANAPOLIS	IN		46235
***	***	Compton	CA		90222
***	***	Norfolk	VA		23503
***	***	PERKASIE	PA		18944
***	***	COLLEGEVILLE	PA		19426
***	***	FOREST	MS		39074
***	***	WEST HARTFORD	CT		6117
***	***	OXFORD	GA		30054
***	***	KATY	TX		77494
***	***	MIAMI	FL		33196
***	***	FRANKLIN	TN		37067
***	***	LITCHFIELD PARK	AZ		85340
***	***	ROUND ROCK	TX		78664
***	***	HOT SPRINGS	AR		71913
***	***	ATTALLA	AL		35954
***	***	LITTLE ORLEANS	MD		21766
***	***	ELKINS	WV		26241
***	***	SAN ANTONIO	TX		78250
***	***	DALLAS	TX		75214
***	***	Trotwood	OH		45426
***	***	Borough of Avis	PA		17721
***	***	WENTZVILLE	MO		63385
***	***	Sheboygan	WI		53081
***	***	PITTSFIELD	NH		3263
***	***	Americus	GA		31719
***	***	MC DONALD	PA		15057
***	***	NEW TRIPOLI	PA		18066
***	***	Indianapolis	IN		46222
***	***	Bishopville	SC		29010
***	***	Vancouver	WA		98684
***	***	Orlando	FL		32805
***	***	Red Bank	NJ		7701
***	***	Aberdeen	MD		21001
***	***	NEWVILLE	AL		36353
***	***	BUENA BOROUGH	NJ		8360
***	***	ROWLETT	TX		75089
***	***	MIAMI	FL		33165
***	***	DEERFIELD BEACH	FL		33442
***	***	Putnam	CT		6260
***	***	WALTON	KY		41094
***	***	Kill Devil Hills	NC		27948
***	***	La Porte	IN		46350
***	***	Borough of Saddle River	NJ		7458
***	***	Palm Desert	CA		92260
***	***	Town of Islip	NY		11717
***	***	Twp of Lower Macungie	PA		18011
***	***	Township of Uwchlan	PA		19341
***	***	Newark	NJ		7108
***	***	Newark	NJ		7106
***	***	JACKSON	MI		49202
***	***	LUBBOCK	TX		79416
***	***	Feasterville	PA		19053
***	***	Jasper	TX		75951
***	***	Monroe	LA		71203
***	***	BROCKTON	MA		2302
***	***	Stanhope	NJ		7874
***	***	Delanco Township	NJ		8075
***	***	REDONDO BEA	CA		90277
***	***	DALLAS	TX		75228
***	***	Stockbridge	GA		30281
***	***	TRUSSVILLE	AL		35173

Exhibit A-43


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SPRINGVILLE	AL		35146
***	***	GARLAND	TX		75041
***	***	Lampe	MO		65681
***	***	PORT DEPOSIT	MD		21904
***	***	HOUSTON	TX		77053
***	***	Attleboro	MA		2703
***	***	LITHONIA	GA		30058
***	***	SEAFORD	DE		19973
***	***	LOS ANGELES	CA		90001
***	***	AKRON	OH		44306
***	***	SCHUYLKILL HAVEN	PA		17972
***	***	MT IDA	AR		71957
***	***	CHICAGO	IL		60619
***	***	SPRING HILL	FL		34608
***	***	Maypearl	TX		76064
***	***	Pine Forge	PA		19548
***	***	Seminole	FL		33772
***	***	Wantage Twp	NJ		7461
***	***	Doylestown	PA		18901
***	***	Houston	TX		77084
***	***	Toronto	OH		43964
***	***	LAS VEGAS	NV		89104
***	***	Brooklyn	NY		11212
***	***	Goldsboro	NC		27530
***	***	Lansdale	PA		19446
***	***	Frederick	MD		21702
***	***	Yeardon Borough	PA		19050
***	***	Woodbridge	VA		22191
***	***	Borough of Manhattan	NY		10024
***	***	Mullica Twp	NJ		8215
***	***	Philadelphia	PA		19154
***	***	Baltimore	MD		21207
***	***	Paterson	NJ		7501
***	***	Winslow Township	NJ		8081
***	***	Upper Macungie Twp	PA		18069
***	***	Westtown	NY		10998
***	***	CHELTENHAM	PA		19012
***	***	TOWN OF HUNTINGTON	NY		11746
***	***	GERMANSVILLE	PA		18053
***	***	BROOKLYN	NY		11234
***	***	SAN BRUNO	CA		94066
***	***	PHILADELPHIA	PA		19148
***	***	PHILADELPHIA	PA		19119
***	***	HACKENSACK	NJ		7601
***	***	BEAUFORT	SC		29906
***	***	WEST CHESTER	PA		19380
***	***	GAITHERSBURG	MD		20879
***	***	BOLTON LANDING	NY		12814
***	***	TOWN OF ROSENDALE	NY		12472
***	***	NEWARK	NJ		7107
***	***	NORTH PATCHOGUE	NY		11772
***	***	WOODBURY	NJ		8096
***	***	HAMPTON	VA		23661
***	***	CHESAPEAKE	VA		23323
***	***	BRIDGEPORT	WV		26330
***	***	WIND GAP	PA		18091
***	***	ROCKY POINT	NY		11778
***	***	BOROUGH OF FOLSOM	NJ		8094
***	***	BROOKLYN	NY		11236
***	***	BASKING RIDGE	NJ		7920
***	***	TOWNSHIP OF WALL	NJ		7719
***	***	COLORADO SPRINGS	CO		80918
***	***	ORANGE	NJ		7050
***	***	PENNSAUKEN	NJ		8109
***	***	WILMINGTON	NC		28412
***	***	YORK	PA		17403

Exhibit A-44


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	WESTBURY	NY		11590
***	***	DUMONT	NJ		7628
***	***	TOWN OF MONTCLAIR	NJ		7042
***	***	OLYMPIA	WA		98503
***	***	TOWN OF BABYLON	NY		11702
***	***	SHARON HILL BOROUGH	PA		19079
***	***	CHALFONT	PA		18914
***	***	SELMA	OR		97538
***	***	BELLPORT	NY		11713
***	***	CITY OF STAUNTON	VA		24401
***	***	TRENTON	NJ		8629
***	***	PHILADELPHIA	PA		19125
***	***	POMPTON PLAINS	NJ		7444
***	***	SPARTA	NJ		7871
***	***	HACKETTSTOWN	NJ		7840
***	***	TOWNSHIP OF LOWER	NJ		8251
***	***	METUCHEN	NJ		8840
***	***	ISLIP TERRACE	NY		11752
***	***	CITY OF FRANCONIA	NH		3580
***	***	WOODBRIDGE	NJ		7095
***	***	COLUMBIA	MD		21044
***	***	LAKEVILLE	MA		2347
***	***	BROCKTON	MA		2301
***	***	BROOKLYN	NY		11216
***	***	PHILADELPHIA	PA		19147
***	***	EAST HARTFORD	CT		6108
***	***	BERGENFIELD	NJ		7621
***	***	STATEN ISLAND	NY		10301
***	***	BROOKLYN	NY		11237
***	***	TOMS RIVER	NJ		8753
***	***	TAMPA	FL		33614
***	***	OXFORD	PA		19363
***	***	UPPER MARLBORO	MD		20772
***	***	ANNAPOLIS	MD		21409
***	***	COLONIA	NJ		7067
***	***	WYANDANCH	NY		11798
***	***	SCRANTON	PA		18510
***	***	BEACHWOOD	NJ		8722
***	***	GREAT BARRINGTON	MA		1230
***	***	DEERFIELD BEACH	FL		33441
***	***	STRATFORD	CT		6614
***	***	HAMPSTEAD	NC		28443
***	***	CHELSEA	MA		2150
***	***	LAKE ARIEL	PA		18436
***	***	ELIZABETH	NJ		7208
***	***	CENTREVILLE	MI		49032
***	***	NORRISTOWN	PA		19401
***	***	ALLENTOWN	PA		18103
***	***	WHITE HAVEN	PA		18661
***	***	HARTFORD	CT		6112
***	***	POUGHKEEPSIE	NY		12603
***	***	CORTLANDT MANOR	NY		10567
***	***	BALTIMORE	MD		21212
***	***	FREEHOLD	NJ		7728
***	***	PHILADELPHIA	PA		19154
***	***	WOODBINE	NJ		8270
***	***	NEWPORT NEWS	VA		23608
***	***	OCEAN VIEW	NJ		8230
***	***	BROOKLYN	NY		11210
***	***	ENGLEWOOD	NJ		7631
***	***	TOMS RIVER	NJ		8757
***	***	BRISTOL	PA		19007
***	***	BRONX	NY		10456
***	***	RICHMOND	VA		23231
***	***	MEDIA	PA		19063
***	***	RIDGEWOOD	NY		11385

Exhibit A-45


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	WILMINGTON	DE		19806
***	***	NEWPORT NEWS	VA		23601
***	***	COLUMBIA	CT		6237
***	***	NORRISTOWN	PA		19403
***	***	MOOREFIELD	WV		26836
***	***	PHILADELPHIA	PA		19152
***	***	Lock Haven	PA		17745
***	***	Glen Rock	NJ		7452
***	***	Richfield	PA		17086
***	***	Township of Hillside	NJ		7205
***	***	SALEM	NY		12865
***	***	EASTON	PA		18042
***	***	KENILWORTH	NJ		7033
***	***	DREXEL HILL	PA		19026
***	***	CENTRAL ISLIP	NY		11722
***	***	LAWRENCE	MA		1843
***	***	SOUTH GLENS FALLS	NY		12803
***	***	MORRISVILLE	PA		19067
***	***	PITTSGROVE	NJ		8318
***	***	BROOKLYN	NY		11236
***	***	BROOKLYN	NY		11208
***	***	AFTON	VA		22920
***	***	Wethersfield	CT		6109
***	***	Brooklyn	NY		11221
***	***	POND EDDY	NY		12770
***	***	TOWN OF ENFIELD	CT		6082
***	***	BALTIMORE	MD		21215
***	***	ANSONIA	CT		6401
***	***	Closter	NJ		7624
***	***	Land O’Lakes	FL		34639
***	***	Titusville	FL		32780
***	***	Brighton	MA		2136
***	***	Valrico	FL		33594
***	***	Town of Hempstead	NY		11756
***	***	Levittown	PA		19054
***	***	Philadelphia	PA		19115
***	***	Charlotte	NC		28202
***	***	New Rochelle	NY		10801
***	***	Washington	NJ		7882
***	***	AMBLER	PA		19002
***	***	ALAMO	CA		94507
***	***	VAUXHALL	NJ		7088
***	***	PHILADELPHIA	PA		19143
***	***	White Plains	NY		10607
***	***	Philadelphia	PA		19114
***	***	Puyallup	WA		98375
***	***	BIG SPRING	TX		79720
***	***	LOS ANGELES	CA		90023
***	***	DELTONA	FL		32738
***	***	Eleanor	WV		25070
***	***	NEWPORT NEWS	VA		23608
***	***	INGLEWOOD	CA		90304
***	***	SNOHOMISH	WA		98290
***	***	RADIANT	VA		22732
***	***	DISTRICT HEIGHTS	MD		20747
***	***	NORFOLK	VA		23502
***	***	CUMBERLAND	RI		2864
***	***	Summerville	SC		29483
***	***	Livingston	TX		77351
***	***	ATOKA	OK		74525
***	***	Cresson	PA		16630
***	***	ANCHORAGE	AK		99507
***	***	AUBURN	ME		4210
***	***	BRONX	NY		10462
***	***	CHICAGO	IL		60621
***	***	NEWBERRY	SC		29108

Exhibit A-46


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SAN ANTONIO	TX		78233
***	***	MANCHESTER	CT		6040
***	***	BARNWELL	SC		29812
***	***	JOLIET	IL		60436
***	***	TOMBALL	TX		77354
***	***	SURFSIDE BEACH	TX		77541
***	***	CHICAGO	IL		60619
***	***	SYRACUSE	NY		13202
***	***	Connersville	IN		47331
***	***	COMMERCE TW	MI		48382
***	***	Cleveland	MS		38732
***	***	Pflugerville	TX		78660
***	***	Pittston	PA		18640
***	***	Macon	GA		31210
***	***	Guyton	GA		31312
***	***	Cherryville	NC		28021
***	***	Fulton	MS		38843
***	***	RAHWAY	NJ		7065
***	***	Plain City	OH		43064
***	***	CENTRAL CITY	KY		42330
***	***	BOWLING GREEN	KY		42104
***	***	GULFPORT	MS		39501
***	***	BRIGHTON	IL		62012
***	***	Peachtree City	GA		30269
***	***	Grain Valley	MO		64029
***	***	MEMPHIS	TN		38118
***	***	SHERWOOD	AR		72120
***	***	OKLAHOMA CITY	OK		73109
***	***	DETROIT	MI		48238
***	***	PITTSBURGH	PA		15201
***	***	BEAVER FALLS	PA		15010
***	***	WATERFORD	MI		48327
***	***	OMAHA	NE		68104
***	***	BLYTHEVILLE	AR		72315
***	***	INDIANAPOLIS	IN		46208
***	***	LANSING	MI		48912
***	***	Montrose	CO		81401
***	***	Norco	CA		92860
***	***	Sheridan	IN		46069
***	***	CLEVELAND	OH		44128
***	***	Lavaca	AR		72941
***	***	St. Louis	MO		63112
***	***	ECRU	MS		38841
***	***	BARNESVILLE	OH		43713
***	***	St. Louis	MO		63130
***	***	Amityville	NY		11701
***	***	ADA	OK		74820
***	***	Denver	CO		80221
***	***	NORTH FORK	CA		93643
***	***	GLENWOOD SPRINGS	CO		81601
***	***	ALLEN PARK	MI		48101
***	***	BERKELEY SPRINGS	WV		25411
***	***	TUSCALOOSA	AL		35406
***	***	RIVERSIDE	CA		92504
***	***	LOS ANGELES	CA		90043
***	***	ELLENWOOD	GA		30294
***	***	ORLANDO	FL		32818
***	***	FRESNO	CA		93706
***	***	INDEPENDENCE	MO		64050
***	***	ANTIOCH	IL		60002
***	***	FORT LAUDERDALE	FL		33309
***	***	MEMPHIS	TN		38127
***	***	TIPP CITY	OH		45371
***	***	MCALLEN	TX		78504
***	***	MIRAMAR	FL		33023
***	***	FORT MYERS	FL		33912

Exhibit A-47


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	HUNTLEY	IL		60142
***	***	VIRGINIA BEACH	VA		23454
***	***	COLUMBIA	SC		29203
***	***	PALMDALE	CA		93550
***	***	FREEHOLD	NJ		7728
***	***	VERSAILLES	MO		65084
***	***	AKRON	OH		44312
***	***	NORTH LAKE	IL		60164
***	***	MINNEAPOLIS	MN		55411
***	***	ROCKINGHAM	NC		28379
***	***	MORRICE	MI		48857
***	***	ELLETTSVILLE	IN		47429
***	***	SOMERSET	NJ		8873
***	***	JOLIET	IL		60431
***	***	DOVER	NJ		7801
***	***	ELLENWOOD	GA		30294
***	***	Norfolk	VA		23504
***	***	Hampton	VA		23666
***	***	BALTIMORE	MD		21206
***	***	FLAGSTAFF	AZ		86004
***	***	AKRON	OH		44319
***	***	DETROIT	MI		48234
***	***	Durham	NC		27705
***	***	Jamestown	NC		27282
***	***	Pennsauken Township	NJ		8109
***	***	Village of Monroe	NY		10950
***	***	Cherry Hill	NJ		8003
***	***	Verbank	NY		12585
***	***	Queens	NY		11434
***	***	Worcester	MA		1605
***	***	Town of Cortland	NY		10547
***	***	Saint Petersburg	FL		33712
***	***	NORWICH	CT		6360
***	***	SURFSIDE	FL		33154
***	***	BROOMALL	PA		19008
***	***	TOWNSHIP OF WAYNE	NJ		7470
***	***	FREDERICKSBURG	VA		22405
***	***	TAMPA	FL		33624
***	***	MADISON	GA		30650
***	***	ELIZABETH	NJ		7202
***	***	HAMILTON TOWNSHIP	NJ		8629
***	***	SOUTH ORANGE	NJ		7079
***	***	LAKE ARIEL	PA		18436
***	***	NEW HAVEN	CT		6511
***	***	BROOKLYN	NY		11216
***	***	ATLANTA	GA		30311
***	***	MATAWAN	NJ		7747
***	***	CHESAPEAKE BEACH	MD		20732
***	***	MIDDLE ISLAND	NY		11953
***	***	SOMERDALE	NJ		8083
***	***	JAMAICA	NY		11433
***	***	MIAMI	FL		33193
***	***	BALTIMORE	MD		21222
***	***	CIT OF ASBURY PARK	NJ		7712
***	***	FORSYTH	GA		31029
***	***	PALM BAY	FL		32907
***	***	HAMPTON	VA		23669
***	***	SAN DIEGO	CA		92101
***	***	TALLAHASSEE	FL		32310
***	***	OCEAN VIEW	DE		19970
***	***	COOPERSBURG	PA		18036
***	***	MARLBOROUGH	MA		1752
***	***	WHITMAN	MA		2382
***	***	ELMIRA	OR		97437
***	***	SEVERNA PARK	MD		21146
***	***	LANTANA	FL		33462

Exhibit A-48


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	BRIDGEPORT	CT		6608
***	***	BROOKLYN	NY		11207
***	***	PHILADELPHIA	PA		19120
***	***	MOUNT VERNON	NY		10553
***	***	PHILADELPHIA	PA		19145
***	***	SPRINGVILLE	CA		93265
***	***	HOLTSVILLE	NY		11742
***	***	STRATFORD	CT		6615
***	***	BELLMAWR	NJ		8031
***	***	JAMAICA	NY		11433
***	***	SOUTH DENNIS	MA		2660
***	***	LORTON	VA		22079
***	***	PEEKSKILL	NY		10566
***	***	HARTFORD	CT		6106
***	***	WILLINGBORO	NJ		8046
***	***	DOWNINGTOWN	PA		19335
***	***	HAVERSTRAW	NY		10927
***	***	MARTINSBURG	WV		25401
***	***	REGO PARK	NY		11374
***	***	PHILADELPHIA	PA		19151
***	***	APPLE VALLEY	CA		92308
***	***	EGG HARBOR TOWNSHIP	NJ		8234
***	***	HEMPSTEAD	NY		11550
***	***	PROSPECT PARK	PA		19076
***	***	POMONA	NY		10970
***	***	BEAUMONT	CA		92223
***	***	ORLANDO	FL		32818
***	***	ROCKINGHAM	NC		28379
***	***	MOUNT AIRY	MD		21771
***	***	JERSEY CITY	NJ		7306
***	***	BALTIMORE	MD		21234
***	***	FARMVILLE	VA		23901
***	***	SNELLVILLE	GA		30039
***	***	IDAHO FALLS	ID		83401
***	***	CARBONDALE	KS		66414
***	***	Channelview	TX		77530
***	***	GREENSBORO	NC		27406
***	***	PORT ARTHUR	TX		77642
***	***	Inman	SC		29349
***	***	Dryden	MI		48428
***	***	Mount Morris	MI		48458
***	***	CHICAGO	IL		60636
***	***	PERRIS	CA		92570
***	***	BLUE RIDGE	VA		24064
***	***	OMAHA	NE		68111
***	***	Clinton	NC		28328
***	***	Tamarac	FL		33321
***	***	Canton	GA		30115
***	***	KATY	TX		77449
***	***	BRONX	NY		10475
***	***	MINNEAPOLIS	MN		55406
***	***	WAVERLY	VA		23890
***	***	VIRGINIA BEACH	VA		23453
***	***	WESLACO	TX		78596
***	***	SPOTSYLVANIA	VA		22553
***	***	TYLER	MN		56178
***	***	ROMEOVILLE	IL		60441
***	***	MIAMI BEACH	FL		33141
***	***	PERRY HALL	MD		21128
***	***	JERSEY CITY	NJ		7305
***	***	MIAMI	AZ		85539
***	***	Greensboro	NC		27403
***	***	Sumter	SC		29154
***	***	CRAWFORD	GA		30630
***	***	Wyoming	MI		49509
***	***	Nutley	NJ		7110

Exhibit A-49


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	WINSTON-SAL	NC		27105
***	***	WINSTON SAL	NC		27105
***	***	NORWALK	OH		44857
***	***	KENNER	LA		70065
***	***	CHICAGO	IL		60609
***	***	PORT LEYDEN	NY		13433
***	***	LAURINBURG	NC		28352
***	***	MANSON	NC		27553
***	***	Colorado Springs	CO		80910
***	***	SWARTZ CREEK	MI		48473
***	***	Fayetteville	NC		28304
***	***	ROLLING FORK	MS		39159
***	***	HUNTINGTON	IN		46750
***	***	HICKORY	NC		28602
***	***	NORWALK	CT		6854
***	***	EAST ORANGE	NJ		70172
***	***	BIRNAMWOOD	WI		55144
***	***	COLUMBIA	SC		29223
***	***	OGDEN	NY		14559
***	***	LITHONIA	GA		30058
***	***	Newtonville	NJ		8346
***	***	DALLAS	TX		75241
***	***	ADA	OK		74820
***	***	SUMTER	SC		29150
***	***	ORANGEBURG	SC		29118
***	***	NEW CARROLLTON	MD		20784
***	***	BUFFALO	NY		14207
***	***	STONE MOUNTAIN	GA		30088
***	***	NEW CASTLE	DE		19720
***	***	TROTWOOD	OH		45426
***	***	TOLEDO	OH		43623
***	***	IVORYTON	CT		6442
***	***	AUSTIN	TX		78758
***	***	Spicewood	TX		78669
***	***	FLORAL CITY	FL		34436
***	***	Montgomery	TX		77356
***	***	PINELLAS PARK	FL		33781
***	***	TAMPA	FL		33610
***	***	ROYAL PALM BEACH	FL		33441
***	***	MIAMI	FL		33142
***	***	WEST PALM BEACH	FL		33417
***	***	RALEIGH	NC		27610
***	***	LITITZ	PA		17543
***	***	MAULDIN	SC		29662
***	***	RICHMOND	VA		23228
***	***	IVA	SC		29655
***	***	ARVADA	CO		80003
***	***	JANESVILLE	WI		53546
***	***	LADYSMITH	WI		54848
***	***	KINGSLAND	GA		31548
***	***	ALBEMARLE	NC		28001
***	***	CROGHAN	NY		13327
***	***	CHARLOTTE	NC		28216
***	***	CINCINNATI	OH		45215
***	***	EAST PEORIA	IL		61611
***	***	IVA	SC		29655
***	***	FORT MYERS	FL		33907
***	***	CAMDEN	NC		27921
***	***	HIALEAH	FL		33015
***	***	ALEXANDRIA	VA		22310
***	***	ALSTEAD	NH		3602
***	***	Township of Gwynedd	PA		19446
***	***	BUTLER	PA		16033
***	***	FREDERICKSBURG	VA		22405
***	***	STATEN ISLAND	NY		10314
***	***	PHILADELPHIA	PA		19150

Exhibit A-50


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	RALEIGH	NC		27610
***	***	LISBON	OH		44432
***	***	GREENSBORO	NC		27405
***	***	FLINT	MI		48507
***	***	UNIONTOWN	OH		44685
***	***	CITY OF TRENTON	NJ		8618
***	***	EAST PEORIA	IL		61611
***	***	UNCASVILLE	CT		6382
***	***	DELTA	CO		81416
***	***	NORFOLK	VA		23504
***	***	NEWNAN	GA		30263
***	***	OLMSTED FALLS	OH		44138
***	***	HAMTRAMCK	MI		48212
***	***	HENDERSONVILLE	TN		37075
***	***	HARRISBURG	PA		17111
***	***	CASA GRANDE	AZ		85222
***	***	WAGGAMAN	LA		70094
***	***	PINELLAS PARK	FL		33781
***	***	MOUNT ULLA	NC		28125
***	***	CHICAGO	IL		60620
***	***	EAST STROUDSBERG	PA		18302
***	***	PASCO	WA		99301
***	***	PHILADELPHIA	PA		19149
***	***	BLUE BELL	PA		19422
***	***	CHICAGO	IL		60638
***	***	COLORADO SPRINGS	CO		80909
***	***	FOSTER CITY	CA		94404
***	***	WINTHROP	MA		2152
***	***	SCITUATE	MA		2066
***	***	WARREN	AR		71671
***	***	HUNTSVILLE	AL		35811
***	***	GASTONIA	NC		99999
***	***	AKRON	OH		44314
***	***	ROCHESTER	NY		14624
***	***	CROMWELL	CT		6416
***	***	CLEVELAND	OH		44128
***	***	NEW BRIGHTO	PA		15066
***	***	CHARLOTTE	NC		28212
***	***	MANISTEE	MI		49660
***	***	SWEETWATER	TN		37874
***	***	Jacksonville	FL		32219
***	***	Cincinnati	OH		45223
***	***	Disputanta	VA		23842
***	***	ZIONSVILLE	PA		18092
***	***	Pompano Beach	FL		33062
***	***	Alexandria	IN		46001
***	***	SEATTLE	WA		98118
***	***	Milwaukee	WI		53210
***	***	Little Rock	AR		72204
***	***	Gainesville	GA		30507
***	***	SIMPSONVILLE	SC		29680
***	***	NEW PORT RICHEY	FL		34654
***	***	West Jefferson	NC		28694
***	***	Houston	TX		77095
***	***	Cleveland	MS		38732
***	***	Woodbury	NJ		8096
***	***	BILOXI	MS		39531
***	***	NAMPA	ID		83686
***	***	SHELTON	WA		98584
***	***	Wasilla	AK		99654
***	***	GAINESVILLE	FL		32609
***	***	EVANSVILLE	IN		47711
***	***	MORRISTOWN	TN		37814
***	***	CLINTON	IN		47842
***	***	SPRING HILL	FL		34609
***	***	ALLENTOWN	PA		18103

Exhibit A-51


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	ROYSE CITY	TX		75189
***	***	BEAUMONT	TX		77708
***	***	TRYON	NE		69167
***	***	PALATKA	FL		32177
***	***	Roanoke	VA		24017
***	***	Mokena	IL		60448
***	***	OXNARD	CA		93030
***	***	WASHINGTON	CT		6777
***	***	WORTHINGTON	KY		41183
***	***	GUTTENBERG	IA		52052
***	***	Dover Township	NJ		8755
***	***	Township of Washington	NJ		7853
***	***	Princeton	KY		42445
***	***	Conshohocken	PA		19428
***	***	Harpers Ferry	WV		25425
***	***	Philadelphia	PA		19153
***	***	Garden City Park	NY		11040
***	***	DALTON	OH		44618
***	***	OLD HICKORY	TN		37138
***	***	GRAYSON	GA		30017
***	***	CHICAGO	IL		60608
***	***	DUNN	NC		28334
***	***	TYLER	TX		75709
***	***	DAVENPORT	IA		52804
***	***	GRIFFIN	GA		30223
***	***	BARTOW	FL		33830
***	***	MUNCIE	IN		47302
***	***	WARTBURG	TN		37887
***	***	CINCINNATI	OH		45211
***	***	CINCINNATI	OH		45237
***	***	WAHOO	NE		68066
***	***	FRANKLINVILLE	NY		14737
***	***	THORNWOOD	NY		10594
***	***	FLINT	MI		48507
***	***	CHICAGO	IL		60651
***	***	CHILTON	WI		53014
***	***	DENVER	NC		28037
***	***	LOCKNEY	TX		79241
***	***	BOGALUSA	LA		70427
***	***	HAMPTON	GA		30228
***	***	WAVERLY	OH		45690
***	***	OAKLAND CITY	IN		47660
***	***	FLOYD	VA		24091
***	***	KEWAUNEE	WI		54216
***	***	COLUMBUS	OH		43219
***	***	KINGS MOUNTAIN	NC		28086
***	***	ROUGEMONT	NC		27572
***	***	MATTESON	IL		60443
***	***	ANDERSON	IN		46012
***	***	Roxboro	NC		27573
***	***	Inman	SC		29349
***	***	Calumet City	IL		60409
***	***	La Grange	GA		30241
***	***	Philadelphia	PA		19135
***	***	LAWTON	OK		73505
***	***	Katy	TX		77493
***	***	RIO RANCHO	NM		87124
***	***	ATLANTA	GA		30316
***	***	PHOENIX	AZ		85042
***	***	Hubert	NC		28539
***	***	WIXOM	MI		48393
***	***	SEALY	TX		77474
***	***	DE SOTO	IL		62924
***	***	FRESNO	TX		77545
***	***	ORRVILLE	OH		44667
***	***	Twp of Winslow	NJ		8081

Exhibit A-52


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	MEMPHIS	TN		38111
***	***	LOUISVILLE	KY		40220
***	***	LOGAN	OH		43138
***	***	SCRANTON	PA		18510
***	***	MILTON	FL		32583
***	***	DETROIT	MI		48202
***	***	SPRINGFIELD	TN		37172
***	***	BESSEMER	PA		16112
***	***	PORTAGE	IN		46368
***	***	FREDERICKSTOWN	OH		43019
***	***	BAKER	LA		70714
***	***	LITHIA SPRINGS	GA		30122
***	***	HUMBLE	TX		77339
***	***	HOUSTON	TX		77093
***	***	Waller	TX		77484
***	***	Greenville	SC		29605
***	***	Greer	SC		29651
***	***	SEALY	TX		77474
***	***	BITELY	MI		49309
***	***	CHESTERTON	IN		46304
***	***	EASTOVER	SC		29044
***	***	ZANESVILLE	OH		43701
***	***	LOUISVILLE	KY		40204
***	***	LAWTON	OK		73501
***	***	SUNMAN	IN		47041
***	***	KENNER	LA		70065
***	***	CINCINNATI	OH		45247
***	***	MEDINA	OH		44256
***	***	MOOSE LAKE	MN		55767
***	***	CINCINNATI	OH		45240
***	***	OXFORD	NC		27565
***	***	ENID	OK		73703
***	***	BELLEVILLE	WV		26133
***	***	WALKERTON	IN		46574
***	***	CONVERSE	IN		46919
***	***	SALEM	NY		12865
***	***	Albuquerque	NM		87105
***	***	BELPRE	OH		45714
***	***	CAMDEN	SC		29020
***	***	BROXTON	GA		31519
***	***	LUGOFF	SC		29078
***	***	Lawndale	NC		28090
***	***	NEEDVILLE	TX		77461
***	***	GASTONIA	NC		28056
***	***	DUNN	NC		28334
***	***	PIGEON FORG	TN		37876
***	***	TOBYHANNA	PA		18466
***	***	ATLANTA	GA		30316
***	***	LAS VEGAS	NM		87701
***	***	NORTH CHARLESTON	SC		29420
***	***	WAKE FOREST	NC		27587
***	***	LARSEN	WI		54947
***	***	YOUNGSVILLE	NC		27596
***	***	SMITHFIELD	NC		27577
***	***	SUMTER	SC		29150
***	***	SHELBY	OH		44875
***	***	JASPER	GA		30143
***	***	PARIS	TN		38242
***	***	CROWLEY	LA		70526
***	***	Lagrange	GA		30240
***	***	GRAND RAPIDS	MI		49505
***	***	Fort Dodge	IA		50501
***	***	QUINTON	VA		23141
***	***	Newfoundland	PA		18445
***	***	Allentown	PA		18102
***	***	New York	NY		10031

Exhibit A-53


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Maplewood	NJ		7040
***	***	Hatfield	PA		19440
***	***	Virginia Beach	VA		23452
***	***	Caln Township	PA		19355
***	***	Town of Thompson	NY		12775
***	***	Union Township	PA		17267
***	***	Twp of South Beaver	PA		16115
***	***	Westfield	NJ		7090
***	***	Bethlehem	PA		18017
***	***	BEL AIR	MD		21014
***	***	STEWARTSVILLE	NJ		8886
***	***	PHILADELPHIA	PA		19152
***	***	TOWN OF COLONIE	NY		12211
***	***	NEWARK	NJ		7106
***	***	LANSDOWNE	PA		19050
***	***	KNOXVILLE	TN		37914
***	***	BOROUGH OF STATEN ISLAND	NY		10309
***	***	JERSEY CITY	NJ		7304
***	***	ABINGDON	MD		21009
***	***	WEST NEW YORK	NJ		7093
***	***	WOOD RIDGE	NJ		7075
***	***	JOPLIN	MO		64801
***	***	GALLOWAY	NJ		8205
***	***	HOLBROOK	NY		11741
***	***	BLOOMFIELD	NJ		7003
***	***	PHILADELPHIA	PA		19150
***	***	HOLLAND	PA		18966
***	***	BRIDGETON	NJ		8302
***	***	PORT DEPOSIT	MD		21904
***	***	JACKSON	NJ		8527
***	***	BROOKLYN	NY		11212
***	***	CHESAPEAKE	VA		23324
***	***	PHILADELPHIA	PA		19151
***	***	COLLINGSWOOD	NJ		8108
***	***	NORTH MIAMI BEACH	FL		33160
***	***	RICHMOND	VA		23227
***	***	STROUDSBURG	PA		18360
***	***	ROBBINSVILLE	NJ		8691
***	***	SPRINGFIELD	NJ		7081
***	***	HARTFORD	CT		6114
***	***	ELIZABETH CITY	NC		27909
***	***	HOLBROOK	NY		11741
***	***	PHILADELPHIA	PA		19153
***	***	ALEXANDRIA	VA		22310
***	***	MONTGOMERY	AL		36110
***	***	Moorestown	NJ		8057
***	***	Cheshire	CT		6410
***	***	Orient	NY		11957
***	***	WETHERSFIELD	CT		6109
***	***	WALLINGTON	NJ		7057
***	***	PENNSBURG	PA		18073
***	***	GOSHEN	NY		10924
***	***	Lackawanna	NY		14218
***	***	SPRINGFIELD	MA		1128
***	***	FALLING WATERS	WV		25419
***	***	HINGHAM	MA		2043
***	***	Woodbridge	NJ		7095
***	***	East Islip	NY		11730
***	***	Saint Cloud	FL		34771
***	***	Trenton	NJ		8629
***	***	HAVERTOWN	PA		19083
***	***	EAST ELMHURST	NY		11370
***	***	BRADLEY BEACH	NJ		7720
***	***	Hamilton Township	NJ		8610
***	***	ARDMORE	OK		73401
***	***	Ozark	AL		36360

Exhibit A-54


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Taylors	SC		29687
***	***	JACKSONVILLE	FL		32210
***	***	HOPKINS	SC		29061
***	***	OTEGO	NY		13825
***	***	Burke	VA		22015
***	***	Chattanooga	TN		37406
***	***	DES MOINES	IA		50317
***	***	CALDWELL	ID		83607
***	***	HESPERIA	CA		92344
***	***	CITY OF ELKO	NV		89801
***	***	STROUD	PA		18301
***	***	HIGHLAND	WI		53543
***	***	PINE BLUFF	AR		71603
***	***	BRONX	NY		10462
***	***	EAST ORANGE	NJ		7180
***	***	SULLIVAN	NH		3457
***	***	TUCSON	AZ		85739
***	***	Memphis	TN		38133
***	***	SUMTER	SC		29154
***	***	Rex	GA		30273
***	***	CHICAGO	IL		60644
***	***	ST. PETERSBURG	FL		33701
***	***	CAMBRIDGE	MD		21613
***	***	YOUNGSVILLE	NC		27596
***	***	SPENCER	NY		14883
***	***	HERMISTON	OR		97838
***	***	FOXWORTH	MS		39483
***	***	LANSING	MI		48915
***	***	EAST MISSOULA	MT		59802
***	***	SHUBUTA	MS		39360
***	***	CAMDEN-WYOMING	DE		19934
***	***	FORT WORTH	TX		76110
***	***	NORMAN	OK		73069
***	***	Kansas City	MO		64130
***	***	LITHONIA	GA		30058
***	***	HARRISBURG	PA		17110
***	***	COLLEGE PARK	GA		30349
***	***	JACKSONVILLE	FL		32246
***	***	JAMUL	CA		91935
***	***	PHILADELPHIA	PA		19131
***	***	JERSEY CITY	NJ		7307
***	***	HERRIN	IL		62948
***	***	HOLLYWOOD	FL		33023
***	***	HARTSVILLE	SC		29550
***	***	COLUMBIA	SC		29204
***	***	Monroe	NC		28112
***	***	Winston Salem	NC		27103
***	***	Springfield	TN		37172
***	***	GREENVILLE	GA		30222
***	***	NEW ELLENTO	SC		29809
***	***	RIVERDALE	GA		30296
***	***	Mabelvale	AR		72103
***	***	Laredo	TX		78043
***	***	Grand Prairie	TX		75050
***	***	Chicago	IL		60620
***	***	Miami	FL		33056
***	***	JEWETT	OH		43986
***	***	JEWETT	OH		43986
***	***	Houston	TX		77013
***	***	UNION	NJ		7083
***	***	PAMPLIN	VA		23958
***	***	Charles Town	WV		25414
***	***	BROADHEAD	WI		53520
***	***	Richmond	VA		23236
***	***	CHAPPELL HILL	TX		77426
***	***	Pontiac	MI		48342

Exhibit A-55


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	CLEVELAND	OH		44120
***	***	Richmond	VA		23228
***	***	Fort Mill	SC		29708
***	***	Lithonia	GA		30038
***	***	Lancaster	NY		14086
***	***	Tobyhanna	PA		18466
***	***	East Point	GA		30344
***	***	Lithonia	GA		30058
***	***	Vicksburg	MS		39180
***	***	WEST PALM BEACH	FL		33417
***	***	Salisbury	NC		28144
***	***	Greenville	TX		75401
***	***	Greensboro	NC		27406
***	***	Farmington Hills	MI		48336
***	***	Houston	TX		77067
***	***	NORTH AUGUSTA	SC		29841
***	***	HUDSONVILLE	MI		49426
***	***	South Bend	IN		46619
***	***	Memphis	TN		38128
***	***	Shelby	NC		28150
***	***	Buffalo	NY		14215
***	***	Blountstown	FL		32424
***	***	Montrose	GA		31065
***	***	PHARR	TX		78577
***	***	EDINBURG	TX		78539
***	***	Lawrenceville	GA		30044
***	***	Lansing	NC		28643
***	***	MCALESTER	OK		74501
***	***	MUSKEGON	MI		49442
***	***	MICHIGAN CITY	IN		46360
***	***	Mount Carmel	PA		17851
***	***	OCALA	FL		34474
***	***	Spring Lake	NC		28390
***	***	Bentleyville	PA		15314
***	***	Detroit	MI		48205
***	***	Douglasville	GA		30135
***	***	Ocala	FL		34475
***	***	Dacula	GA		30019
***	***	HARRISON	TN		37341
***	***	ANCHORAGE	AK		99507
***	***	BALTIMORE	MD		21224
***	***	Waterloo	IA		50703
***	***	Dayton	OH		45407
***	***	Jacobsburg	OH		43933
***	***	Maryville	MO		64468
***	***	BEAUMONT	TX		77703
***	***	CHARLOTTE	NC		28210
***	***	COLUMBUS	OH		43224
***	***	KENOSHA	WI		53143
***	***	INDIANAPOLIS	IN		46226
***	***	PITTSBURGH	PA		15212
***	***	EVANSVILLE	IN		47714
***	***	WEST CHICAGO	IL		60186
***	***	ROCK HILL	SC		29730
***	***	ASHEVILLE	NC		28802
***	***	CLINTONVILLE	WI		54929
***	***	COLUMBIA	SC		29203
***	***	Greeneville	TN		37743
***	***	WASHINGTON	IN		47501
***	***	PHILADELPHIA	PA		19149
***	***	OSCEOLA	IN		46561
***	***	WEST POINT	MS		39773
***	***	NORTH LITTLE ROCK	AR		72118
***	***	BRIDGE CITY	TX		77611
***	***	PEORIA	IL		61605
***	***	QUEEN CREEK	AZ		85242

Exhibit A-56


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	JONESBORO	GA		30238
***	***	PICO RIVERA	CA		90660
***	***	FAIRMOUNT	IL		61841
***	***	DUNDALK	MD		21222
***	***	Rose Hill	KS		67133
***	***	Lexington	SC		29073
***	***	LINCOLN PARK	NJ		7035
***	***	GALENA	KS		66739
***	***	Palm Coast	FL		32137
***	***	CONYERS	GA		30013
***	***	HENDERSONVILLE	TN		37075
***	***	Dallas	TX		75241
***	***	Surprise	AZ		85374
***	***	Richmond Heights	OH		44143
***	***	LAREDO	TX		78046
***	***	NORTH OLMSTED	OH		44070
***	***	LOCKPORT	NY		14094
***	***	BETHLEHEM	PA		18015
***	***	PRINCETON	MN		55371
***	***	HUMBLE	TX		77338
***	***	EVANSVILLE	IN		47714
***	***	ASHFORD	CT		6278
***	***	INMAN	SC		29349
***	***	ORLANDO	FL		32811
***	***	HOLLYWOOD	FL		33021
***	***	JACKSONVILLE	FL		32216
***	***	ACWORTH	GA		30101
***	***	CORNING	CA		96021
***	***	RIVA	MD		21140
***	***	NEWARK	NJ		7112
***	***	SPRING HILL	FL		34609
***	***	KINGSFORD HEIGHTS	IN		46346
***	***	COLFAX	CA		95713
***	***	LITHIA SPRINGS	GA		30122
***	***	BENSON	NC		27504
***	***	CANTON	GA		30115
***	***	SEALY	TX		77474
***	***	CHARLOTTE	NC		28216
***	***	WAYLAND	NY		14572
***	***	SAFETY HARBOR	FL		34695
***	***	RALEIGH	NC		27610
***	***	PLAINFIELD	IL		60544
***	***	LOUISVILLE	KY		40216
***	***	RIDGECREST	CA		93555
***	***	LAWRENCEVILLE	GA		30043
***	***	BAKERSFIELD	CA		93314
***	***	SALISBURY	MD		21804
***	***	SPRINGFIELD	OH		45505
***	***	COLLEGE PARK	GA		30349
***	***	LANSING	MI		48917
***	***	MIDDLEBURG	FL		32068
***	***	LEHIGH ACRES	FL		33936
***	***	NORTH LAUDERDALE	FL		33068
***	***	BROCKTON	MA		2302
***	***	Coxsackie	NY		12051
***	***	Town of Colonie	NY		12205
***	***	Parlin	NJ		8859
***	***	El Cajon	CA		92021
***	***	Farmingville	NY		11738
***	***	Indianapolis	IN		46280
***	***	Allentown	PA		18103
***	***	PORT SAINT JOE BEACH	FL		32456
***	***	PHILADELPHIA	PA		19145
***	***	PATTERSON	CA		95363
***	***	GAITHERSBURG	MD		20878
***	***	JACKSONVILLE	FL		32277

Exhibit A-57


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	TOWNSHIP OF PENNSVILLE	NJ		8070
***	***	LONGVIEW	WA		98632
***	***	TRENTON	NJ		8629
***	***	MOUNT POCONO	PA		18344
***	***	GLOUCESTER TWP	NJ		8012
***	***	BALTIMORE	MD		21220
***	***	SPRINGFIELD	MA		1107
***	***	TEMPLE HILLS	MD		20748
***	***	MASTIC	NY		11950
***	***	IRVINGTON	NJ		7111
***	***	BOWIE	MD		20715
***	***	WALDORF	MD		20603
***	***	TOWN OF PENDLETON	NY		14120
***	***	FRANKLIN PARK	NJ		8823
***	***	CITY OF EAST ORANGE	NJ		7017
***	***	BOYNTON BEACH	FL		33426
***	***	WESTPORT	CT		6880
***	***	KENT	WA		98030
***	***	ROSELLE	NJ		7203
***	***	BOCA RATON	FL		33496
***	***	TOWNSHIP OF IRVINGTON	NJ		7111
***	***	NEW CANAAN	CT		6840
***	***	STATEN ISLAND	NY		10312
***	***	MARYSVILLE	WA		98270
***	***	CORAM	NY		11727
***	***	BRIDGEPORT	CT		6604
***	***	EAST ORANGE	NJ		7017
***	***	WILLINGBORO	NJ		8046
***	***	HOOKSETT	NH		3106
***	***	KEANSBURG	NJ		7734
***	***	BUNKER HILL	WV		25413
***	***	HOMESTEAD	FL		33035
***	***	FAYETTEVILLE	GA		30214
***	***	INDIANAPOLIS	IN		46256
***	***	MIDLOTHIAN	VA		23112
***	***	LA PLATA	MD		20646
***	***	YONKERS	NY		10705
***	***	WILLINGBORO	NJ		8046
***	***	GREECE	NY		14612
***	***	TEANECK	NJ		7666
***	***	LAFAYETTE	NJ		7848
***	***	GREENBURGH	NY		10523
***	***	JACKSONVILLE	FL		32216
***	***	WILLINGBORO	NJ		8046
***	***	TOMS RIVER	NJ		8735
***	***	PATERSON	NJ		7522
***	***	UPPER MARLBORO	MD		20772
***	***	WATERBURY	CT		6706
***	***	NEW BRITAIN	CT		6051
***	***	WILLINGBORO	NJ		8046
***	***	HAMPTON	GA		30228
***	***	NEW OXFORD	PA		17350
***	***	CHESAPEAKE	VA		23320
***	***	MARTINSBURG	WV		25404
***	***	PATERSON	NJ		7514
***	***	LAKE GROVE	NY		11755
***	***	IRVINGTON	NJ		7111
***	***	MCCLELLANVILLE	SC		29458
***	***	CENTRAL ISLIP	NY		11722
***	***	CHICAGO	IL		60615
***	***	FAIRLAND	OK		74343
***	***	HENDERSON	NC		27536
***	***	DAYTON	OH		45406
***	***	GALESBURG	IL		61401
***	***	GREENSBORO	NC		27406
***	***	SHARON	PA		16148

Exhibit A-58


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	COLLEGE PK.	GA		30349
***	***	BAY CITY	MI		48706
***	***	DAYTON	OH		45404
***	***	MARKHAM	IL		60465
***	***	CAMPBELL	OH		44405
***	***	OLATHE	KS		66062
***	***	GASTONIA	NC		28054
***	***	COLUMBUS	OH		43207
***	***	BATON ROUGE	LA		70805
***	***	MEMPHIS	TN		38125
***	***	CHICAGO	IL		60636
***	***	COWPENS	SC		29330
***	***	BUSHKILL	PA		18324
***	***	SOUTHFIELD	MI		48076
***	***	OVIEDO	FL		32765
***	***	CARLSBAD	NM		88220
***	***	LANCASTER	SC		29720
***	***	ANTIOCH	TN		37013
***	***	UTICA	NY		13501
***	***	COLUMBUS	OH		43224
***	***	N WILKESBORO	NC		28659
***	***	DEARBORN HEIGHTS	MI		48127
***	***	TOMAHAWK	KY		41262
***	***	FRANKFORT	IN		46041
***	***	NEW CASTLE	PA		16101
***	***	MIAMISBURG	OH		45342
***	***	NATCHITOCHE	LA		71457
***	***	PHILADELPHI	PA		19139
***	***	LAFFERTY	OH		43951
***	***	NEW PORT RICHEY	FL		34653
***	***	CLEVELAND	OH		44111
***	***	MONROE	MI		48162
***	***	COLUMBUS	OH		43219
***	***	CALUMET CITY	IL		60409
***	***	INDIANAPOLIS	IN		46226
***	***	WINCHESTER	IN		47394
***	***	SOLDIER	KY		41173
***	***	CHICAGO RIDGE	IL		60415
***	***	INDEPENDENCE	MO		64056
***	***	LELAND	NC		28451
***	***	SHERMAN	TX		75092
***	***	LELAND	NC		28451
***	***	SOUTH BEND	IN		46615
***	***	SANDUSKY	OH		44870
***	***	DAYTON	OH		45403
***	***	ERIE	PA		16508
***	***	HOMESTEAD	FL		33033
***	***	PEORIA	IL		61603
***	***	LUPTON CITY	TN		37351
***	***	WINSTON SAL	NC		27105
***	***	COWPENS	SC		29330
***	***	FORT WAYNE	IN		46806
***	***	CINCINNATI	OH		45240
***	***	SEYMOUR	IN		47274
***	***	FORT WAYNE	IN		46802
***	***	MADISON HEI	MI		48071
***	***	CHARLOTTE	NC		28227
***	***	HAZELWOOD	MO		63042
***	***	GROVE CITY	OH		43123
***	***	CALEDONIA	OH		43314
***	***	CHARLOTTE	NC		28208
***	***	KANSAS CITY	KS		66106
***	***	BARBERTON	OH		44203
***	***	ANDERSON	SC		29621
***	***	ALEXANDRIA	LA		71303
***	***	MARION	NC		28762

Exhibit A-59


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	SOUTHFIELD	MI		48075
***	***	INKSTER	MI		48141
***	***	BATON ROUGE	LA		70811
***	***	ATLANTA	GA		30331
***	***	Scranton	PA		18505
***	***	WINNSBORO	SC		29180
***	***	ALLENTOWN	PA		18102
***	***	TOLEDO	OH		43607
***	***	Detroit	MI		48217
***	***	Greensboro	NC		27401
***	***	FLINT	MI		48505
***	***	DINGMANS FERRY	PA		18328
***	***	Buffalo	NY		14201
***	***	Ronkonkoma	NY		11779
***	***	Cedar Grove	NJ		7009
***	***	North Brunswick	NJ		8902
***	***	Haverstraw	NY		10970
***	***	Town of Centerville	MA		2632
***	***	Hamilton	NJ		8610
***	***	Beverly	NJ		8010
***	***	Linden	NJ		7036
***	***	Borough of Matawan	NJ		7747
***	***	TOWNSHIP OF BERKELEY	NJ		8721
***	***	FITCHBURG	MA		1420
***	***	ISLIP	NY		11751
***	***	MOORESVILLE	NC		28115
***	***	STOUGHTON	MA		2072
***	***	CHESAPEAKE	VA		23325
***	***	JAMESTOWN	NC		27282
***	***	MENDHAM	NJ		7945
***	***	TOWN OF BLOOMFIELD	NJ		7003
***	***	WORCESTER	MA		1607
***	***	CAMBRIA HEIGHTS	NY		11411
***	***	BALTIMORE	MD		21234
***	***	BALTIMORE	MD		21224
***	***	JAMAICA	NY		11435
***	***	HAWTHORNE	NJ		7506
***	***	CAPITOL HEIGHTS	MD		20743
***	***	MIDDLETOWN	NY		10941
***	***	LANCASTER	PA		17602
***	***	ATCO	NJ		8004
***	***	GUYTON	GA		31312
***	***	FLORENCE	SC		29505
***	***	PHILADELPHIA	PA		19131
***	***	Maine	NY		13802
***	***	Greensboro	GA		30642
***	***	ROCKLEDGE	FL		32955
***	***	LOUISVILLE	KY		40258
***	***	BAHAMA	NC		27503
***	***	BROOKSDALE	FL		34601
***	***	ABBEVILLE	LA		70510
***	***	GREENVILLE	TN		37743
***	***	JACKSONVILLE	FL		32216
***	***	CORPUS CHRISTI	TX		78415
***	***	DENHAM SPRINGS	LA		70706
***	***	PHILADELPHIA	PA		19145
***	***	CAMBRIA	IL		62915
***	***	MARYSVILLE	OH		43040
***	***	FT WORTH	TX		76108
***	***	GREENVILLE	NC		27834
***	***	FORT WORTH	TX		76102
***	***	BALTIMORE	MD		21229
***	***	PETERSBURG	WV		26847
***	***	SAN ANTONIO	TX		78260
***	***	MARKS	MS		38646
***	***	OLIVE BRANCH	MS		38654

Exhibit A-60


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	PENSACOLA	FL		32514
***	***	DETROIT	MI		48224
***	***	BATON ROUGE	LA		70805
***	***	RICHMOND	VA		23223
***	***	Louisville	KY		40210
***	***	HAMERSVILLE	OH		45130
***	***	INDIANAPOLIS	IN		46241
***	***	NAPOLEON	OH		43545
***	***	Metz	WV		26585
***	***	Baxley	GA		31513
***	***	Tampa	FL		33614
***	***	Lima	OH		45804
***	***	Tucson	AZ		85706
***	***	Nancy	KY		42544
***	***	Donora	PA		15033
***	***	Lowell	IN		46356
***	***	COLDSPRING	TX		77331
***	***	ENTERPRISE	AL		36330
***	***	OPA LOCKA	FL		33056
***	***	SARASOTA	FL		34239
***	***	FORT LAUDERDALE	FL		33311
***	***	WEST PALM BEACH	FL		33413
***	***	FORT LAUDERDALE	FL		33315
***	***	HOMESTEAD	FL		33030
***	***	ORLANDO	FL		32811
***	***	LAKE PLACID	FL		33852
***	***	Kansas City	MO		64130
***	***	AMITYVILLE	NY		11701
***	***	GLOUCESTER CITY	NJ		8030
***	***	CHARLOTTE	NC		28269
***	***	JAMAICA	NY		11436
***	***	MERIDEN	CT		6450
***	***	Stamford	CT		6902
***	***	MANSFIELD	LA		71052
***	***	S.L.A.	CA		92386
***	***	Granite Falls	NC		28630
***	***	Chowchilla	CA		93610
***	***	Barnegat	NJ		8005
***	***	Scottsville	NY		14546
***	***	Charlotte	NC		28217
***	***	Altoona	PA		16602
***	***	LOUISVILLE	KY		40204
***	***	BRIDGEPORT	CT		6607
***	***	SANFORD	NC		27330
***	***	NASHVILLE	NC		27856
***	***	FRANKLIN	NY		13775
***	***	SAINT CLOUD	FL		34773
***	***	CARENCRO	LA		70520
***	***	ROSELAND	LA		70456
***	***	PENSACOLA	FL		32501
***	***	EUTAW	AL		35462
***	***	BATTLE CREEK	MI		49015
***	***	DETROIT	MI		48223
***	***	Sacramento	CA		95820
***	***	Pearl	MS		39208
***	***	Gillepsie	IL		62033
***	***	Pine Grove	PA		17963
***	***	College Park	GA		30349
***	***	WATERLOO	IA		50703
***	***	ORLANDO	FL		32811
***	***	PALM BAY	FL		32905
***	***	EAST HARTFORD	CT		6108
***	***	Greensboro	GA		30642
***	***	Rocky Point	NY		11778
***	***	TOMS RIVER	NJ		8753
***	***	CICERO	IN		46034

Exhibit A-61


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Egg Harbor Township	NJ		8234
***	***	WILLINGBORO	NJ		8046
***	***	PHILADELPHIA	PA		19144
***	***	Mount Pleasant	IA		52641
***	***	COLUMBUS	OH		43211
***	***	Addison	VT		5491
***	***	AUSTIN	TX		78719
***	***	JACKSON	MS		39209
***	***	DRY PRONG	LA		71423
***	***	Bastrop	LA		71220
***	***	HOMESTEAD	FL		33032
***	***	AUSTIN	TX		78753
***	***	EDINBURG	TX		78539
***	***	SPANAWAY	WA		98387
***	***	SINTON	TX		78387
***	***	LITTLE ROCK	AR		72206
***	***	Irvington	NJ		7111
***	***	BEACH CITY	OH		44608
***	***	INDIANAPOLIS	IN		46201
***	***	LOUISVILLE	KY		40229
***	***	PHILADELPHIA	PA		19143
***	***	BATTLECREEK	MI		49017
***	***	GARY	IN		46404
***	***	Portland	OR		97213
***	***	MELBOURNE	FL		32935
***	***	WHEATON	IL		60187
***	***	LOUISVILLE	GA		30434
***	***	GRANDVIEW	IN		47615
***	***	GOOSE CREEK	SC		29445
***	***	TOWNSHIP OF IRVINGTON	NJ		7111
***	***	CUTHBERT	GA		31740
***	***	PENSACOLA	FL		32507
***	***	MAMOU	LA		70554
***	***	TOLEDO	OH		43608
***	***	DUNKIRK	IN		47336
***	***	GRANITE CITY	IL		62040
***	***	Monrovia	CA		91016
***	***	Austell	GA		30106
***	***	Schenectady	NY		12303
***	***	Lansdowne	PA		19050
***	***	East Bend	NC		27018
***	***	TAYLORSVILLE	NC		28681
***	***	BRADENTON	FL		34202
***	***	BAYTOWN	TX		77521
***	***	FT. LAUDERDALE	FL		33311
***	***	CLEVELAND	OH		44110
***	***	INDIANAPOLI	IN		46219
***	***	ELKHART	IN		46516
***	***	HOUSTON	TX		77066
***	***	CHICOPEE	MA		1013
***	***	ALBANY	NY		12202
***	***	WELDON	IL		61882
***	***	CHATSWORTH	GA		30705
***	***	DILLON	SC		29536
***	***	PICAYUNE	MS		39466
***	***	PHILADELPHIA	PA		19137
***	***	CHAUVIN	LA		70344
***	***	RICHWOOD	WV		26261
***	***	EAST PEORIA	IL		61611
***	***	SYLVANIA	OH		43560
***	***	Fairfield	CA		94533
***	***	East Northport	NY		11731
***	***	BURTON	SC		29906
***	***	Ironwood	MI		49938
***	***	Duquesne	PA		15110
***	***	Crystal Springs	MS		39059

Exhibit A-62


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	Columbus	GA		31907
***	***	Poughkeepsie	NY		12603
***	***	Buffalo	NY		14215
***	***	Tampa	FL		33604
***	***	MOBILE	AL		36604
***	***	ORLANDO	FL		32805
***	***	PALMDALE	CA		93552
***	***	HOMESTEAD	FL		33031
***	***	CLEVELAND	TX		77327
***	***	OCEAN SPRINGS	MS		39564
***	***	HIALEAH	FL		33015
***	***	NORTH MIAMI BEACH	FL		33162
***	***	MIAMI	FL		33181
***	***	KISSIMMEE	FL		34759
***	***	OPA LOCKA	FL		33056
***	***	SPRING HILL	FL		34610
***	***	MIAMI	FL		33142
***	***	VERO BEACH	FL		32960
***	***	Dexter	MO		63841
***	***	DARROW	LA		70725
***	***	Sparta	TN		38583
***	***	Woodbury	GA		30293
***	***	ANDERSON	IN		46011
***	***	BEAUMONT	TX		77701
***	***	VIVIAN	LA		71082
***	***	MONAHANS	TX		79756
***	***	COLUMBUS	OH		43232
***	***	BURLINGTON	NJ		8016
***	***	Leechburg	PA		15656
***	***	BAMBERG	SC		29003
***	***	PHILADELPHIA	PA		19143
***	***	CAMBRIDGE	MD		21613
***	***	HILLSBORO	OH		45133
***	***	HANSON	KY		42413
***	***	WOODHULL	NY		14820
***	***	CLEVELAND	OH		44105
***	***	JACKSON	LA		70748
***	***	TUCSON	AZ		85745
***	***	BROOKS	KY		40109
***	***	YOUNGSTOWN	OH		44505
***	***	DRESDEN	OH		43821
***	***	NIAGARA FALLS	NY		14301
***	***	COALMONT	IN		47845
***	***	CHICAGO	IL		60636
***	***	PEKIN	IN		47165
***	***	CARO	MI		48723
***	***	JACKSONVILLE	FL		32210
***	***	REDDICK	FL		32686
***	***	DERBY	IN		47525
***	***	DAYTON	OH		45403
***	***	KANSAS CITY	MO		64119
***	***	ANDERSON	SC		29622
***	***	Manchester	PA		17345
***	***	DECATUR	GA		30034
***	***	Cuba	NY		14727
***	***	HOUSTON	TX		77029
***	***	GRANVILLE	WV		26505
***	***	JACKSONVILLE	FL		32208
***	***	GARY	IN		46402
***	***	Laurinburg	NC		28352
***	***	NIAGARA FALLS	NY		14301
***	***	OAK HILL	OH		45656
***	***	VINELAND	NJ		8360
***	***	PACOIMA	CA		91331
***	***	TERRE HAUTE	IN		47802
***	***	STOVALL	NC		27582

Exhibit A-63


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	MEMPHIS	TN		38106
***	***	LAPORTE	TX		77571
***	***	JACKSONVILLE	FL		32208
***	***	HAMPTON	SC		29924
***	***	NORTH MIAMI	FL		33161
***	***	TALLAHASSEE	FL		32308
***	***	SUMMERFIELD	FL		34491
***	***	ELKHART	IN		46517
***	***	SHELBY	NC		28150
***	***	PHILADELPHIA	PA		19124
***	***	Chicago	IL		60644
***	***	Spartanburg	SC		29306
***	***	CANTON	MA		2021
***	***	BAYTOWN	TX		77520
***	***	ALBUQUERQUE	NM		87114
***	***	ATLANTA	GA		30331
***	***	AUDUBON	NJ		8106
***	***	MOSS POINT	MS		39563
***	***	SOUTH BEND	IN		46616
***	***	SPRINGFIELD	MA		1104
***	***	TICKFAW	LA		70466
***	***	Lithonia	GA		30058
***	***	Roseboro	NC		28382
***	***	Atwood	IL		61913
***	***	Hobbs	NM		88240
***	***	CHUGIAK	AK		99567
***	***	NORMAN	OK		73071
***	***	EVANSVILLE	IN		47713
***	***	PRESCOTT	AZ		86305
***	***	ST LOUIS	MO		63136
***	***	SAINT PETER	FL		33712
***	***	WARM SPRING	GA		31830
***	***	DETROIT	MI		48227
***	***	Pink Hill	NC		28572
***	***	SIMPSONVILLE	SC		29681
***	***	HOLLANDALE	MS		38748
***	***	TAMPA	FL		33603
***	***	JACKSONVILLE	FL		32250
***	***	Johnstown	NY		12095
***	***	CLEVELAND	OH		44105
***	***	LYNN	MA		1905
***	***	CRAWFORDVIL	FL		32327
***	***	EAST CLEVEL	OH		44112
***	***	GAS CITY	IN		46933
***	***	PHILADELPHIA	PA		19132
***	***	Monroe	NY		10950
***	***	Central Islip	NY		11722
***	***	Chicago	IL		60649
***	***	Town of Batavia	NY		14020
***	***	National Park	NJ		8063
***	***	East Orange	NJ		7017
***	***	Newark	NJ		7112
***	***	Bayville	NJ		8721
***	***	Hilton Head Island	SC		29928
***	***	Pasadena	MD		21122
***	***	Pittsburgh	PA		15232
***	***	Hamden	CT		6514
***	***	Bayville	NY		11709
***	***	Neptune	NJ		7753
***	***	Williamstown	NJ		8094
***	***	Edison	NJ		8837
***	***	Odenton	MD		21113
***	***	WALDORF	MD		20601
***	***	WOODBINE BOROUGH	NJ		8270
***	***	HOWARD BEACH	NY		11414
***	***	PARSIPPANY	NJ		7054

Exhibit A-64


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	VIRGINIA BEACH	VA		23454
***	***	LAUREL	MD		20708
***	***	DELRAN	NJ		8075
***	***	PASSAIC	NJ		7055
***	***	RANDALLSTOWN	MD		21133
***	***	BALTIMORE	MD		21229
***	***	CAPITOL HEIGHTS	MD		20743
***	***	BRIDGETON	NJ		8302
***	***	PHILADELPHIA	PA		19119
***	***	PATTERSON	NY		12563
***	***	AMBLER	PA		19002
***	***	Tampa	FL		33618
***	***	Marlette	MI		48453
***	***	Monroe	LA		71203
***	***	Katy	TX		77449
***	***	Newark	NJ		7106
***	***	Maypearl	TX		76064
***	***	Oliver Springs	TN		37840
***	***	Spartanburg	SC		29306
***	***	INDIAN TRAIL	NC		28079
***	***	ELLENWOOD	GA		30294
***	***	CONYERS	GA		30013
***	***	WALTON	KY		41094
***	***	FORT WORTH	TX		76103
***	***	NORTH OLMSTED	OH		44070
***	***	BUSHKILL	PA		18324
***	***	CYPRESS	TX		77433
***	***	CARLISLE	PA		17013
***	***	CLEVELAND	OH		44120
***	***	Fort Mill	SC		29708
***	***	San Antonio	TX		78232
***	***	Lavaca	AR		72941
***	***	Reno	NV		89512
***	***	Milwaukee	WI		53210
***	***	Houston	TX		77084
***	***	Randolph	NJ		7869
***	***	Bowie	MD		20715
***	***	San Jose	CA		95133
***	***	Tampa	FL		33612
***	***	IRVING	TX		75063
***	***	CHICAGO	IL		60629
***	***	COOKEVILLE	TN		38501
***	***	Fairfax	VA		22031
***	***	ELMA	WA		98541
***	***	PARAMOUNT	CA		90723
***	***	MIAMI	FL		33186
***	***	KATY	TX		77449
***	***	CHELTENHAM	MD		20623
***	***	SAN JOSE	CA		95112
***	***	CHICAGO	IL		60634
***	***	GRAND RAPIDS	MI		49506
***	***	GLENDALE HEIGHTS	IL		60139
***	***	HOLLYWOOD	FL		33023
***	***	TEMPE	AZ		85282
***	***	HANOVER	MN		55341
***	***	KISSIMMEE	FL		34741
***	***	DOVER	NJ		7801
***	***	ELLENWOOD	GA		30294
***	***	ROME	GA		30161
***	***	SOUTHFIELD	MI		48076
***	***	KENT	WA		98042
***	***	MARTINSVILLE	VA		24112
***	***	ST JOSEPH	MO		64505
***	***	TOPEKA	KS		66608
***	***	KATY	TX		77494
***	***	STONE MOUNTAIN	GA		30087

Exhibit A-65


Loan ID	collateral address	collateral city	collateral state	collateral zip
***	***	CORONA (AREA)	CA		92880
***	***	DELTA	CO		81416
***	***	LACEY	WA		98503
***	***	MIDLOTHIAN	TX		76065
***	***	SUMTER	SC		29154
***	***	LEESVILLE	SC		29070
***	***	MEMPHIS	TN		38133
***	***	ST. PETERSBURG	FL		33701
***	***	TAMPA	FL		33605
***	***	BRADENTON	FL		34208
***	***	WILMER	AL		36587
***	***	MINGO JUNCTION	OH		43938
***	***	BOLIVAR	OH		44612
***	***	MADISON	IN		47250
***	***	SYLVANIA	OH		43560
***	***	Granite Falls	NC		28630
***	***	Cresson	PA		16630
***	***	Alanson	MI		49706
***	***	Augusta	GA		30815
***	***	Wittman	AZ		85361
***	***	ALBANY	NY		12202
***	***	Kansas City	MO		64110
***	***	Saginaw	TX		76179
***	***	UNSECURED	TX		99999
***	***	GREENACRES	FL		33463
***	***	PERRY HALL	MD		21128
***	***	Reynoldsburg	OH		43068
***	***	ANCHORAGE	AK		99503
***	***	CHANDLER	AZ		85226
***	***	CHANDLER	AZ		85226
***	***	APOPKA	FL		32703
***	***	SILVER SPRING	MD		20906
***	***	ANAHEIM	CA		92801
***	***	Brooklyn	NY		11209
***	***	GLOUCESTER TWP	NJ		8012
***	***	AKRON	OH		44314
***	***	ATLANTA	GA		30318
***	***	WABASH	IN		46992
***	***	Smyrna	GA		30082
***	***	JENNINGS	LA		70546
***	***	NEW MARKET	TN		37820
***	***	GRAHAM	WA		98338
***	***	FRESNO	TX		77545
***	***	ALLEN PARK	MI		48101
***	***	KINGSFORD HEIGHTS	IN		46346
***	***	Charlotte	NC		28217
***	***	Pittston	PA		18640
***	***	Kansas City	MO		64124

Exhibit A-66

EXHIBIT B

CONTENTS OF EACH MORTGAGE FILE

With respect to each Mortgage Loan, the Mortgage File shall include each of the following items (to the extent in the applicable Owner or its designee’s possession), which the related Owner shall deliver a copy thereof to the Servicer for retention in the Servicing File:

The original Mortgage Note bearing all intervening endorsements, endorsed “Pay to the order of _____ without recourse” and signed in the name of the related Owner by an authorized officer (in the event that the Mortgage Loan was acquired by the related Owner in a merger, the signature must be in the following form: “[the Owner], successor by merger to [name of predecessor]”; and in the event that the Mortgage Loan was acquired or originated by the related Owner while doing business under another name, the signature must be in the following form: “[the Owner], formerly known as [previous name]”).

The original of any guarantee executed in connection with the Mortgage Note (if any).

The original Mortgage, with evidence of recording thereon or a certified true and correct copy of the Mortgage sent for recordation.

The originals or certified true copies of any document sent for recordation of all assumption, modification, consolidation or extension agreements, with evidence of recording thereon.

The original Assignment of Mortgage for each Mortgage Loan, in form and substance acceptable for recording (except for the insertion of the name of the assignee and recording information).

	6.		Originals or certified true copies of documents sent for recordation of all intervening assignments of the Mortgage with evidence of recording thereon.

	7.		The original PMI Policy, where required pursuant to the Agreement.

	8.		The original mortgagee policy of title insurance or evidence of title.

Any security agreement, chattel mortgage or equivalent executed in connection with the Mortgage.

Exhibit B-1

With respect to each Mortgage Loan, the Mortgage File shall include each of the following items to the extent in the possession of the related Owner or in the possession of the related Owner’s agent(s):

	10.		The original hazard insurance policy and, if required by law, flood insurance policy, in accordance with Section 4.10 of the Agreement.

	11.		Residential loan application.

	12.		Mortgage Loan closing statement.

	13.		Verification of employment and income, if applicable.

	14.		Verification of acceptable evidence of source and amount of down payment, if applicable.

	15.		Credit report on the Mortgagor.

	16.		Residential appraisal report.

	17.		Photograph of the Mortgaged Property.

	18.		Survey of the Mortgage property, if required by the title owner or applicable law.

	19.		Copy of each instrument necessary to complete identification of any exception set forth in the exception schedule in the title policy, i.e. map or plat, restrictions, easements, sewer agreements, home association declarations, etc.

	20.		All required disclosure statements.

	21.		If available, termite report, structural engineer’s report, water potability and septic certification.

	22.		Sales contract, if applicable.

	23.		Evidence of payment of taxes and insurance premiums, insurance claim files, correspondence, current and historical computerized data files, and all other processing, underwriting and closing papers and records which are customarily contained in a mortgage loan file and which are required to document the Mortgage Loan or to service the Mortgage Loan.

	24.		Amortization schedule, if available.

	25.		Mortgage Loan payment history.

	26.		Original power of attorney, if applicable.

B-2

EXHIBIT C-1

FORM OF CUSTODIAL ACCOUNT LETTER AGREEMENT

__, 200___


To:


		(the “Depository”)

As Servicer under the Loan Servicing Agreement, dated as of _____ _ , 200_, we hereby authorize and request you to establish an account, as a Custodial Account, to be designated as “Franklin Credit Management Corporation in trust for ” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. This letter is submitted to you in duplicate. Please execute and return one original to us.


		Franklin Credit Management Corporation

		By:		/s/ Jimmy Yan Name: Jimmy Yan
				Title: Executive Vice President
				Managing Director of Servicing and Recovery

		Date: July 20, 2010

Exhibit C-1-1

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.



		Depository

		By:


		Name:


		Title:


		Date:

Exhibit C-1-2

EXHIBIT C-2

FORM OF ESCROW ACCOUNT LETTER AGREEMENT

__, 200___


To:


		(the “Depository”)

As Servicer under the Loan Servicing Agreement, dated as of _____ __, 200__, we hereby authorize and request you to establish an account, as an Escrow Account, to be designated as “Franklin Credit Management Corporation in trust for and various Obligors, fixed and adjustable rate Loans.” All deposits in the account shall be subject to withdrawal therefrom by order signed by the Servicer. This letter is submitted to you in duplicate. Please execute and return one original to us.


		Franklin Credit Management Corporation

		By:		/s/ Jimmy Yan

				Name: Jimmy Yan
				Title: Executive Vice President Managing Director of Servicing and Recovery

		Date: July 20, 2010

Exhibit C-2-1



		Depository

		By:


		Name:


		Title:


		Date:

Exhibit C-2-2

EXHIBIT D

SERVICING FEE SCHEDULE


Monthly	Servicing Fee per Loan per month
	Performing Mortgage Loans (0-29 days past due)		***
	Delinquent Mortgage Loans (30-59 days past due)		***
	Delinquent Mortgage Loans (60+ days past due)		***
	Foreclosure		***
	Bankruptcy		***

	REO		In the 1st 12 months — * for the first 3 months (from listing) & * after month 3 after month 12 — * for the first 3 months (from listing) & * after month 3
Default Fees:
	Resolution Fees (loan must become contractually current)
		Reinstatements (>= 91 days past due)	* of Unpaid Principal Balance (minimum fee , maximum fee **)


		Modification	* of Unpaid Principal Balance prior to Modification Minimum Fee, , Maximum Fee, , collected by servicer, only after there are 4 consecutive payments made by borrower. Applicable after successful completion of four (4) month special forbearance trial payment period.

		Paid in Full (including a refinance, third-party sale
		or Homeowner Relief Program)	* of Unpaid Principal Balance, first 12 months from the Effective Date (minimum fee , maximum fee ); thereafter, * of Unpaid Principal Balance (minimum fee *, maximum fee *)

Disposition Fees (Property Liquidations)

		Short Sales/Settlements
		(including a refinance, third-party sale or Homeowner Relief Program)	* of Unpaid Principal Balance, first 12 months from the Effective Date (minimum fee , maximum fee ); thereafter, * of Unpaid Principal Balance (minimum fee *, maximum fee *)

		Deed in Lieu	* of Unpaid Principal Balance (minimum fee , maximum fee **)

	REO Disposition Fee		* of gross proceeds, first 12 months from the Effective Date; thereafter, * of gross proceeds., *** Minimum per asset

Tax Certification Fee			at cost
Tax Contract Fees
	No existing contract		at cost

Contract transfer
		First American / Fidelity contract	at cost
		Non transferable contract	at cost

Flood Contract Fees
	No existing contract		at cost

	Contract transfer
		First American / Fidelity contract	at cost
		Non transferable contract	at cost

Exhibit D-1

Ancillary Cash Flows The table below indicates ownership of certain cash flows.


Cash Flow		Owner
Late Charges		Retained by 100% by Servicer
Principal and Interest Float		Retained by servicer
Escrow Float		Retained by servicer
Servicing Activity Fees		Retained by servicer (e.g. payoff statements, fax fees)
Borrower Prepayment Fees		Retained by Purchaser


Contingency Fees on Charged off Mortgage Loans -		*******
(deficiencies, unsecured Mortgage Loans and Mortgage Loans that are provided by Owner on a monthly basis


Remittance and Billing

Recording Fees per Loan

Assignment		prepared by third-party vendor at cost
		At cost as dictated by county

Power of Attorney		at cost
		If no corporate signing authority is provided

MERS		at cost

D-2

EXHIBIT E

REPORTS

1.		Daily Collections Report (as provided as of the date of this Agreement).

2.		Monthly Servicing Update Report (as provided as of the date of this Agreement) (provided by 2^nd Business Day of the following month).

3.		Monthly Modification Performance/Vintage Report (as provided as of the date of this Agreement)(provided by 2^nd Business Day of the following month).

4.		Monthly REO Inventory and Sales Report (as provided as of the date of this Agreement) (provided by 2^nd Business Day of the following month).

5.		Monthly Third Party Expense Report (provided by 2^nd Business Day of the following month).

6.		Data, in form and substance, supporting and facilitating the Owners in accounting, reporting and regulatory purposes. (provided by 2^nd Business Day of the following month).

7.		A monthly reconciliation report of all cash collections by the Servicer (provided by the 5^th Business Day of the following month).

8.		Upon request, copies of reconciliation prepared by the Servicer.

Such other reports, based on information reasonably available to the Servicer, as the Owners shall reasonably request.

Exhibit E-1

EXHIBIT F

FORM OF LIMITED POWER OF ATTORNEY

RECORDING REQUESTED BY
AND WHEN RECORDED MAIL TO:
FRANKLIN CREDIT MANAGEMENT CORPORATION
[__________________]
[__________________]
Attn: [__________________]

LIMITED POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that _____________________, a ___________________ corporation organized and existing under the laws of the State of ____________ and having its principal place of business at ___________________________________ as Owner (the “Owner”) pursuant to that Loan Servicing Agreement, among Franklin Credit Management Corporation (the “Servicer”) and the Owner, dated as of July 1, 2010 (the “Agreement”), hereby constitutes and appoints the Servicer, by and through the Servicer’s officers, the Owner’s true and lawful Attorney-in-Fact, in the Owner’s name, place and stead and for the Owner’s benefit, in connection with all mortgage loans and REO properties subject to the terms of the Agreement for the purpose of performing all acts and executing all documents in the name of the Owner as may be customarily and reasonably necessary and appropriate to effectuate the following enumerated transactions in respect of any of the mortgages or deeds of trust (the “Mortgages” and the “Deeds of Trust” respectively) and promissory notes secured thereby (the “Mortgage Notes”) for which the undersigned is the Owner (whether the undersigned is named therein as mortgagee or beneficiary or has become mortgagee by virtue of endorsement of the Mortgage Note secured by any such Mortgage or Deed of Trust) and for which the Servicer is performing sub-servicing activities all subject to the terms of the Agreement.

This appointment shall apply to the following enumerated transactions only:

The modification or re-recording of a Mortgage or Deed of Trust, where said modification or re-recording is for the purpose of correcting the Mortgage or Deed of Trust to conform same to the original intent of the parties thereto or to correct title errors discovered after such title insurance was issued and said modification or rerecording, in either instance, does not adversely affect the lien of the Mortgage or Deed of Trust as insured.

The subordination of the lien of a Mortgage or Deed of Trust to an easement in favor of a public utility company of a United States governmental agency or unit with powers of eminent domain; this section shall include, without limitation, the execution of partial satisfactions/releases, partial reconveyances or the execution or requests to trustees to accomplish same.

Exhibit F-1

The conveyance of the properties to the mortgage insurer, or the closing of the title to the property to be acquired as real estate owned, or conveyance of title to real estate owned.

The completion of loan assumption agreements.

The full satisfaction/release of a Mortgage or Deed of Trust or full conveyance upon payment and discharge of all sums secured thereby, including, without limitation, cancellation of the related Mortgage Note.

The assignment of any Mortgage or Deed of Trust and the related Mortgage Note, in connection with the repurchase of the mortgage loan secured and evidenced thereby.

The full assignment of a Mortgage or Deed of Trust upon payment and discharge of all sums secured thereby in conjunction with the refinancing thereof, including, without limitation, the assignment of the related Mortgage Note.

With respect to a Mortgage or Deed of Trust, the foreclosure, the taking of a deed in lieu of foreclosure, or the completion of judicial or non-judicial foreclosure or termination, cancellation or rescission of any such foreclosure, including, without limitation, any and all of the following acts:

the substitution of trustee(s) serving under a Deed of Trust, in accordance with state law and the Deed of Trust;

the preparation and issuance of statements of breach or non-performance;

the preparation and filing of notices of default and/or notices of sale

the cancellation/rescission of notices of default and/or notices of sale;

the taking of a deed in lieu of foreclosure; and

the preparation and execution of such other documents and performance such other actions as may be necessary under the terms of the Mortgage, Deed of Trust or state law to expeditiously complete said transactions in paragraphs 8(a) through 8(e), above.

The undersigned gives said Attorney-in-Fact full power and authority to execute such instruments and to do and perform all and every act and thing necessary and proper to carry into effect the power or powers granted by or under this Limited Power of Attorney, each subject to the terms and conditions set forth in the Agreement and in accordance with the standard of care set forth in the Agreement as fully as the undersigned might or could do, and hereby does ratify and confirm to all that said Attorney-in-Fact shall lawfully do or cause to be done by authority hereof. This Limited Power of Attorney shall be effective as of ____________ _____, _______.

F-2

Third parties without actual notice may rely upon the exercise of the power granted under this Limited Power of Attorney; and may be satisfied that this Limited Power of Attorney shall continue in full force and effect and has not been revoked unless an instrument of revocation has been made in writing by the undersigned.

IN WITNESS WHEREOF, _____________________, as Owner pursuant to that Servicing Agreement between the Owner and the Servicer, dated as of _______________ 1, 200_____, has caused its corporate seal to be hereto affixed and these presents to be signed and acknowledged in its name and behalf by ______________, its duly elected and authorized ________________ this _____ day of _______________, ______.




	By:
		Name:
		Title:

F-3

STATE OF __________________
COUNTY OF __________________

On _____________ ____, ________, before me, the undersigned, a Notary Public in and for said state, personally appeared _________________ of _______________________________, personally known to me to be the person whose name is subscribed to the within instrument and acknowledged to me that [she/he] executed that same in [her/his] authorized capacity, and that by [her/his] signature on the instrument the entity upon behalf of which the person acted and executed the instrument.

WITNESS my hand and official seal.

(SEAL)

__________________________________________
Notary Public

F-4

EXHIBIT G

APPROVAL MATRIX
(to be negotiated to the satisfaction of the Owners)

Exhibit G-1

INVESTOR WORK RULES (VANTIUM as of 07/20/2010)

WORKOUT TYPE


SHORT SALE:		Vantium will provide loan level buckets on a quarterly basis for delegated approval. Any offers outside of the limit must be approved by the investor.

		* All offers must be submitted to the investor regardless of the loan level bucket
		* Delinquency Manager and VP of Default must sign off on all offers

SETTLEMENT:		Vantium will provide loan level buckets on a quarterly basis for delegated approval. Any offers outside of the limit must be approved by investor.

		* All offers must be submitted to investor regardless of loan level bucket
		* Delinquency Manager and VP of Default must sign off on all offers

HOMEOWNER RELIEF PROGRAM:		- Only initiate if borrower declines on short sale
		- The program is based on the borrower’s hardship and their inability or desire to continue to pay on their mortgage.
		- The borrower must agree to sell their home in order to receive % or $ maximum cash bonus at closing from the net proceeds.
		- Specific work rules are attached to the document
		- Any offers must be approved by the investor.

		* Delinquency Manager and VP of Default must sign off on all offers

HOPE FOR HOMEOWNERS		- Only initiate if borrower declines on short sale/DIL and insists on remaining in the home
		- The borrower must answer yes to all 7 prescreen questions
		- Call is warm transferred to First Alliance during the hours of operation which are Monday through Thursday 9am — 8pm EST, and Friday 9am — 5pm EST. After hour leads should be emailed to First Alliance at answers@1agroup.com
		- Specific work rules are attached to the document

MODIFICATION:		Vantium will provide loan level buckets on a quarterly basis for delegated approval. Any offers outside of the limit must be approved.

		* Delinquency Manager and VP of Default must sign off on all offers

DEED IN LIEU		- Vantium approval is required for all Deeds in Lieu
		- If borrower is not willing to participate in Homeowner Relief Program or property cannot sell after * days.**

Exhibit G-2

INVESTOR WORK RULES (VANTIUM as of 07/20/2010)


INITIATE FORECLOSURE		- Never initiate foreclosure on a high cost loan
		- Initiate foreclosure at * days delinquent**
		- Initiate foreclosure at * for the following states: CT**
		- Initiate foreclosure at * for the following states: NY, * days for MA
		- If NPV is less than $* Vantium approval is required**
		- Low UPB with full equity should be reviewed for foreclosure and must be approved by the investor
		- No second lien foreclosure without the investor’s approval.B10

FORECLOSURE BIDDING		- Foreclosure bidding instructions will require the investor’s approval
INSTRUCTIONS		- FCMC to provide suggested bid amount to the investor (follow REO initial list strategy)

FORECLOSURE PAYMENTS		- Funds will be accepted as long as the amount of the funds received is greater than or equal to the matrix.
		- All offers must be submitted to investor regardless of matrix
		- Work rules are attached

REO		-All must be approved by the investor (Initial listing, listing reduction, accepting offers, repairs, etc.)
		-REO Department must provide suggestions (see matrix) for approval

REO RENTAL		- Investor approval required

ORDERING BPO		- * Days past due (Initiate foreclosure)**
		- * days prior to foreclosure sale**
		- BPO cannot be older than *** months (initiate foreclosure, bidding instructions, short sale, motion for relief)
		- interior bpo required on all short sales
		- Only 1st lien

PAYING PROPERTY TAXES		- Investor to provide loan level listing of those loans where property taxes are not to be paid on non escrow accounts
		- If Escrow account and delinquent with value less than $: must be approved by Vantium*

PAYING INSURANCE		- Investor will provide loan level list of those loans not to forced place (low valued property)

Exhibit G-3

INVESTOR WORK RULES (VANTIUM as of 07/20/2010)


JUDGMENT		- FCMC is required to obtain approval to initiate judgment action on all loans in the Recovery Department
		- FCMC will obtain approval by Vantium for judgment processing
		- Selection based on individual review and scoring from Wilcap Model (selected by Vantium)

ASSIGNMENT OF RENTS		Investor’s approval required

LITIGATION		Required to notify investor (approval of attorney fees/cost and settlement)

SUBORDINATION		Investor’s approval required

PROPERTY INSPECTION		- All accounts that are * days past due will require property inspection.**
		- Monthly inspection is required until account is less than * days past due**
		- Stop inspections once foreclosure sale is held.
		- Auto secure if vacant
		- Grass cut every * weeks**
		- Repairs are permitted on damaged properties up to $***
		- Winterize property if required
		- If vacant, campaign for Homeowner Relief Program, Short Sale or Deed in Lieu.
		- Exclude loans in litigation

Exhibit G-4

Loan Modification
All loan modifications must meet the following general criteria to be approved.
(MUST BE IN THE MODIFICATION BUCKET PROVIDED BY INVESTOR)

1. Total income must exceed total expenses (expenses reflective of solution proposed)

2. Income must be verified though a pay stub, tax return, or other documentation

3. Proof of homeowners insurance on subject property must be provided

4. Real Estate payment guidelines for Rewrites: (including Insurance and taxes) represent the minimum threshold as defined below. The amount may be reduced based upon documentation of medical expenses, child care expenses, transportation expenses, or other hardship issues facing the customer.

a. If the customer’s monthly income is less than $***, use ***%.

b. If the customer’s monthly income is between $***-$***, use ***%.

c. If the customer’s monthly income is between $***-$***, use ***%

d. If the customer’s monthly income is greater than $*** use ***%.

5. If the customer appears to have the income (ability to pay) to support the current structure of the note, then FCMC cannot rewrite the note.

6. *** (***) stipulation payments (new PITI) are required prior to modification.

7. If borrower has surplus funds or cash on hand (i.e. 401K), borrower is required to make down payment to participate in modification program (best effort based on financials). If we have negative escrow on a non-escrowed account, borrower must make at least ***% of outstanding balance as down payment. If borrower is in FC, borrower must follow the FC reinstatement matrix as down payment.

The following list of loan modification options shows the preferred order of solutions as well as other items to consider during evaluation.

1) Capitalization Modification — If the borrower suffered a one-time hardship, a capitalization modification is the best way to deal with their arrearage.

2) Rate Type — Change from ARM to Fixed. If default is eminent due to an ARM change, the change from an ARM to a Fixed rate loan is the best way to avoid default.

3) Rate (Fixed) — look at reductions, in ***% increments to cure the default (***% Floor).

4) Term extension — Take the loan out as far as *** years in an effort to reduce the monthly P&I obligation to the borrower.

5) Balloon — Change the amortization of the loan to balloon at the end of the term.

6) Debt Forgiveness — Least preferred solution as we are trying to recapture the principal balance. Must require Vantium’s approval.

Exhibit G-5

Foreclosure Payment Matrix

Value less than $***

Value between $*** and $***

Value greater than $***

Legal Status

SALE DATE

NO SALE DATE

SALE DATE

NO SALE DATE

SALE DATE

NO SALE DATE

FC100

***

FC90

***

FC80

***

FC70

***

FC60

***

FC50

***

FC40

***

FC30

***

FC20

***

Never initiate foreclosure on a high cost loan

- Must be a non re-start state

- Must obtain Investor’s approval

- Foreclosure will be placed on temporary hold for loan review

- Based on Total Amount Due (TAD) includes negative escrow and attorney’s fees and cost

- Must be in modification bucket provided by investor


State	Restart	State	Restart
AK	Yes	MT	Yes
AL	Yes	NC	No
AR	Yes	ND	No
AZ	No	NE	No
CA	No	NH	Yes
CO	No	NJ	No
CT	No	NM	No
DC	Yes	NV	No
DE	No	NY	No
FL	No	OH	No
GA	Yes	OK	No
HI	Yes	OR	No
IA	No	PA	No
ID	No	PR	No
IL	No	RI	Yes
IN	No	SC	No
KS	No	SD	No
KY	No	TN	Yes
LA	No	TX	Yes
MA	No	UT	No
MD	Yes	VA	Yes
ME	No	VT	No
MI	Yes	WA	No
MN	Yes	WI	No
MO	Yes	WV	Yes
MS	Yes	WY	Yes

Exhibit G-6

Initial List:
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** and Higher: ***% RMV

*** DOM:
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** and Higher: ***% RMV

*** DOM:
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $1*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** and Higher: ***% RMV

*** DOM:
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** - $***: ***% RMV
RMV: $*** - $***:***% RMV
RMV: $*** and Higher: ***% RMV

Exhibit G-7

Home Owner Relief Program

The purpose of this program is to assist borrowers whom are unable to sell their home due to a reduction in value and/or are unable to refinance their existing debt due to financial issues or home value reduction. Franklin Credit will work directly with each borrower to assist them with liquidating their home and compensating them for their assistance in this program.

Program Structure

•		Borrower list property at agreed upon listing price with a designated FCMC Realtor

•		Property is listed at a value that should incent a prospective buyer to purchase the home within *** days of listing

•		If property is sold within * days from listing, the borrower would be eligible for an incentive of % of the net purchase ($** Maximum) price (after all closing cost, commissions and related expenses are paid)

Borrower requirements

•		Borrower must have a First Mortgage with FCMC

•		Must continue to pay us a set monthly payment until home is sold — PREFERRED BUT NOT REQUIRED (MUST GET SIGNOFF FROM MANAGER)

•		Must be available to show home at acceptable times during each day

•		Borrower must move out of home prior to the closing day

•		The house must be broom cleaned at closing

•		Must maintain property condition through closing (must be in same condition or better at the time of sale, as it was when program was executed)

Process Flow

•		Only initiate if borrower declines on short sale

•		Contact all First Mortgage borrowers who are currently*** days or more delinquent

•		Explain Home Relief program to borrower

•		If unable to contact borrower conduct a Face to Face interview to explain Home Relief program (Approval required from investor)

•		Borrower agrees to be eligible for the program

•		Borrower signs agreement

•		Engage Listing Broker

•		Obtain current value of home (Interior bpo can not be older than ***days)

•		Obtain update title report

•		Run Valuation model to determine list price

•		All offers to be sent to FCMC for Approval

•		Execute Sales Agreement

•		Close on Home

•		Pay borrower their Home Relief incentive

Marketing Requirements

•		Investor must approve listing and all offers

•		List property at ***% of FMV

•		FCMC to accept offer at***% of list

•		Every *days FCMC required to reduce list price to *% of previous list price;

•		FCMC has authority to accept *% of list after initial * days on market

•		At * days on market FCMC to reduce list to *% of previous list price

•		FCMC has authority to accept ***% of current list price

•		At * days on market FCMC to reduce list to *% of previous list price

•		FCMC has authority to accept ***% of list

•		At * days on market FCMC to reduce list to *% of previous list price

•		FCMC has authority to accept ***% of list

•		At * days on market FCMC to reduce list to *% of previous list price

•		FCMC has authority to accept ***% of list

•		At * days on market review broker performance and replace if necessary, and continue to reduce at *% intervals.

•		Provide % or $ maximum of net proceeds incentive to borrower

Exhibit G-8

Hope for Homeowners Program

The purpose of this program is to assist if borrower declines a short sale or Deed-in-Lieu because they do not wish to leave their home. Franklin Credit will work directly with each borrower to assist them with refinancing their home.

Program Structure

•		Borrower must answer “yes” to 7 prescreen questions

•		Call is warm transferred to First Alliance

•		First Alliance approves or declines the refinance

Borrower requirements

•

Borrower must answer “yes” to 7 prescreen questions

Process Flow

1. Agent offers Short Sale/DIL

2. Borrower wants to remain in the home

3. Agent asks if the borrower is interested in a refinance and asks the following six prescreen questions:

	1)		***

	2)		***

	3)		***

	4)		***

	5)		***

	6)		***

	7)		***

4. If the answers to all seven questions are yes, the call is warm transferred to First Alliance at (866)546-7298 during the hours of operation which are Monday through Thursday 9am — 8pm EST, and Friday 9am — 5pm EST. After hour leads should be emailed to First Alliance at answers@1agroup.com

5. First Alliance will provide an end of day status report which will include all activity up to 4pm EST. The report will be resent the following day by 10am and will include activity after 4pm on the prior day.

6. Client Relations will prepare Client Approval Request and send to Vantium

7. Client Relations will provide will provide Client Approval results to First Alliance and FCMC Dialer Manager, FCMC Loss Mitigation Managers. Dialer Manager will add denials back to the dialer.

8. An approved refinance typically takes ***-*** days to close. Prior to closing First Alliance will request a final payoff.

9. Close on Home

Exhibit G-9

EXHIBIT H

REMOVED MORTGAGE LOANS

Exhibit H-1


LOAN ID	Prop City	Prop St	Prop Zip
***	LAWRENCE	MA		01841
***	SHAWNEE	OK		748012266
***	EAST ORANGE	NJ		07180
***	BRONX	NY		10463
***	EAST ORANGE	NJ		070172115
***	PICAYUNE	MS		39466
***	LEESVILLE	SC		29070
***	MANNING	SC		29102
***	CHICAGO	IL		60644
***	PHILADELPHIA	PA		19145
***	SALEM	NY		12865
***	ADA	OK		74820
***	BIRMINGHAM	AL		35214
***	CONWAY	SC		29526
***	PITTSBURGH	PA		15221
***	DERRY	PA		15627
***	CHICAGO	IL		60621
***	MEMPHIS	TN		38106-
***	ST. LOUIS	MO		63120
***	MANCHESTER	CT		06040
***	SEAFORD	DE		19973
***	SHUBUTA	MS		39360
***	GULFPORT	MS		39507
***	TOBYHANNA	PA		18466
***	ROUGEMONT	NC		27572
***	MANSON	NC		27553
***	CAMDEN-WYOMING	DE		19934
***	Kansas City	MO		64130-1240
***	CAROLINA	PR		00987
***	CROMWELL	CT		06416
***	JACKSON	MS		39204
***	WESTON	MA		02193
***	CLEVELAND	OH		44128
***	OAK RIDGE	NJ		07438
***	ORANGEBURG	SC		29115
***	CHICAGO	IL		60619
***	BRENTWOOD	NY		11717
***	Monroe	NC		28112
***	Winston Salem	NC		27103
***	LOS ANGELES	CA		90001
***	ROOSEVELT	UT		84066
***	OMAHA	NE		68111
***	AUSTIN	TX		78758
***	DETROIT	MI		48223
***	HARVARD	IL		60033
***	Mabelvale	AR		72103
***	Bastrop	LA		71220
***	Spicewood	TX		78669
***	Clearwater	FL		33755
***	Tallahassee	FL		32310

Exhibit H-2


LOAN ID	Prop City	Prop St	Prop Zip
***	BAKER	LA		70714
***	MADISON	IN		47250
***	JEWETT	OH		43986-8767
***	JEWETT	OH		43986-8767
***	JEWETT	OH		43986-8767
***	GIBSON CITY	IL		60936
***	Northfield	NJ		08225
***	Pink Hill	NC		28572
***	Cleveland	OH		44105
***	Stone Mountain	GA		30083
***	Durham	NC		27703
***	Stamford	CT		06902
***	Bronx	NY		10469
***	Cresson	PA		16630
***	BROADHEAD	WI		53520
***	Rockaway	NJ		07866
***	Pontiac	MI		48342
***	Macon	GA		31210
***	CLEVELAND	OH		44120
***	DECATUR	GA		30035
***	DECATUR	GA		30034
***	Pearl	MS		39208
***	Fort Mill	SC		29708
***	Gillepsie	IL		62033
***	Lancaster	NY		14086
***	Rockledge	FL		32955
***	Montgomery	TX		77356
***	Chicago	IL		60628
***	East Point	GA		30344
***	Vicksburg	MS		39180
***	Inman	SC		29349-6240
***	Vicksburg	MS		39180
***	Disputanta	VA		23842
***	GEORGETOWN	SC		29440
***	STONE MOUNTAIN	GA		30088
***	OMAHA	NE		68105
***	MUSKEGON	MI		49444
***	RAHWAY	NJ		07065
***	Plain City	OH		43064
***	Chickamauga	GA		30707
***	College Park	GA		30349
***	Stockbridge	GA		30281
***	Wyoming	MI		49509
***	Pompano Beach	FL		33062
***	Greensboro	NC		27406
***	Alexandria	IN		46001-
***	Richmond	VA		23234
***	Farmington Hills	MI		48336
***	WONDER LAKE	IL		60097
***	TRUSSVILLE	AL		35173

Exhibit H-3


LOAN ID	Prop City	Prop St	Prop Zip
***	Milwaukee	WI		53210
***	FLINT	MI		48505
***	MOBILE	AL		36612
***	OWEGO	NY		13827
***	Wittman	AZ		85361
***	Huntington	NY		11746
***	Poughkeepsie	NY		12603
***	Buffalo	NY		14215
***	Springfield	MA		01119-
***	Decatur	GA		30032-
***	Douglasville	GA		30134-
***	Dade City	FL		33525
***	Byron	GA		31008
***	Dennis	NJ		08270
***	Montrose	GA		31065
***	Atlanta	GA		30315
***	Mount Morris	MI		48458-
***	PALMDALE	CA		93552
***	Mableton	GA		30126-
***	WARREN	OH		44485
***	GULFPORT	MS		39501
***	Mount Carmel	PA		17851
***	MIAMI	FL		33142
***	Detroit	MI		48205
***	Astatula	FL		34705
***	Ozark	AL		36360
***	Apopka	FL		32712
***	MEMPHIS	TN		38118
***	Jacksonville	FL		32210
***	Ocala	FL		34475
***	Brooklyn	NY		11223
***	PITTSBURGH	PA		15221
***	DENISON	TX		75020
***	PHILADELPHIA	PA		19129
***	HOLLEY	NY		14470
***	BELLEVILLE	IL		62223
***	CANTON	OH		44705
***	LEBANON	PA		17046
***	BEAVER FALLS	PA		15010
***	WATERFORD	MI		48327
***	OMAHA	NE		68104
***	INDIANAPOLIS	IN		46208
***	HARRISON	TN		37341
***	INDIANAPOLIS	IN		46208
***	Mobile	AL		36619
***	Sheridan	IN		46069
***	Chattanooga	TN		37406
***	Jasper	TX		75951
***	Houston	TX		77095
***	WASHINGTON	PA		15301

Exhibit H-4


LOAN ID	Prop City	Prop St	Prop Zip
***	CORRYTON	TN		37721
***	COLUMBUS	OH		43224-3544
***	COLUMBUS	OH		43211-2337
***	CLEVELAND	OH		44128
***	MONTICELLO	FL		32344-9326
***	SOUTH BEND	IN		46613
***	INDIANAPOLIS	IN		46226-3333
***	CLEVELAND	OH		44128-1362
***	MILWAUKEE	WI		53223
***	EVANSVILLE	IN		47714
***	PITTSBURGH	PA		15206-1957
***	GARY	IN		46402-1036
***	MONTGOMERY	AL		36116
***	TROY	NY		12182
***	HANNIBAL	NY		13074
***	MASON	TN		38049-6731
***	Reno	NV		89512
***	Cleveland	MS		38732
***	Jamestown	NY		14701
***	St. Louis	MO		63112
***	BARNESVILLE	OH		43713
***	Toronto	OH		43964
***	Bishopville	SC		29010
***	Chicago	IL		60644
***	Indianapolis	IN		46202
***	CRYSTAL SPRINGS	MS		39059
***	Greeneville	TN		37743
***	EAST CLEVEL	OH		441124139
***	St. Louis	MO		63130
***	CANTON	OH		44707
***	SEAFORD	DE		19973-5677
***	BROXTON	GA		31519
***	NORTH LITTLE ROCK	AR		72118
***	Roseboro	NC		28382
***	Dearborn	MI		48126
***	JONESBORO	GA		30238
***	WESTMINSTER	CA		92683
***	NEW CASTLE	DE		19720
***	COLONIE	NY		12047
***	MELVILLE	NY		11747
***	EAST HAMPTON	CT		06424
***	Orlando	FL		32805
***	Katy	TX		77449
***	Denver	CO		80221
***	New Bedford	MA		02745
***	Lawndale	NC		28090
***	ROSEVILLE	MI		48066
***	ATLANTA	GA		30316
***	PHOENIX	AZ		85042
***	TOLEDO	OH		43609

Exhibit H-5


LOAN ID	Prop City	Prop St	Prop Zip
***	Newark	NJ		07106
***	Orlando	FL		32808
***	East Bend	NC		27018
***	Hubert	NC		28539
***	PALM BAY	FL		32905
***	WELDON	IL		61882
***	NEWVILLE	AL		36353
***	MORRISTOWN	TN		37814
***	LAKEVILLE	PA		18438
***	NORTH FORK	CA		93643
***	GLENWOOD SPRINGS	CO		81601
***	ALLEN PARK	MI		48101
***	CLEVELAND	OH		44104
***	BROCKTON	MA		02302
***	BRONX	NY		10475
***	PARKVILLE	MD		21234
***	Miami	FL		33125
***	DISTRICT HEIGHTS	MD		20747
***	CHICAGO	IL		60636
***	SPRING HILL	FL		34606
***	LINCOLN PARK	MI		48146
***	WAVERLY	VA		23890
***	Joliet	IL		60436
***	CORINTH	NY		12822
***	SAGINAW	MI		49602
***	SANTA CLARITA	CA		91351
***	MIAMI	FL		33165
***	RIVERSIDE	CA		92504
***	LAS VEGAS	NV		89104
***	CHIPPEWA FALLS	WI		54729
***	ELLENWOOD	GA		30294
***	OKLAHOMA CITY	OK		73120
***	MEMPHIS	TN		38118
***	Elyria	OH		44035
***	Depew	NY		14043
***	Putnam	CT		06260
***	Jonesboro	GA		30238
***	COLUMBUS	OH		43227
***	NORTH OLMSTED	OH		44070
***	AUSTIN	TX		78723
***	SARATOGA SPRINGS	NY		12866
***	ORLANDO	FL		32818
***	FRESNO	CA		93706
***	BALTIMORE	MD		21207
***	HOLLYWOOD	FL		33023
***	CLARKSVILLE	TN		37043
***	HOUSTON	TX		77053
***	EAST PEORIA	IL		61611
***	WESLACO	TX		78596
***	FORT LAUDERDALE	FL		33309

Exhibit H-6


LOAN ID	Prop City	Prop St	Prop Zip
***	MEMPHIS	TN		38127
***	HIALEAH	FL		33015
***	APOPKA	FL		32703
***	BALTIMORE	MD		21230
***	ORLANDO	FL		32810
***	PHILADELPHIA	PA		19124
***	MIAMI	FL		33147
***	LEWISBERRY	PA		17339
***	ORLANDO	FL		32811
***	PLANT CITY	FL		33563
***	FORT MYERS	FL		33912
***	SPRING HILL	FL		34609
***	CITY OF TRENTON	NJ		08618
***	GARLAND	TX		75043
***	LANCASTER	TX		75134
***	JAMAICA PLAIN	MA		02130
***	FOREST	MS		39074
***	BROOKLYN	NY		11234
***	ATTALLA	AL		35954
***	WINTHROP	MA		02152
***	ACWORTH	GA		30101
***	CORNING	CA		96021
***	WHITMAN	MA		02382
***	DAYTONA	FL		32117
***	NEWARK	NJ		07112
***	BROOKLYN	NY		11207
***	CHICOPEE	MA		01013
***	FARMVILLE	VA		23901
***	WEST HARTFORD	CT		06117
***	LITTLE ORLEANS	MD		21766
***	VIRGINIA BEACH	VA		23454
***	COLFAX	CA		95713
***	PRIOR LAKE	MN		55372
***	CLEVELAND	OH		44120
***	LITHIA SPRINGS	GA		30122
***	CRYSTAL LAKE	IL		60014
***	LYNN	MA		01905
***	NORFOLK	VA		23504
***	NORTH LITTLE ROCK	AR		72114
***	DAYTONA BEACH	FL		32114
***	PALMDALE	CA		93550
***	BENSON	NC		27504
***	CANTON	GA		30115
***	OXFORD	GA		30054
***	SEALY	TX		77474
***	REDLANDS	CA		92374
***	OKEECHOBEE	FL		34972
***	FRANKLIN	TN		37067
***	BAKERSFIELD	CA		93301
***	OAKLAND PARK	FL		33309

Exhibit H-7


LOAN ID	Prop City	Prop St	Prop Zip
***	KISSIMMEE	FL		34741
***	SPRINGFIELD	MA		01104
***	WEST ORANGE	NJ		07052
***	WAYLAND	NY		14572
***	LAUDERDALE LAKES	FL		33319
***	PLAINFIELD	IL		60544
***	HOLLAND	MI		49423
***	MIAMI	FL		33179
***	RIDGECREST	CA		93555
***	HENDERSONVILLE	TN		37075-8618
***	ELLETTSVILLE	IN		47429
***	MIAMI BEACH	FL		33141-5727
***	BOGOTA	NJ		07603
***	EVERLY	IA		51338
***	BAKERSFIELD	CA		93314
***	GRANT	MI		49327
***	SALISBURY	MD		21804
***	AUGUSTA	GA		30904
***	IRVINGTON	NJ		07111
***	KISSIMMEE	FL		34759
***	WINTER HAVEN	FL		33881
***	COLLEGE PARK	GA		30349
***	CHICAGO	IL		60615
***	GRAYLING	MI		49738
***	NEWTON	IA		50208
***	Norfolk	VA		23504
***	Orlando	FL		32835
***	Hampton	VA		23666
***	JOPPA	MD		21085
***	OTEGO	NY		13825
***	CHICAGO	IL		60624
***	BALTIMORE	MD		21206
***	COLORADO SPRINGS	CO		80909
***	LEHIGH ACRES	FL		33936
***	PERRIS	CA		92570
***	PHILADELPHIA	PA		19151
***	WHEATON	IL		60187
***	ORLANDO	FL		32822
***	FT. LAUDERDALE	FL		33311
***	NORTH LAUDERDALE	FL		33068
***	DETROIT	MI		48234
***	FOSTER CITY	CA		94404
***	DALLAS	TX		75214
***	CHICAGO	IL		60620
***	STONINGTON	CT		06378
***	Friendswood	TX		77546-3494
***	Durham	NC		27705
***	Brooklyn	NY		11212-1353
***	Hatboro	PA		19040
***	Amesbury	MA		01913

Exhibit H-8


LOAN ID	Prop City	Prop St	Prop Zip
***	West Palm Beach	FL		33415
***	Haverstraw	NY		10970
***	Rocky Point	NY		11778
***	Town of Batavia	NY		14020
***	Burke	VA		22015
***	Parlin	NJ		08859-1257
***	Village of Monroe	NY		10950-3617
***	Town of Centerville	MA		02632-3120
***	Spring Valley	NY		10977
***	Vernon Township	NJ		07422
***	Hicksville	NY		11801
***	Hillside	NJ		07205
***	Babylon	NY		11702
***	Lindenhurst	NY		11757
***	Verbank	NY		12585-5207
***	Sanborn	NY		14132-9217
***	New London	CT		06320
***	Brooklyn	NY		11218
***	Closter	NJ		07624
***	Glen Rock	NJ		07452
***	Deer Park	NY		11729
***	Brookhaven	NY		11719
***	Shamokin	PA		17872
***	Brooklyn	NY		11203
***	Southwick	MA		01077
***	Frederick	MD		21702
***	Hyde Park	MA		02126
***	Pasadena	MD		21122
***	El Cajon	CA		92021
***	Hamden	CT		06514
***	Virginia Beach	VA		23452
***	Bayville	NY		11709
***	Queens	NY		11434
***	Shirley	NY		11967
***	Farmingville	NY		11738
***	Valrico	FL		33594
***	Town of Hempstead	NY		11756
***	Fort Myers	FL		33905
***	Mineola	NY		11501
***	Levittown	PA		19054
***	Town of Thompson	NY		12775
***	Hamilton Township	NJ		08610
***	Borough of Saddle River	NJ		07458
***	Far Rockaway	NY		11691
***	Borough of Magnolia	NJ		08049
***	Town of Goshen	NY		10924
***	Township of Washington	NJ		07853
***	Palm Desert	CA		92260
***	Town of Cortland	NY		10547
***	Conshohocken	PA		19428

Exhibit H-9


LOAN ID	Prop City	Prop St	Prop Zip
***	Town of Islip	NY		11717
***	East Islip	NY		11730
***	East Islip	NY		11730
***	Town of Huron	NY		14590
***	Jamaica Plain	MA		02130
***	Twp of Lower Macungie	PA		18011
***	Brooklyn	NY		11221
***	Township of Hillside	NJ		07205
***	Newark	NJ		07112
***	Enumclaw	WA		98022
***	Yonkers	NY		10705
***	New Rochelle	NY		10801
***	White Plains	NY		10607
***	Village of Hempstead	NY		11550
***	Oakdale	NY		11769
***	East Meadow	NY		11554
***	Queens Village	NY		11429
***	Attleboro	MA		02703
***	Garden City Park	NY		11040
***	Bronx	NY		10469
***	Fall River	MA		02720
***	Westfield	NJ		07090
***	South Ozone Park	NY		11420
***	Staten Island	NY		10303
***	Township of Teaneck	NJ		07666
***	Staten Island	NY		10301
***	Orient	NY		11957
***	Jamaica	NY		11435
***	Baltimore	MD		21207
***	Bay Shore	NY		11706
***	Paterson	NJ		07501
***	New Bedford	MA		02744
***	Town of Highland	NY		12792
***	Puyallup	WA		98375
***	Upper Macungie Twp	PA		18069
***	Trenton	NJ		08629
***	Westtown	NY		10998
***	TOWN OF HUNTINGTON	NY		11746
***	TAMPA	FL		33610
***	BOROUGH OF RICHMOND	NY		10310
***	AMITYVILLE	NY		11701
***	NORWICH	CT		06360
***	HOWARD BEACH	NY		11414
***	PHILADELPHIA	PA		19148
***	BEL AIR	MD		21014
***	BELLE HARBOR	NY		11694
***	BEL AIR	MD		21015
***	WOODMERE	NY		11598
***	HEMPSTEAD	NY		11549
***	BENSALEM TOWNSHIP	PA		19020

Exhibit H-10


LOAN ID	Prop City	Prop St	Prop Zip
***	PATCHOGUE	NY		11772
***	SPRINGFIELD	MA		01128
***	BROOKLYN	NY		11203
***	STORMVILLE	NY		12582
***	EAST MEADOW	NY		11554
***	WEST CHESTER	PA		19380
***	GAITHERSBURG	MD		20879
***	WETHERSFIELD	CT		06109
***	BOLTON LANDING	NY		12814
***	BRADLEY BEACH	NJ		07720
***	VIRGINIA BEACH	VA		23454
***	COPIAGUE	NY		11726
***	EAST ELMHURST	NY		11369
***	BRENTWOOD	NY		11717
***	SOUTH OZONE PARK	NY		11420
***	JACKSONVILLE	FL		32277
***	ELIZABETH	NJ		07202
***	CHELTENHAM	MD		20623
***	TOWNSHIP OF PENNSVILLE	NJ		08070
***	HUNTINGTON STATION	NY		11746
***	TOWNSHIP OF HAMPTON	NJ		07860
***	TRENTON	NJ		08629
***	MOUNT POCONO	PA		18344
***	IPSWICH	MA		01938
***	CAMBRIA HEIGHTS	NY		11411
***	TOWNSHIP OF WILLINGBORO	NJ		08046
***	CHESAPEAKE	VA		23323
***	NEW WINDSOR	NY		12553
***	QUEENS VILLAGE	NY		11427
***	NEW HAVEN	CT		06511
***	YAPHANK	NY		11980
***	BOROUGH OF STATEN ISLAND	NY		10309
***	BROOKLYN	NY		11216
***	ISLIP	NY		11751
***	TOWN OF WALLKILL	NY		10941
***	BROOKLYN	NY		11205
***	HESPERIA	CA		92344
***	NEWARK	MD		21841
***	VILLAGE OF HEMPSTEAD	NY		11550
***	BOROUGH OF FOLSOM	NJ		08094
***	BROOKLYN	NY		11236
***	MOORESVILLE	NC		28115
***	MINEOLA	NY		11501
***	TRENTON	NJ		08609
***	COLORADO SPRINGS	CO		80918
***	NORTH CHELMSFORD	MA		01863
***	BRONX	NY		10460
***	TOWN OF ISLIP	NY		11706
***	FREEPORT	NY		11520
***	PENNSAUKEN	NJ		08109

Exhibit H-11


LOAN ID	Prop City	Prop St	Prop Zip
***	UNIONDALE	NY		11553
***	IRVINGTON	NJ		07111
***	HUNTINGTON	NY		11743
***	MATAWAN	NJ		07747
***	AMITYVILLE	NY		11701
***	WESTBURY	NY		11590
***	WOODHAVEN	NY		11421
***	TOWNSHIP OF WILLINGBORO	NJ		08046
***	HOLLAND	MA		01521
***	TOWNSHIP OF EGG HARBOR	NJ		08234
***	CHESAPEAKE BEACH	MD		20732
***	STOUGHTON	MA		02072
***	STATEN ISLAND	NY		10309
***	LAWRENCE	MA		01843
***	IRVINGTON	NJ		07111
***	MIDDLE ISLAND	NY		11953
***	ARCADIA	CA		91007
***	BROOKLYN	NY		11236
***	PATCHOGUE	NY		11772
***	AVON PARK	FL		33825
***	BRIDGEPORT	CT		06607
***	WYANDANCH	NY		11798
***	BERNARDSTON	MA		01337
***	WEST NYACK	NY		10994
***	BAY SHORE	NY		11706
***	ISLAND PARK	NY		11558
***	TOWN OF MASHPEE	MA		02649
***	BOWIE	MD		20721
***	TOWN OF PENDLETON	NY		14120
***	JAMAICA	NY		11433
***	LINDENHURST	NY		11757
***	JAMAICA	NY		11433
***	STATEN ISLAND	NY		10305
***	PLAINVIEW	NY		11803
***	BROOKLYN	NY		11221
***	SAYVILLE	NY		11782
***	FREEPORT	NY		11520
***	TOWN OF BABYLON	NY		11702
***	NEW HAVEN	CT		06511
***	ROSEDALE	NY		11422
***	SHARON HILL BOROUGH	PA		19079
***	SPRINGFIELD GARDENS	NY		11413
***	HOLBROOK	NY		11741
***	WYANDANCH	NY		11798
***	BALTIMORE	MD		21222
***	TOWN OF BROOKHAVEN	NY		11789
***	WEST SPRINGFIELD	MA		01089
***	CHALFONT	PA		18914
***	FRANKLIN PARK	NJ		08823
***	SHIRLEY	NY		11967

Exhibit H-12


LOAN ID	Prop City	Prop St	Prop Zip
***	GLOUCESTER CITY	NJ		08030
***	NORFOLK	VA		23502
***	MASSAPEQUA	NY		11758
***	CITY OF EAST ORANGE	NJ		07017
***	BRIDGEPORT	CT		06606
***	COCOUNT CREEK	FL		33063
***	BERKLEY	MA		02779
***	BELLPORT	NY		11713
***	AMBLER	PA		19002
***	BOYNTON BEACH	FL		33426
***	BLOOMFIELD	NJ		07003
***	PHILADELPHIA	PA		19150
***	CITY OF STAUNTON	VA		24401
***	NAZARETH	PA		18064
***	ALTAMONTE SPRINGS	FL		32701
***	TRENTON	NJ		08629
***	PHILADELPHIA	PA		19125
***	JAMAICA	NY		11436
***	TOWN OF HEMPSTEAD	NY		11550
***	YONKERS	NY		10701
***	AMITYVILLE	NY		11701
***	BALTIMORE	MD		21224
***	ELMSFORD	NY		10523
***	WILBRAHAM	MA		01095
***	SPRINGFIELD GARDENS	NY		11413
***	SMITHSBURG	MD		21783
***	EWING TOWNSHIP	NJ		08638
***	HAMPTON	VA		23669
***	WATERBURY	CT		06705
***	NORTHFORD	CT		06472
***	TOWN OS MARBLETOWN	NY		12491
***	BROOKLYN	NY		11203
***	NEWARK	NJ		07112
***	BROOKLYN	NY		11207
***	SAINT ALBANS	NY		11412
***	METUCHEN	NJ		08840
***	ISLIP TERRACE	NY		11752
***	WORCESTER	MA		01607
***	SAN DIEGO	CA		92101
***	CITY OF FRANCONIA	NH		03580
***	SPRINGFIELD GARDENS	NY		11434
***	BALDWIN	NY		11510
***	TOWNSHIP OF IRVINGTON	NJ		07111
***	BROOKHAVEN	PA		19015
***	OCEAN VIEW	DE		19970
***	JERSEY CITY	NJ		07305
***	ANSONIA	CT		06401
***	NEWPORT NEWS	VA		23608
***	COLUMBIA	MD		21044
***	MARYSVILLE	WA		98270

Exhibit H-13


LOAN ID	Prop City	Prop St	Prop Zip
***	CORAM	NY		11727
***	PITTSGROVE	NJ		08318
***	NATICK	MA		01760
***	TRAVELERS REST	SC		29690
***	NORWALK	CT		06854
***	MARLBOROUGH	MA		01752
***	MANTEO	NC		27954
***	CAPITOL HEIGHTS	MD		20743
***	BRIDGEPORT	CT		06604
***	WHITMAN	MA		02382
***	NATIONAL PARK	NJ		08063
***	WILLINGBORO	NJ		08046
***	STATEN ISLAND	NY		10314
***	PHILADELPHIA	PA		19147
***	SEVERNA PARK	MD		21146
***	ALAMO	CA		94507
***	MOUNT SINAI	NY		11766
***	WANTAGH	NY		11793
***	TAUNTON	MA		02780
***	CAMBRIA HEIGHTS	NY		11411
***	MIAMI	FL		33169
***	EAST HARTFORD	CT		06108
***	AUBURN	ME		04210
***	OAKHURST	NJ		07755
***	PHILADELPHIA	PA		19150
***	POMPANO BEACH	FL		33064
***	KEANSBURG	NJ		07734
***	LANTANA	FL		33462
***	STATEN ISLAND	NY		10301
***	BROOKLYN	NY		11237
***	BRIDGEPORT	CT		06608
***	BROOKLYN	NY		11233
***	EAST ELMHURST	NY		11370
***	NESQUEHONING	PA		18240
***	OXFORD	PA		19363
***	UPPER MARLBORO	MD		20772
***	HOMESTEAD	FL		33035
***	BROOKLYN	NY		11207
***	NEW CASTLE	DE		19720
***	MOUNT VERNON	NY		10553
***	BROOKLYN	NY		11226
***	COCONUT CREEK	FL		33073
***	YEADON	PA		19050
***	MOUNT VERNON	NY		10550
***	ANNAPOLIS	MD		21409
***	MILLER PLACE	NY		11764
***	NEW HAVEN	CT		06511
***	YONKERS	NY		10701
***	NASSAU	NY		12123
***	FLUSHING	NY		11365

Exhibit H-14


LOAN ID	Prop City	Prop St	Prop Zip
***	RONKONKOMA	NY		11779
***	BLOOMFIELD	CT		06002
***	ONSET	MA		02558
***	LINDENHURST	NY		11757
***	HAMILTON	NJ		08650
***	SPRINGFIELD GARDENS	NY		11413
***	ROCKY HILL	CT		06067
***	RADIANT	VA		22732
***	ABINGTON	PA		19001
***	BROOKLYN	NY		11216
***	HICKSVILLE	NY		11801
***	SPRINGFIELD	MA		01109
***	JAMAICA	NY		11435
***	MIDDLETOWN	NY		10940
***	BROOKLYN	NY		11207
***	TEANECK	NJ		07666
***	OCALA	FL		34480
***	GREENBURGH	NY		10523
***	BELLE MEAD	NJ		08502
***	TAMPA	FL		33617
***	STRATFORD	CT		06615
***	MIAMI	FL		33150
***	DISTRICT HEIGHTS	MD		20747
***	TOMS RIVER	NJ		08735
***	VAUXHALL	NJ		07088
***	FORT LAUDERDALE	FL		33311
***	BROOKLYN	NY		11208
***	BRIDGEPORT	CT		06608
***	IRVINGTON	NJ		07111
***	BRONX	NY		10466
***	PATERSON	NJ		07522
***	UNIONDALE	NY		11553
***	BROOKLYN	NY		11203
***	UPPER MARLBORO	MD		20772
***	BENSALEM	PA		19020
***	LAKE ARIEL	PA		18436
***	WAPPINGERS FALLS	NY		12590
***	PHILADELPHIA	PA		19120
***	STRATHAM	NH		03885
***	MIDDLETOWN	NY		10941
***	BERWICK	ME		03901
***	LORTON	VA		22079
***	BAY SHORE	NY		11706
***	PEEKSKILL	NY		10566
***	STATEN ISLAND	NY		10301
***	POUGHKEEPSIE	NY		12603
***	MARTINSBURG	WV		25404
***	BROOKLYN	NY		11221
***	CORTLANDT MANOR	NY		10567
***	NESCONSET	NY		11767

Exhibit H-15


LOAN ID	Prop City	Prop St	Prop Zip
***	MOUNT KISCO	NY		10549
***	BALTIMORE	MD		21212
***	MIAMI	FL		33142
***	WHITE PLAINS	NY		10606
***	BROOKLYN	NY		11203
***	PHILADELPHIA	PA		19154
***	TRENTON	NJ		08611
***	EWING	NJ		08638
***	BRENTWOOD	NY		11717
***	BROOKLYN	NY		11221
***	HAVERSTRAW	NY		10927
***	LAKE GROVE	NY		11755
***	TOWN OF EAST FISHKILL	NY		12533
***	IRVINGTON	NJ		07111
***	MOORESTOWN	NJ		08057
***	MCCLELLANVILLE	SC		29458
***	POUGHKEEPSIE	NY		12603
***	BALLSTON SPA	NY		12020
***	BROOKLYN	NY		11223
***	NEWPORT NEWS	VA		23608
***	JAMAICA	NY		11436
***	APPLE VALLEY	CA		92308
***	CENTRAL ISLIP	NY		11722
***	SOUTH ORANGE	NJ		07079
***	BROOKLYN	NY		11210
***	EGG HARBOR TOWNSHIP	NJ		08234
***	HEMPSTEAD	NY		11550
***	LEVITTOWN	NY		11756
***	BROOKLYN	NY		11216
***	TROY	NY		12180
***	ENGLEWOOD	NJ		07631
***	LINDENWOLD	NJ		08021
***	PHILADELPHIA	PA		19153
***	HAVERTOWN	PA		19083
***	MORRISVILLE	PA		19067
***	PROSPECT PARK	PA		19076
***	NEWARK	NJ		07104
***	RICHMOND	VA		23231
***	ARVERNE	NY		11692
***	POMONA	NY		10970
***	BEAUMONT	CA		92223
***	HAINES CITY	FL		33844
***	WILMINGTON	DE		19806
***	COLUMBIA	CT		06237
***	PHILADELPHIA	PA		19152
***	AFTON	VA		22920
***	AMBLER	PA		19002
***	PITTSBURGH	PA		15237
***	MASURY	OH		44438-
***	CLEVELAND	OH		44108

Exhibit H-16


LOAN ID	Prop City	Prop St	Prop Zip
***	SAINT LOUIS	MO		63113
***	Leechburg	PA		15656
***	EASLEY	SC		29642
***	CHESNEE	SC		29323
***	CHICAGO	IL		60615
***	AKRON	OH		44306
***	KANSAS CITY	MO		64134
***	FAIRLAND	OK		74343
***	CINCINNATI	OH		45205
***	EAST CLEVEL	OH		44112
***	MONROEVILLE	PA		15146
***	SAUK VILLAG	IL		60411
***	ELWOOD	IN		46036
***	DANVILLE	IN		46122
***	COLUMBUS	OH		43204
***	HENDERSON	NC		27536
***	MEMPHIS	TN		38141
***	CINCINNATI	OH		45214
***	TOLEDO	OH		43602
***	SMITHVILLE	OH		44677
***	DETROIT	MI		48221
***	ADRIAN	MI		49221
***	ATLANTA	GA		30316
***	TYLER	TX		75709
***	DAYTON	OH		45404
***	WILLIAMSBURG	OH		45176
***	OLATHE	KS		66062
***	MARKHAM	IL		60465
***	DAYTON	OH		45404
***	GALESBURG	IL		61401
***	TAYLOR	MI		48180
***	KENNER	LA		70065
***	TOLEDO	OH		43608
***	SOUTH BEND	IN		46614
***	BATON ROUGE	LA		70805
***	RICHTON PARK	IL		60471
***	CHICAGO	IL		60636
***	ROCKFORD	IL		61109
***	BUSHKILL	PA		18324
***	CLEVELAND	OH		44110
***	FORT WAYNE	IN		46803
***	ST MARYS	OH		45885
***	EAST CLEVELAND	OH		44112
***	DEARBORN HEIGHTS	MI		48127
***	BETHEL	OH		45106
***	KNOXVILLE	TN		37923
***	LADYSMITH	WI		54848
***	SAINT LOUIS	MO		63138
***	MACOMB	MI		48044
***	TOLEDO	OH		43608

Exhibit H-17


LOAN ID	Prop City	Prop St	Prop Zip
***	CALUMET CITY	IL		60409
***	INDIANAPOLI	IN		46219
***	CHICAGO	IL		60609
***	CLEVELAND	OH		44108
***	GARYVILLE	LA		70051
***	RUSHVILLE	IN		46173
***	MICHIGAN CITY	IN		46360
***	SCRANTON	PA		18510
***	FLINT	MI		48507
***	MACON	GA		31201
***	FLINT	MI		48507
***	CHICAGO	IL		60651
***	WARREN	OH		44485
***	MEMPHIS	TN		38118
***	BALTIMORE	OH		43105
***	WABASH	IN		46992
***	COLUMBUS	OH		43232
***	ERIE	PA		16508
***	ST LOUIS	MO		63113
***	GARY	IN		46404
***	CINCINNATI	OH		45225
***	KANSAS CITY	MO		64130
***	CINCINNATI	OH		45215
***	PEORIA	IL		61603
***	DETROIT	MI		48221
***	NORTH MIAMI	FL		33161
***	CLEVELAND	OH		44104
***	FORT WAYNE	IN		46806
***	BATTLECREEK	MI		49017
***	ST LOUIS	MO		63116
***	IMPERIAL	MO		63052
***	STATESVILLE	NC		28677
***	DETROIT	MI		48227
***	HARLAN	KY		40831
***	SPRINGFIELD	OH		45505
***	KANSAS CITY	MO		64130
***	PORT LEYDEN	NY		13433
***	MARYVILLE	TN		37804
***	FLINT	MI		48507
***	CINCINNATI	OH		45229
***	MADISON HEI	MI		48071
***	LINDSEY	OH		43442
***	TOLEDO	OH		43612
***	DAYTON	OH		45404
***	SMYRNA	TN		37167
***	CHARLOTTE	NC		28216
***	ST LOUIS	MO		63120
***	SOUTHFIELD	MI		48075
***	LITHONIA	GA		30058
***	NATICK	MA		01760

Exhibit H-18


LOAN ID	Prop City	Prop St	Prop Zip
***	DETROIT	MI		48227
***	ASHTABULA	OH		44004
***	HENDERSON	NC		27536
***	BETTSVILLE	OH		44815
***	MARYSVILLE	OH		43040
***	DAYTON	OH		45406
***	CINCINNATI	OH		45240
***	SHEBOYGAN FALLS	WI		53085
***	KANSAS CITY	MO		64119
***	GREENVILLE	TN		37743
***	SOUTHFIELD	MI		48075
***	BELLEVILLE	IL		62226
***	INKSTER	MI		48141
***	HARVEY	LA		70058
***	BRADFORD	OH		45308
***	PHILADELPHIA	PA		19132
***	JACKSONVILL	FL		32210
***	CRESTWOOD	IL		60445
***	GREENEVILLE	TN		37745

Exhibit H-19

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Table of Contents

LOAN SERVICING AGREEMENT by and among VANTIUM CAPITAL MARKETS, L.P., as an Owner VANTIUM REO CAPITAL MARKETS, L.P. as an Owner, and FRANKLIN CREDIT MANAGEMENT CORPORATION as the Servicer dated as of July 1, 2010

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