GREENWICH CAPITAL ACCEPTANCE, INC., Depositor GREENWICH CAPITAL FINANCIAL PRODUCTS, INC., Seller and POOLING AND SERVICING AGREEMENT Dated as of March 1, 2005 HarborView Mortgage Loan Trust 2005-2 Mortgage Loan Pass-Through Certificates, Series 2005-2

EXECUTION COPY

GREENWICH CAPITAL ACCEPTANCE, INC.,
Depositor

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,
Seller

and

U.S. BANK NATIONAL ASSOCIATION,
Trustee

POOLING AND SERVICING AGREEMENT

Dated as of March 1, 2005

__________________________________

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Table of Contents

Page

ARTICLE I DEFINITIONS; DECLARATION OF TRUST

SECTION 1.01. Defined Terms.

SECTION 1.02. Accounting.

ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE
OF CERTIFICATES

SECTION 2.01. Conveyance of Mortgage Loans.

SECTION 2.02. Acceptance by Trustee.

SECTION 2.03. Repurchase or Substitution of Mortgage Loans by the Originator and the
Seller.

SECTION 2.04. Representations and Warranties of the Seller with Respect to the
Mortgage Loans.

SECTION 2.05. [Reserved].

SECTION 2.06. Representations and Warranties of the Depositor.

SECTION 2.07. Issuance of Certificates.

SECTION 2.08. Representations and Warranties of the Seller.

SECTION 2.09. Covenants of the Seller.

ARTICLE III ADMINISTRATION OF THE MORTGAGE LOANS

SECTION 3.01. Servicing of the Mortgage Loans.

SECTION 3.02. REMIC-Related Covenants.

SECTION 3.03. Release of Mortgage Files.

SECTION 3.04. REO Property.

SECTION 3.05. Reports Filed with Securities and Exchange Commission.

SECTION 3.06. UCC.

SECTION 3.07. Indemnification by the Trustee.

ARTICLE IV ACCOUNTS

SECTION 4.01. Servicing Accounts

SECTION 4.02. Distribution Account.

SECTION 4.03. Permitted Withdrawals and Transfers from the Distribution Account.

SECTION 4.04. Yield Maintenance Account.

SECTION 4.05. Certificate Insurance Policy.

ARTICLE V FLOW OF FUNDS

SECTION 5.01. Distributions.

SECTION 5.02. Allocation of Net Deferred Interest.

SECTION 5.03. Allocation of Realized Losses.

SECTION 5.04. Statements.

SECTION 5.05. Remittance Reports; Advances.

SECTION 5.06. [Reserved]

SECTION 5.07. Basis Risk Reserve Fund.

SECTION 5.08. Recoveries.

ARTICLE VI THE CERTIFICATES

SECTION 6.01. The Certificates.

SECTION 6.02. Registration of Transfer and Exchange of Certificates.

SECTION 6.03. Mutilated, Destroyed, Lost or Stolen Certificates.

SECTION 6.04. Persons Deemed Owners.

ARTICLE VII DEFAULT

SECTION 7.01. Event of Default.

SECTION 7.02. Trustee to Act.

SECTION 7.03. Waiver of Event of Default.

SECTION 7.04. Notification to Certificateholders.

ARTICLE VIII THE TRUSTEE

SECTION 8.01. Duties of the Trustee

SECTION 8.02. Certain Matters Affecting the Trustee

SECTION 8.03. Trustee Not Liable for Certificates or Mortgage Loans.

SECTION 8.04. Trustee and Custodian May Own Certificates.

100

SECTION 8.05. Trustee’s Fees and Expenses.

100

SECTION 8.06. Eligibility Requirements for Trustee

100

SECTION 8.07. Resignation or Removal of Trustee

101

SECTION 8.08. Successor Trustee

102

SECTION 8.09. Merger or Consolidation of Trustee

102

SECTION 8.10. Appointment of Co-Trustee or Separate Trustee.

102

SECTION 8.11. Limitation of Liability.

103

SECTION 8.12. Trustee May Enforce Claims Without Possession of Certificates.

104

SECTION 8.13. Suits for Enforcement.

104

SECTION 8.14. Waiver of Bond Requirement.

104

SECTION 8.15. Waiver of Inventory, Accounting and Appraisal Requirement.

104

SECTION 8.16. Appointment of Custodians.

105

SECTION 8.17. Indemnification

105

ARTICLE IX REMIC ADMINISTRATION

106

SECTION 9.01. REMIC Administration.

106

SECTION 9.02. Prohibited Transactions and Activities.

108

ARTICLE X TERMINATION

108

SECTION 10.01. Termination.

108

SECTION 10.02. Additional Termination Requirements.

110

ARTICLE XI [RESERVED]

110

ARTICLE XII MISCELLANEOUS PROVISIONS

110

SECTION 12.01. Amendment.

110

SECTION 12.02. Recordation of Agreement; Counterparts.

111

SECTION 12.03. Limitation on Rights of Certificateholders.

112

SECTION 12.04. Governing Law; Jurisdiction.

113

SECTION 12.05. Notices.

113

SECTION 12.06. Severability of Provisions.

114

SECTION 12.07. Article and Section References.

114

SECTION 12.08. Notice to the Rating Agency.

114

SECTION 12.09. Further Assurances.

115

SECTION 12.10. Benefits of Agreement.

115

SECTION 12.11. Acts of Certificateholders.

115

SECTION 12.12. Successors and Assigns.

116

SECTION 12.13. Provision of Information.

116

EXHIBITS AND SCHEDULES:

Exhibit A-1

Form of Class A Certificate

X-0

Xxxxxxx X-0

Form of Class X Certificate

X-0

Xxxxxxx X-0

Form of Class PO Certificate

A-3

Exhibit B

Form of Class A-R Certificate

B-1

Exhibit C

Form of Subordinate Certificate

C-1

Exhibit D

Form of Class Y Certificate

D-1

Exhibit E

Form of Reverse of the Certificates

E-1

Exhibit F

Request for Release

F-1

Exhibit G-1

Form of Receipt of Mortgage Note

G-1-1

Exhibit G-2

Form of Interim Certification of Trustee

G-2-1

Exhibit G-3

Form of Final Certification of Trustee

G-3-1

Exhibit H

Form of Lost Note Affidavit

H-1

Exhibit I-1

Form of ERISA Representation Class A-R

I-1-1

Exhibit I-2

Form of ERISA Representation For ERISA-Restricted Certificates

I-2-1

Exhibit J-1

Form of Investment Letter Non-Rule 000X

X-0-0

Xxxxxxx X-0

Form of Rule 144A Investment Letter

J-2-1

Exhibit K

Form of Transferor Certificate

K-1

Exhibit L

Transfer Affidavit for Class A-R Certificate Pursuant to

Section 6.02(e)

L-1

Exhibit M

List of Servicing Agreements

M-1

Exhibit N-1

Form of Transfer Certificate (Restricted Global Security to

Regulation S Security)

N-1-1

Exhibit N-2

Form of Transfer Certificate (Regulation S Security to

Restricted Global Security)

N-2-1

Exhibit O

Class 2-A-1C Certificate Insurance Policy

O-1

Schedule I

Mortgage Loan Schedule

Schedule II

[Reserved]

Schedule III

Yield Maintenance Payments

This Pooling and Servicing Agreement is dated as of March 1, 2005 (the “Agreement”), among GREENWICH CAPITAL ACCEPTANCE, INC., a Delaware corporation, as depositor (the “Depositor”), GREENWICH CAPITAL FINANCIAL PRODUCTS, INC., a Delaware corporation, as seller (the “Seller”) and U.S. BANK NATIONAL ASSOCIATION, a national banking association, as trustee (the “Trustee”).

PRELIMINARY STATEMENT:

Through this Agreement, the Depositor intends to cause the issuance and sale of the HarborView Mortgage Loan Trust 2005-2 Mortgage Loan Pass-Through Certificates, Series 2005-2 (the “Certificates”) representing in the aggregate the entire beneficial ownership of the Trust, the primary assets of which are the Mortgage Loans (as defined below).

The Depositor intends to sell the Certificates to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Trust Fund created hereunder. The Certificates will consist of fifteen classes of certificates, designated as (i) the Class 1-A Certificates, (ii) the Class 2-A-1A Certificates, (iii) the Class 2-A-1B Certificates, (iv) the Class 2-A-1C Certificates, (v) the Class 2-A-2 Certificates, (vi) the Class X Certificates, (vii) the Class PO Certificates, (viii) the Class A-R Certificates, (ix) the Class B-1 Certificates, (x) the Class B-2 Certificates, (xi) the Class B-3 Certificates, (xii) the Class B-4 Certificates, (xiii) the Class B-5 Certificates, (xiv) the Class B-6 Certificates and (xv) the Class Y Certificate.

As provided herein, the Trustee shall elect that the Trust Fund (exclusive of the assets held in the Basis Risk Reserve Fund and the Yield Maintenance Account and the Yield Maintenance Agreements) be treated for federal income tax purposes as comprising two real estate mortgage investment conduits (each, a “REMIC” or, in the alternative, the “Lower-Tier REMIC” and the “Upper-Tier REMIC”). Each Certificate, other than the Class A-R Certificate, shall represent ownership of a regular interest in the Upper-Tier REMIC, as described herein. In addition, (i) the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates represent the right to receive payments in respect of Basis Risk Shortfalls from the Basis Risk Reserve Fund as provided in Section 5.07 and (ii) the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2 Certificates represent the right to receive payments in respect of Basis Risk Shortfalls from the Yield Maintenance Account as provided in Section 4.04. The owners of the Class X Certificates beneficially own the Basis Risk Reserve Fund and the Yield Maintenance Account. The Class A-R Certificate represents the sole class of residual interest in each REMIC.

The Lower-Tier REMIC shall hold as assets all property of the Trust Fund other than the assets held in the Basis Risk Reserve Fund, the Yield Maintenance Account, the Yield Maintenance Agreements, and the interests in the Lower-Tier REMIC formed hereby. The Upper Tier REMIC shall hold as assets the uncertificated Lower-Tier REMIC Interests, other than the Class LT-R Interest. Each such Lower-Tier Interest is hereby designated as a REMIC regular interest.

Lower-Tier REMIC Interests

The following table specifies the Class designation, interest rate, and initial Class Principal Amount for each Class of Lower-Tier REMIC Interest:

Designation	Interest Rate	Initial Principal Balance	Corresponding Class of Certificates
LT1-A	(1)	$ 308,380,050.00	Class 1-A & A-R
LT2-A-1A	(1)	$ 329,735,500.00	Class 2-A-1A
LT2-A-1B	(1)	$ 132,324,000.00	Class 2-A-1B
LT2-A-1C	(1)	$ 87,500,000.00	Class 2-A-1C
LT2-A-2	(1)	$ 34,264,500.00	Class 0-X-0
XXX-0	(1)	$ 23,338,000.00	Class B-1
LTB-2	(1)	$ 18,476,000.00	Class B-2
LTB-3	(1)	$ 14,100,000.00	Class B-3
LTB-4	(1)	$ 13,614,000.00	Class B-4
LTB-5	(1)	$ 6,320,500.00	Class B-5
LTB-6	(1)	$ 4,377,367.16	Class B-6
LTQ	(1)	$ 933,532,818.47	N/A
LTZ	(1)	$ 19,448,599.34	N/A
LTY	(1)	$ 19,448,599.34	N/A
LT-R	(2)	(2)	Class A-R

__________________________

(1)

The interest rate with respect to any Distribution Date (and the related Accrual Period) for each of these Lower-Tier Interests is a per annum rate equal to the Net WAC of the Mortgage Loans.

(2)

The LT-R Interest is the sole class of residual interests in REMIC 2. It does not have an interest rate or a principal balance.

On each Distribution Date, Available Funds shall be allocated among the Lower-Tier Interests interest, and Realized Losses shall be allocated, among the Lower-Tier Interests, in the following order of priority:

(i)

First, to the LTZ and LTY Interests in reduction of their principal balances as follows –

To the LTZ Interest the amount, if any, required to reduce its principal balance to the LTZ Target Balance for such Distribution Date;

ii.

To the LTY Interest the amount, if any, required to reduce its principal balance to the LTY Target Balance for such Distribution Date;

iii.

To the LTZ and LTY Interests in proportion to their principal balances, after taking into account distributions pursuant to priorities (a) and (b) above, until the sum of their principal balances equals 2% of the Pool Balance immediately after such Distribution Date;

(ii)

Second, concurrently to the XX0-X, XX0-X-0X, XX0-X-0X, XX0-X-0X, XX0-X-0, XXX-0, XXX-0, LTB-3. LTB-4, LTB-5 and LTB-6 Interests until the principal balance of each such Lower-Tier Interest equals 50% of the Class Certificate Principal Balance or Balances of the Corresponding Class or Classes of Certificates for such Lower-Tier Interest immediately after such Distribution Date;

(iii)

Third, to the LTQ Interest until its principal balance equals the sum of (a) 48% of the aggregate of the Pool Balance immediately after such Distribution Date plus (b) the lesser of $50.00 of 50% of the Class Certificate Principal Balance of the Class PO Certificates immediately after such Distribution Date;

(iv)

Fourth, remaining Available Funds shall be applied to interest distributions on the Lower-Tier Interests at the interest rates described above, provided, however, that any Net Deferred Interest on the Mortgage Loans will be allocated among and increase the principal balances of the Lower-Tier Interests in the same order of priority in which principal is distributed among the Lower-Tier Interests pursuant to priorities (i) through (iii) above.

On any Distribution Date, after all distributions of Available Funds on such date, Realized Losses shall be allocated among the Lower-Tier Interests in the same order of priority in which principal is distributed among the Lower-Tier Interests pursuant to priorities (i) through (iii) above.

The Certificates

The following table sets forth (or describes) the Class designation, Pass-Through Rate, and Original Class Certificate Principal Balance (or initial Certificate Notional Balance) for each Class of Certificates comprising interests in the Trust Fund created hereunder. Each Class of Certificates, other than the Class A-R Certificates and the Class Y Certificate, is hereby designated as representing ownership of regular interests in the Upper-Tier REMIC.

	Original Class Certificate Principal Balance or Class Certificate Notional Balance	Pass-Through Rate
Class 1-A	$616,760,000.00	(1)
Class 2-A-1A	$659,471,000.00	(1)
Class 2-A-1B	$264,648,000.00	(1)
Class 2-A-1C	$175,000,000.00	(1)
Class 2-A-2	$ 68,529,000.00	(1)
Class X	Notional Amount (2)	(1)(2)
Class PO	$100.00(3)	(4)
Class A-R	$100.00	(1)
Class B-1	$ 46,676,000.00	(5)
Class B-2	$ 36,952,000.00	(5)
Class B-3	$ 28,200,000.00	(5)
Class B-4	$ 27,228,000.00	(5)
Class B-5	$ 12,641,000.00	(5)
Class B-6	$ 8,754,734.32	(5)
Class Y	(6)	(6)

____________

(1)

Calculated pursuant to the definition of “Pass-Through Rate.”

(2)

For purposes of the REMIC provisions, the Class X Certificates shall accrue interest on a notional balance equal to the sum of the principal balances of the Lower-Tier Interests (other than the LT-R Interest). For purposes of the REMIC Provisions, interest shall accrue on the Class X Certificate at a rate equal to the excess, if any, of (i) the product of (a) the weighted average of the interest rates on the LTZ and LTY Interests immediately after such Distribution Date, computed for this purpose by subjecting the interest rate on the LTY Interest to a cap of 0.00%, multiplied by (b) two, over (ii) the Adjusted Lower-Tier WAC. The Class X Certificates are interest-only certificates and will not be entitled to distributions of principal.

(3)

The Class PO Certificates will be deemed for purposes of the distribution of principal to consist of two components: the PO-1 Component and the PO-2 Component. The Components are not severable. For purposes of the REMIC Provisions, the Class PO Certificates shall accrue interest on a notional balance equal to the sum of the principal balances of the Lower-Tier Interests (other than the LT-R Interest). For purposes of the REMIC Provisions, interest shall accrue on the Class PO Certificates at a rate equal to the excess of (i) the Net WAC over (ii) the Adjusted Lower-Tier Pay Rate. Any interest accrued on the Class PO Certificates will not be paid currently but shall increase the Component Principal Balances of the Class PO-1 and Class PO-2 Components in proportion to the amount of interest deferred on the related Loan Group.

(4)

The Class PO Certificate is a principal-only certificates and will not be entitled to distributions of interest.

(5)

Calculated pursuant to the definition of “Pass-Through Rate,” but adjusted, for purposes of the REMIC Provisions, to reflect the allocation, if any, of Subordinate Class Expense Share.

(6)

The Class Y Certificates will not have a Class Certificate Principal Balance or a Class Notional Balance. The Class Y Certificates will not be entitled to distributions of interest or principal.

ARTICLE I

DEFINITIONS; DECLARATION OF TRUST

SECTION 1.01. Defined Terms.

Whenever used in this Agreement or in the Preliminary Statement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. All calculations of interest described herein shall be made on the basis of an assumed 360-day year consisting of twelve 30-day months.

“1933 Act”: The Securities Act of 1933, as amended.

“Acceptable Successor Servicer”: A FHLMC- or FNMA-approved servicer that is (i) reasonably acceptable to the Trustee and (ii) acceptable to each Rating Agency, as evidenced by a letter from each such Rating Agency delivered to the Trustee that such entity’s acting as a successor servicer will not result in a qualification, withdrawal or downgrade of the then-current rating of any of the Certificates.

“Account”: The Distribution Account or each Servicing Account, as the context requires.

“Accrual Period”: With respect to each Distribution Date and the Class X, Class A-R, and any Class of Lower-Tier Interests, the calendar month prior to the month of that Distribution Date. With respect to each Distribution Date and the LIBOR Certificates, the period beginning on the immediately preceding Distribution Date (or Closing Date in the case of the first Distribution Date) and ending on the date immediately preceding such Distribution Date. Interest on the LIBOR Certificates will be calculated on the basis of a 360-day year and the actual number of days elapsed in the related Accrual Period; in the case of the other Classes of Certificates (and the Lower-Tier Interests), interest shall be calculated based on an assumption that each month has 30 days and each year has 360 days.

“Accrued Interest Amount”: For any Distribution Date and for any Undercollateralized Group, an amount equal to one month’s interest on the applicable Principal Deficiency Amount at the Net WAC of the applicable Loan Group, plus any interest accrued on such Undercollateralized Group remaining unpaid from prior Distribution Dates.

“Adjusted Cap Rate”: Either of the LIBOR Adjusted Cap Rate or the Class X Adjusted Cap Rate, as applicable.

“Adjustment Date”: With respect to each Mortgage Loan, each adjustment date on which the related Loan Rate changes pursuant to the related Mortgage Note. The first Adjustment Date following the Cut-Off Date as to each Mortgage Loan is set forth in the Mortgage Loan Schedule.

“Adjusted Lower-Tier Pay Rate”: For any Distribution Date (and the related Accrual Period), the product of (i) 2 multiplied by (ii) the weighted average of the interest rates on the XX0-X, XX0-X-0X, XX0-X-0X, XX0-X-0X, XX0-X-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0, LTQ, LTZ, and LTY Interests, weighted on the basis of their principal balances as of the first day of the related Accrual Period and computed for this purpose by first subjecting the interest rate on the LTQ, LTZ, and LTY Interests to a cap of 0.00%, and first subjecting the interest rate on each of the XX0-X, XX0-X-0X, XX0-X-0X, XX0-X-0X, XX0-X-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0 and LTB-6 Interests to (i) a cap equal to the Pass-Through Rate for the Corresponding Class of Certificates (multiplied by the quotient of (a) the actual number of days in the Accrual Period for the Corresponding Class of Certificates divided by (b) 30, if the Corresponding Class of Certificates is a Class of LIBOR Certificates) and (ii) a floor equal to the Adjusted Net WAC.

“Adjusted Lower-Tier WAC”: For any Distribution Date (and the related Accrual Period), the product of (i) 2 multiplied by (ii) the weighted average of the interest rates on the XX0-X, XX0-X-0X, XX0-X-0X, XX0-X-0X, XX0-X-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0, LTQ, LTZ, and LTY Interests, weighted on the basis of their principal balances as of the first day of the related Accrual Period and computed for this purpose by first subjecting the interest rate on the LTQ, LTZ, and LTY Interests to a cap of 0.00%, and first subjecting the interest rate on each of the XX0-X, XX0-X-0X, XX0-X-0X, XX0-X-0X, XX0-X-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0, and LTB-6 Interests to a cap equal to the lesser of (i) the Pass-Through Rate for the Corresponding Class of Certificates (multiplied by the quotient of (a) the actual number of days in the Accrual Period for the Corresponding Class of Certificates divided by (b) 30, if the Corresponding Class of Certificates is a Class of LIBOR Certificates) and (ii) the Adjusted Net WAC.

“Adjusted Net WAC”: For any Distribution Date, the excess of (i) the Net WAC for such Distribution Date over (ii) the quotient of (a) product of (I) the Net Deferred Interest for such Distribution Date multiplied by (II) 12, divided by (b) the Pool Balance for such Distribution Date.

“Advance”: With respect to any Distribution Date and any Mortgage Loan or REO Property, any advance made by the Servicer pursuant to Section 7.02.

“Adverse REMIC Event”: Either (i) loss of status as a REMIC, within the meaning of Section 860D of the Code, for any group of assets identified as a REMIC in the Preliminary Statement to this Agreement, or (ii) imposition of any tax, including the tax imposed under Section 860F(a)(1) on prohibited transactions, and the tax imposed under Section 860G(d) on certain contributions to a REMIC, on any REMIC created hereunder to the extent such tax would be payable from assets held as part of the Trust Fund.

“Affiliate”: With respect to any Person, any other Person controlling, controlled by or under common control with such Person. For purposes of this definition, “control” means the power to direct the management and policies of a Person, directly or indirectly, whether through ownership of voting securities, by contract or otherwise and “controlling” and “controlled” shall have meanings correlative to the foregoing.

“Aggregate Subordinate Percentage”: As to any Distribution Date, the percentage equivalent of a fraction the numerator of which is the aggregate of the Class Certificate Principal Balances of the Classes of Subordinate Certificates and the denominator of which is the Pool Balance for such Distribution Date.

“Agreement”: This Pooling and Servicing Agreement, dated as of March 1, 2005, as amended, supplemented and otherwise modified from time to time.

“Applicable Credit Support Percentage”: As defined in Section 5.01(d).

“Apportioned Principal Balance”: As to any Class of Subordinate Certificates, a Loan Group and any Distribution Date, the Class Certificate Principal Balance of such Class immediately prior to such Distribution Date multiplied by a fraction, the numerator of which is the Subordinate Component for the related Loan Group for such date and the denominator of which is the sum of the Subordinate Components (in the aggregate).

“Assignment”: As to any Mortgage, an assignment of mortgage, notice of transfer or equivalent instrument, in recordable form, which is sufficient, under the laws of the jurisdiction in which the related Mortgaged Property is located, to reflect or record the sale of such Mortgage.

“Available Funds”: As to any Distribution Date and any Loan Group, an amount equal to (i) the sum of (a) the aggregate of the Monthly Payments received on or prior to the related Determination Date (excluding Monthly Payments due in future Due Periods but received by the related Determination Date) in respect of the Mortgage Loans in that Loan Group, (b) Net Liquidation Proceeds, Insurance Proceeds, Principal Prepayments (excluding Prepayment Penalty Amounts), Recoveries and other unscheduled recoveries of principal and interest in respect of the Mortgage Loans in that Loan Group received during the related Prepayment Period, (c) the aggregate of any amounts received in respect of REO Properties for such Distribution Date in respect of the Mortgage Loans in that Loan Group, (d) the aggregate of any amounts of Interest Shortfalls (excluding for such purpose all shortfalls as a result of Relief Act Reductions) paid by the Servicer pursuant to the Servicing Agreement and Compensating Interest Payments deposited in the Distribution Account for that Distribution Date in respect of the Mortgage Loans in that Loan Group, (e) the aggregate of the Purchase Prices and Substitution Adjustments deposited in the Distribution Account during the related Prepayment Period in respect of the Mortgage Loans in that Loan Group, (f) the aggregate of any advances in respect of delinquent Monthly Payments made by the Servicer for that Distribution Date in respect of the Mortgage Loans in that Loan Group, (g) the aggregate of any Advances made by the Trustee for that Distribution Date pursuant to Section 7.02 hereof in respect of the Mortgage Loans in that Loan Group and (h) the Termination Price allocated to such Loan Group on the Distribution Date on which the Trust is terminated; minus (ii) the sum of (v) the premium payable on such Distribution Date to the Certificate Insurer in respect of the Class 2-A-1C Certificates, (w) the Expense Fees for that Distribution Date in respect of the Mortgage Loans in that Loan Group, (x) amounts in reimbursement for Advances previously made in respect of the Mortgage Loans in that Loan Group and other amounts as to which the Servicer, the Trustee and the Custodian are entitled to be reimbursed pursuant to Section 4.03, (y) the amount payable to the Trustee, pursuant to Section 8.05 in respect of the Mortgage Loans in that Loan Group or if not related to a Mortgage Loan, allocated to each Loan Group on a pro rata basis and (z) amounts deposited in the Distribution Account in error in respect of the Mortgage Loans in that Loan Group.

“BONY Custodial Agreement”: The Custodial Agreement, dated as of March 1, 2005, between the Trustee and the Bank of New York, as custodian.

“Bankruptcy Code”: The Bankruptcy Reform Act of 1978 (Title 11 of the United States Code), as amended.

“Basis Risk Reserve Fund”: A fund created as part of the Trust Fund pursuant to Section 5.07 of this Agreement but which is not an asset of any of the REMICs.

“Basis Risk Shortfall”: With respect to any Distribution Date and the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2 and Subordinate Certificates, the “Basis Risk Shortfall” for such class, if any, will equal the sum of:

(i)

the excess, if any, of the Interest Distributable Amount that such Class would have been entitled to receive if the Pass-Through Rate for such Class were calculated without regard to clause (ii) in the definition thereof, over the actual Interest Distributable Amount such Class is entitled to receive for such Distribution Date;

(ii)

any excess described in clause (i) above remaining unpaid from prior Distribution Dates; and

(iii)

interest for the applicable Accrual Period on the amount described in clause (ii) above based on the applicable Pass-Through Rate, determined without regard to clause (ii) in the definition thereof.

“Book-Entry Certificates”: Any of the Certificates that shall be registered in the name of the Depository or its nominee, the ownership of which is reflected on the books of the Depository or on the books of a Person maintaining an account with the Depository (directly, as a “Depository Participant”, or indirectly, as an indirect participant in accordance with the rules of the Depository and as described in Section 6.02 hereof). On the Closing Date, all Classes of the Certificates other than the Physical Certificates shall be Book-Entry Certificates.

“Business Day”: Any day other than a Saturday, a Sunday or a day on which banking or savings institutions in the State of California, the State of Minnesota, the State of Texas, the State of New York, the State of Massachusetts or in the city in which the Corporate Trust Office of the Trustee is located are authorized or obligated by law or executive order to be closed.

“Call Option”: The right to terminate this Agreement and the Trust pursuant to the second paragraph of Section 10.01(a) hereof.

“Call Option Date”: As defined in Section 10.01(a) hereof.

“Certificate”: Any Regular Certificate, Residual Certificate or Class Y Certificate.

“Certificate Insurance Policy”: The Certificate Guaranty Insurance Policy (No. AB0877BE) with respect to the Class 2-A-1C Certificates, and all endorsements thereto dated the Closing Date, issued by the Certificate Insurer for the benefit of the Holders of the Class 2-A-1C Certificates, a copy of which is attached hereto as Exhibit O.

“Certificate Insurer”: Ambac Assurance Corporation, a Wisconsin domiciled stock insurance corporation.

“Certificate Insurer Default”: The existence and continuance of any of the following: (a) a failure by the Certificate Insurer to make a payment required under the Certificate Insurance Policy in accordance with its terms; (b) the entry of a decree or order of a court or agency having jurisdiction in respect of the Certificate Insurer in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law appointing a conservator or receiver or liquidator or other similar official of the Certificate Insurer or of any substantial part of its property, or the entering of an order for the winding up or liquidation of the affairs of the Certificate Insurer and the continuance of any such decree or order undischarged or unstayed and in force for a period of 90 consecutive days; (c) the Certificate Insurer shall consent to the appointment of a conservator or receiver or liquidator or other similar official in any insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceedings of or relating to the Certificate Insurer or of or relating to all or substantially all of its property; or (d) the Certificate Insurer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of or otherwise voluntarily commence a case or proceeding under any applicable bankruptcy, insolvency, reorganization or other similar statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations.

“Certificate Insurer Reimbursement Amount”: For any Distribution Date, the sum of (a) all amounts previously paid by the Certificate Insurer in respect of Insured Amounts for which the Certificate Insurer has not been reimbursed prior to such Distribution Date and (b) interest accrued on the foregoing at the Late Payment Rate from the date the Trustee received such amounts paid by the Certificate Insurer to such Distribution Date.

“Certificate Notional Balance”: With respect to each Certificate of Class X and any date of determination, the product of (i) the Class Certificate Notional Balance of such Class and (ii) the applicable Percentage Interest of such Certificate.

“Certificate Owner”: With respect to each Book-Entry Certificate, any beneficial owner thereof and with respect to each Physical Certificate, the Certificateholder thereof.

“Certificate Principal Balance”: With respect to each Certificate of a given Class (other than Class X) and any date of determination, the product of (i) the Class Certificate Principal Balance of such Class and (ii) the applicable Percentage Interest of such Certificate.

“Certificate Register” and “Certificate Registrar”: The register maintained and registrar appointed pursuant to Section 6.02 hereof. U.S. Bank National Association will act as Certificate Registrar, for so long as it is the Trustee under this Agreement.

“Certificateholder” or “Holder”: The Person in whose name a Certificate is registered in the Certificate Register, except that a Disqualified Organization or non-U.S. Person shall not be a Holder of a Residual Certificate for any purpose hereof.

“Class”: Collectively, Certificates that have the same priority of payment and bear the same class designation and the form of which is identical except for variation in the Percentage Interest evidenced thereby.

“Class 1-A Certificate”: Any of the Class 1-A Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-1, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class 2-A-1A Certificate”: Any of the Class 2-A-1A Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-1, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class 2-A-1B Certificate”: Any of the Class 2-A-1B Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-1, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class 2-A-1C Certificate”: Any of the Class 2-A-1C Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-1, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class 2-A-1C Insurer Premium Rate”: 0.09% per annum.

“Class 2-A-1C Policy Account”: The trust account or accounts created and maintained by the Trustee pursuant to Section 4.05 hereof in the name of the Trustee for the benefit of the Class 2-A-1C Certificateholders and designated “Class 2-A-1C Policy Account, U.S. Bank National Association, as Trustee, in trust for the registered Certificateholders of HarborView Mortgage Loan Trust 2005-2, Mortgage Loan Pass-Through Certificates, Series 2005-2, Class 2-A-1C Certificates.”

“Class 2-A-2 Certificate”: Any of the Class 2-A-2 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-1, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class A-R Certificate”: The Class A-R Certificate as designated on the face thereof executed by the Trustee, and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit B, evidencing the ownership of the sole class of “residual interest” in each REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class B-1 Certificate”: Any of the Class B-1 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit C, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class B-2 Certificate”: Any of the Class B-2 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit C, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class B-3 Certificate”: Any of the Class B-3 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit C, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class B-4 Certificate”: Any of the Class B-4 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit C, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class B-5 Certificate”: Any of the Class B-5 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit C, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class B-6 Certificate”: Any of the Class B-6 Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit C, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class Certificate Notional Balance”: With respect to the Class X Certificates and any Distribution Date, the aggregate Principal Balance of the Mortgage Loans.

“Class Certificate Principal Balance”: As to any Distribution Date, with respect to any Class of Certificates (other than the Class X, Class PO and Class Y Certificates), the Original Class Certificate Principal Balance as reduced by the sum of (x) all amounts actually distributed in respect of principal of that Class on all prior Distribution Dates, (y) all Realized Losses, if any, actually allocated to that Class on all prior Distribution Dates and (z) in the case of the Subordinate Certificates, any applicable Writedown Amount; provided, however, that (i) pursuant to Section 5.02, the Class Certificate Principal Balance of a Class of Certificates shall be increased up to the amount of Net Deferred Interest allocated to such Class of Certificates on such Distribution Date and (ii) pursuant to Section 5.08, the Class Certificate Principal Balance of a Class of Certificates may be increased up to the amount of Realized Losses previously allocated to such Class, in the event that there is a Recovery on a related Mortgage Loan, and the Certificate Principal Balance of any individual Certificate of such Class will be increased by its pro rata share of the increase to such Class. With respect to the Class PO Certificates, the sum of the Component Principal Balances of the Principal-Only Components as (a) reduced by the sum of (x) all amounts actually distributed in respect of principal of such Components on all prior Distribution Dates and (y) all Realized Losses, if any, actually allocated to such Components on all prior Distribution Dates; provided, however, that (i) pursuant to Section 5.02, the Component Principal Balance of a Component shall be increased up to the amount of Net Deferred Interest allocated to the Class X Certificates based on the related Mortgage Loans on such Distribution Date and (ii) pursuant to Section 5.08, the Component Principal Balance of a Component may be increased up to the amount of Realized Losses previously allocated to such Component, in the event that there is a Recovery on a related Mortgage Loan, and such Component will be increased by its pro rata share of the increase to such Component.

“Class LT-R Interest”: As described in the Preliminary Statement.

“Class PO Certificate”: Any of the Class PO Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-3, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class Subordination Percentage”: With respect to each Class of Subordinate Certificates and any Distribution Date, the percentage equivalent of a fraction the numerator of which is the Class Certificate Principal Balance of such Class immediately before such Distribution Date and the denominator of which is the aggregate of the Class Certificate Principal Balances of all Classes of Certificates and Component Principal Balances immediately before such Distribution Date.

“Class X Adjusted Cap Rate”: With respect to the Class X Certificates and any Distribution Date, shall equal the Pass-Through Rate for the Class X Certificates, computed for this purpose by (i) reducing the weighted average of the Net Mortgage Rates by a per annum rate equal to the quotient of (a) the Net Deferred Interest for such Distribution Date multiplied by 12, and (b) the Aggregate Principal Balance of the Mortgage Loans as of the first day of the month prior to such Distribution Date, and (ii) computing the weighted average of the Pass-Through Rates of the certificates (other than the Class X Certificates) by substituting “LIBOR Adjusted Cap Rate” for “Net WAC Cap” in the definition of Pass-Through Rate for each of the Class A-R, Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2 and Subordinate Certificates.

“Class X Apportionment Rule”: Either the Group 1 Class X Apportionment Rule or the Group 2 Class X Apportionment Rule, as applicable.

“Class X Certificate”: Any of the Class X Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit A-2, evidencing the ownership of a “regular interest” in the Upper Tier REMIC created hereunder and representing the right to distributions as set forth herein and therein.

“Class X Certificate Notional Balance”: As of any Distribution Date, the aggregate Principal Balance of the Mortgage Loans at the end of the related Due Period.

“Class Y Certificate”: Any of the Class Y Certificates as designated on the face thereof, executed by the Trustee and authenticated and delivered by the Certificate Registrar, substantially in the form annexed hereto as Exhibit D, evidencing no ownership of any interest in a REMIC created hereunder and representing the ownership of certain excess amounts paid under the Yield Maintenance Agreements.

“Close of Business”: As used herein, with respect to any Business Day and location, 5:00 p.m. at such location.

“Closing Date”: April 12, 2005.

“Code”: The Internal Revenue Code of 1986, as amended.

“Commission”: U.S. Securities and Exchange Commission.

“Commitment Letter”: The letter dated the Closing Date from the Certificate Insurer to the Seller (a copy of which has been furnished to the Trustee) setting forth the payment arrangements for the premium on the Certificate Insurance Policy and certain related expense payment arrangements

“Compensating Interest Payment”: With respect to any Distribution Date, the amount specified to be paid by the Servicer pursuant to Section 11.04(ix) of the Servicing Addendum to the Servicing Agreement.

“Component”: Either of the PO-1 Component or the PO-2 Component, as applicable.

“Component Principal Balance”: As of any date of determination, either the PO-1 Component Principal Balance on such date or the PO-2 Component Principal Balance on such date as applicable.

“Cooperative Corporation”: The entity that holds title (fee or an acceptable leasehold estate) to the real property and improvements constituting the Cooperative Property and which governs the Cooperative Property, which Cooperative Corporation must qualify as a Cooperative Housing Corporation under Section 216 of the Code.

“Cooperative Loan”: Any Mortgage Loan secured by Cooperative Shares and a Proprietary Lease.

“Cooperative Loan Documents”: As to any Cooperative Loan, (i) the Cooperative Shares, together with a stock power in blank; (ii) the original or a copy of the executed Security Agreement; (iii) the original or a copy of the executed Proprietary Lease and the original assignment of the Proprietary Lease endorsed in blank; (iv) the original executed Recognition Agreement and, if available, the original assignment of the Recognition Agreement (or a blanket assignment of all Recognition Agreements) endorsed in blank; (v) the executed UCC-1 financing statement with evidence of recording thereon, which has been filed in all places required to perfect the security interest in the Cooperative Shares and the Proprietary Lease; and (vi) executed UCC amendments (or copies thereof) or other appropriate UCC financing statements required by state law, evidencing a complete and unbroken line from the mortgagee to the Trustee with evidence of recording thereon (or in a form suitable for recordation).

“Cooperative Property”: The real property and improvements owned by the Cooperative Corporation, that includes the allocation of individual dwelling units to the holders of the Cooperative Shares of the Cooperative Corporation.

“Cooperative Shares”: Shares issued by a Cooperative Corporation.

“Cooperative Unit”: A single family dwelling located in a Cooperative Property.

“Corporate Trust Office”: With respect to the Trustee, the principal corporate trust office at which at any particular time its corporate trust business in connection with this Agreement shall be administered, which office at the date of the execution of this instrument is located at Onx Xxxxxxx Xxxxxx, Xxxxxx, Xxxxxxxxxxxxx 00000, Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2, or at such other address as the Trustee may designate from time to time by notice to the Certificateholders, the Depositor, and the Seller. With respect to the Certificate Registrar and presentment of Certificates for registration of transfer, exchange or final payment, the office of its agent, located at DTC Transfer Services, 55 Xxxxx Xxxxxx, Xxxxxxxx Xxxx Xnxxxxxx, Xxx Xxxx, Xxx Xxxx 00000.

“Corresponding Class”: With respect to each class of Lower-Tier Interests, the Class or Classes of Certificates so designated in the Preliminary Statement.

“Countrywide”: Countrywide Home Loans, Inc., and its successors and assigns, in its capacity as Originator of the Mortgage Loans.

“Countrywide Purchase Agreement”: The Master Mortgage Loan Purchase and Servicing Agreement, dated as of April 1, 2003, as amended by that certain amendment dated November 1, 2004, between GCFP, as purchaser, and Countrywide, as seller, as reconstituted by the Reconstitution Agreement, as the same may be amended from time to time, and any assignments and conveyances related to the Mortgage Loans.

“Custodian”: The Bank of New York, and its successors acting as custodian of the Mortgage Files, as indicated on the Mortgage Loan Schedule.

“Cut-Off Date”: With respect to any Mortgage Loan other than a Qualified Substitute Mortgage Loan, the Close of Business in New York City on March 1, 2005. With respect to any Qualified Substitute Mortgage Loan, the date designated as such on the Mortgage Loan Schedule (as amended).

“Cut-Off Date Aggregate Principal Balance”: The aggregate of the Cut-Off Date Principal Balances of the Mortgage Loans in each Loan Group.

“Cut-Off Date Principal Balance”: With respect to any Mortgage Loan, the principal balance thereof remaining to be paid, after application of all scheduled principal payments due on or before the Cut-Off Date whether or not received as of the Cut-Off Date (or as of the applicable date of substitution with respect to a Qualified Substitute Mortgage Loan).

“Deferred Interest”: With respect to each Mortgage Loan and each related Due Date, will be the excess, if any, of the amount of interest accrued on such Mortgage Loan from the preceding Due Date to such due date over the portion of the Monthly Payment allocated to interest for such Due Date.

“Deficiency Amount”: Means with respect to the Class 2-A-1C Certificates, (a) for any Distribution Date prior to the Final Distribution Date, the sum of (1) the excess, if any, of the Monthly Interest Distributable Amount on the Class 2-A-1C Certificates for such Distribution Date, net of any Net Interest Shortfalls, Basis Risk Shortfalls or Net Deferred Interest, over the amount of Available Funds to pay such net amount on the Class 2-A-1C Certificates on such Distribution Date, and (2) the amount, if any, of any Realized Losses allocable to the Class 2-A-1C Certificates on such Distribution Date (after giving effect to all distributions to be made thereon on such Distribution Date, other than pursuant to a claim on the Policy) and (b) for the Final Distribution Date, the sum of (x) the amount set forth in clause (a)(1) above and (y) the outstanding Certificate Principal Balance of the Class 2-A-1C Certificates, after giving effect to all payments of principal on the Class 2-A-1C Certificates on such Final Distribution Date, other than pursuant to a claim on the Certificate Insurance Policy on that Distribution Date.

“Definitive Certificates”: Any Certificate evidenced by a Physical Certificate and any Certificate issued in lieu of a Book-Entry Certificate pursuant to Section 6.02(c) or (d) hereof.

“Deleted Mortgage Loan”: A Mortgage Loan replaced or to be replaced by one or more Qualified Substitute Mortgage Loans.

“Delinquent”: Any Mortgage Loan with respect to which the Monthly Payment due on a Due Date is not made.

“Depositor”: Greenwich Capital Acceptance, Inc., a Delaware corporation, or any successor in interest.

“Depository”: The initial Depository shall be The Depository Trust Company, whose nominee is Cede & Co., or any other organization registered as a “clearing agency” pursuant to Section 17A of the Securities Exchange Act of 1934, as amended. The Depository shall initially be the registered Holder of the Book-Entry Certificates. The Depository shall at all times be a “clearing corporation” as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York.

“Depository Participant”: A broker, dealer, bank or other financial institution or other person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository.

“Determination Date”: For any Distribution Date and each Mortgage Loan, the date each month, as set forth in the Servicing Agreement, on which the Servicer determines the amount of all funds required to be remitted to the Trustee on the Servicer Remittance Date with respect to the Mortgage Loans.

“Directly Operate”: With respect to any REO Property, the furnishing or rendering of services to the tenants thereof, the management or operation of such REO Property, the holding of such REO Property primarily for sale to customers, the performance of any construction work thereon or any use of such REO Property in a trade or business conducted by any REMIC formed hereby other than through an Independent Contractor; provided, however, that the Trustee (or the Servicer on behalf of the Trustee) shall not be considered to Directly Operate an REO Property solely because the Trustee (or the Servicer on behalf of the Trustee) establishes rental terms, chooses tenants, enters into or renews leases, deals with taxes and insurance, or makes decisions as to repairs or capital expenditures with respect to such REO Property.

“Disqualified Organization”: A “disqualified organization” defined in Section 860E(e)(5) of the Code, or any other Person so designated by the Trustee based upon an Opinion of Counsel provided to the Trustee by nationally recognized counsel acceptable to the Trustee that the holding of an ownership interest in the Residual Certificate by such Person may cause the Trust Fund or any Person having an ownership interest in any Class of Certificates (other than such Person) to incur liability for any federal tax imposed under the Code that would not otherwise be imposed but for the transfer of an ownership interest in the Residual Certificate to such Person.

“Distribution Account”: The trust account or accounts created and maintained by the Trustee pursuant to Section 4.02 hereof for the benefit of the Certificateholders and designated “Distribution Account, U.S. Bank National Association, as Trustee, in trust for the registered Certificateholders of HarborView Mortgage Loan Trust 2005-2, Mortgage Loan Pass-Through Certificates, Series 2005-2” and which must be an Eligible Account.

“Distribution Account Income”: As to any Distribution Date, any interest or other investment income earned on funds deposited in the Distribution Account during the month of such Distribution Date.

“Distribution Date”: The 19th day of the month, or, if such day is not a Business Day, the next Business Day commencing in April 2005.

“Distribution Date Statement”: As defined in Section 5.04(a) hereof.

“Due Date”: With respect to each Mortgage Loan and any Distribution Date, the first day of the calendar month in which that Distribution Date occurs on which the Monthly Payment for such Mortgage Loan was due, exclusive of any days of grace.

“Due Period”: With respect to any Distribution Date, the period commencing on the second day of the month preceding the month in which that Distribution Date occurs and ending on the first day of the month in which that Distribution Date occurs.

“Eligible Account”: Any of

(i)

an account or accounts maintained with a federal or state chartered depository institution or trust company the short-term unsecured debt obligations of which (or, in the case of a depository institution or trust company that is the principal subsidiary of a holding company, the short-term unsecured debt obligations of such holding company) are rated in the highest short term rating category of the Rating Agency at the time any amounts are held on deposit therein;

(ii)

an account or accounts the deposits in which are fully insured by the FDIC (to the limits established by it), the uninsured deposits in which account are otherwise secured such that, as evidenced by an Opinion of Counsel delivered to the Trustee and to the Rating Agency, the Certificateholders will have a claim with respect to the funds in the account or a perfected first priority security interest against the collateral (which shall be limited to Permitted Investments) securing those funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained;

(iii)

a trust account or accounts maintained with the trust department of a federal or state chartered depository institution, national banking association or trust company acting in its fiduciary capacity; or

(iv)

an account otherwise acceptable to the Rating Agency without reduction or withdrawal of its then current ratings of the Certificates as evidenced by a letter from the Rating Agency to the Trustee. Eligible Accounts may bear interest.

“ERISA”: The Employee Retirement Income Security Act of 1974, as amended.

“ERISA-Restricted Certificates”: The Class B-4, Class B-5, Class B-6, Class A-R and Class Y Certificates and any Certificate that does not satisfy the applicable rating requirement under the Underwriter’s Exemption.

“ERISA-Qualifying Underwriting”: A best efforts or firm commitment underwriting or private placement that meets the requirements of an Underwriter’s Exemption.

“Event of Default”: As defined in the Servicing Agreement.

“Expense Fee” With respect to any Mortgage Loan, the sum of (i) the Servicing Fee, (ii) the Trustee Fee, (iii) with respect to any Lender-Paid Mortgage Insurance Loan, the Lender-Paid Mortgage Insurance Fee and (iv) any fees owed to the Bank of New York under the BONY Custodial Agreement.

“Xxxxxx Xxx”: The Federal National Mortgage Association or any successor thereto.

“FDIC”: The Federal Deposit Insurance Corporation or any successor thereto.

“Final Distribution Date”: The Distribution Date occurring in May 2035.

“Final Recovery Determination”: With respect to any defaulted Mortgage Loan or any REO Property (other than a Mortgage Loan or REO Property purchased by the Seller pursuant to or as contemplated by Sections 2.03 and 10.01), a determination made by the Servicer, and reported to the Trustee, that all Insurance Proceeds, Liquidation Proceeds and other payments or recoveries which the Servicer expects to be finally recoverable in respect thereof have been so recovered.

“Xxxxxxx Mac”: The Federal Home Loan Mortgage Corporation or any successor thereto.

“GCFP”: Greenwich Capital Financial Products, Inc., and its successors and assigns.

“Gross Margin”: With respect to each Mortgage Loan, the fixed percentage set forth in the related Mortgage Note that is added to the applicable Index on each Adjustment Date in accordance with the terms of the related Mortgage Note used to determine the Loan Rate for such Mortgage Loan.

“Group 1 Class X Apportionment Rule”: For purposes of calculating the interest distributable to the Class X Certificate from Loan Group 1 for any Accrual Period, an amount equal to the product of (a) the Monthly Interest Distributable Amount for the Class X Certificates for such Distribution Date and (b) a fraction, the numerator of which is the aggregate Stated Principal Balance of the Group 1 Mortgage Loans and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans, in each case, as of the first day of the related Due Period.

“Group 1 Mortgage Loan”: A Mortgage Loan that is identified as such on the Mortgage Loan Schedule.

“Group 2 Class X Apportionment Rule”: For purposes of calculating the interest distributable to the Class X Certificate from Loan Group 2 for any Accrual Period, an amount equal to the product of (a) the Monthly Interest Distributable Amount for the Class X Certificates for such Distribution Date and (b) a fraction, the numerator of which is the aggregate Stated Principal Balance of the Group 2 Mortgage Loans and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans, in each case, as of the first day of the related Due Period.

“Group 2 Mortgage Loan”: A Mortgage Loan that is identified as such on the Mortgage Loan Schedule.

“Indemnification Agreement”: The Indemnification Agreement dated as of the Closing Date among the Depositor, the Seller, Greenwich Capital Markets, Inc. and the Certificate Insurer, including any amendments and supplements thereto.

“Indemnified Persons”: The Trustee, the Depositor and the Custodian and their officers, directors, agents and employees and, with respect to the Trustee, any separate co-trustee and its officers, directors, agents and employees.

“Independent”: When used with respect to any specified Person, any such Person who (a) is in fact independent of the Depositor and its Affiliates, (b) does not have any direct financial interest in or any material indirect financial interest in the Depositor or any Affiliate thereof, and (c) is not connected with the Depositor or any Affiliate thereof as an officer, employee, promoter, underwriter, trustee, partner, director or Person performing similar functions; provided, however, that a Person shall not fail to be Independent of the Depositor or any Affiliate thereof merely because such Person is the beneficial owner of 1% or less of any class of securities issued by the Depositor or any Affiliate thereof.

“Independent Contractor”: Either (i) any Person that would be an “independent contractor” with respect to any REMIC formed hereby within the meaning of Section 856(d)(3) of the Code if such REMIC were a real estate investment trust (except that the ownership tests set forth in that section shall be considered to be met by any Person that owns, directly or indirectly, 35% or more of any Class of Certificates), so long as no REMIC formed hereby receives or derives any income from such Person and provided that the relationship between such Person and the applicable REMIC is at arm’s length, all within the meaning of Treasury Regulation Section 1.856-4(b)(5), or (ii) any other Person if the Trustee has received an Opinion of Counsel to the effect that the taking of any action in respect of any REO Property by such Person, subject to any conditions therein specified, that is otherwise herein contemplated to be taken by an Independent Contractor will not cause such REO Property to cease to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code (determined without regard to the exception applicable for purposes of Section 860D(a) of the Code), or cause any income realized in respect of such REO Property to fail to qualify as Rents from Real Property.

“Index”: With respect to each Mortgage Loan and each Adjustment Date, the index specified in the related Mortgage Note.

“Initial Certificate Principal Balance”: With respect to any Certificate other than the Class X and Class Y Certificates, the amount designated “Initial Certificate Principal Balance” on the face thereof.

“Initial Certificate Notional Balance”: With respect to the Class X Certificates, the amount designated “Initial Certificate Notional Balance” on the face thereof.

“Insurance Proceeds”: With respect to any Mortgage Loan, proceeds of any title policy, hazard policy or other insurance policy covering a Mortgage Loan, to the extent such proceeds are not to be applied to the restoration of the related Mortgaged Property or released to the related Mortgagor in accordance with the Servicing Agreement.

“Insured Amount”: As defined in the Certificate Insurance Policy.

“Insured Certificates”: The Class 2-A-1C Certificates.

“Interest Distributable Amount”: With respect to any Distribution Date and each Class of Certificates (other than the Class PO Certificates), the sum of (i) the Monthly Interest Distributable Amount for that Class and (ii) the Unpaid Interest Shortfall Amount for that Class.

“Interest Shortfall”: With respect to any Distribution Date and each Mortgage Loan that during the related Prepayment Period was the subject of a Principal Prepayment or a reduction of its Monthly Payment under the Relief Act, an amount determined as follows:

(a)

Principal Prepayments in part received during the relevant Prepayment Period: the difference between (i) one month’s interest at the applicable Net Loan Rate on the amount of such prepayment and (ii) the amount of interest for the calendar month of such prepayment (adjusted to the applicable Net Loan Rate) actually received with respect to such prepayment at the time of such prepayment; and

(b)

Principal Prepayments in full received during the relevant Prepayment Period: the difference between (i) one month’s interest at the applicable Net Loan Rate on the Stated Principal Balance of such Mortgage Loan immediately prior to such prepayment and (ii) the amount of interest for the calendar month of such prepayment (adjusted to the applicable Net Loan Rate) actually received with respect to such prepayment at the time of such prepayment; and

(c)

the amount of any Relief Act Reductions for such Distribution Date.

“Late Payment Rate”: The meaning given to such term in the Certificate Insurance Policy.

“Latest Possible Maturity Date”: As determined as of the Cut-Off Date, the Distribution Date following the third anniversary of the scheduled maturity date of the Mortgage Loan having the latest scheduled maturity date as of the Cut-Off Date.

“Lender-Paid Mortgage Insurance Loan”: Each Mortgage Loan identified as such in the Mortgage Loan Schedule.

“Lender-Paid Mortgage Insurance Fee”: As to any Distribution Date and each Lender Paid Mortgage Insurance Mortgage Loan, an amount equal to the product of the Lender-Paid Mortgage Insurance Fee Rate and the outstanding Principal Balance of such Mortgage Loan as of the first day of the related Due Period.

“Lender-Paid Mortgage Insurance Fee Rate”: For each Lender-Paid Mortgage Insurance Loan and any Distribution Date, the per annum rate required to be paid in connection with the related lender-paid mortgage insurance policy for such Mortgage Loan on such Distribution Date.

“LIBOR”: With respect to each Accrual Period, a per annum rate determined on the LIBOR Determination Date in the following manner by the Trustee on the basis of the “Interest Settlement Rate” set by the BBA for one-month United States dollar deposits, as such rates appear on the Telerate Page 3750, as of 11:00 a.m. (London time) on the related LIBOR Determination Date.

(a)

If on such a LIBOR Determination Date, the BBA’s Interest Settlement Rate does not appear on the Telerate Page 3750 as of 11:00 a.m. (London time), or if the Telerate Page 3750 is not available on such date, the Trustee will obtain such rate from Reuters’ “page LIBOR 01” or Bloomberg’s page “BBAM.” If such rate is not published for such LIBOR Determination Date, LIBOR for such date will be the most recently published Interest Settlement Rate. In the event that the BBA no longer sets an Interest Settlement Rate, the rate for such date will be determined on the basis of the rates at which one-month U.S. dollar deposits are offered by the Reference Banks at approximately 11:00 am (London time) on such date to prime banks in the London interbank market. In such event, the Trustee will request the principal London office of each of the Reference Banks to provide a quotation of its rate. If at least two such quotations are provided, the rate for that date will be the arithmetic mean of the quotations (rounded upwards if necessary to the nearest whole multiple of 1/16%). If fewer than two quotations are provided as requested, the rate for that date will be the arithmetic mean of the rates quoted by major banks in New York City, selected by the Trustee (after consultation with the Depositor), at approximately 11:00 a.m. (New York City time) on such date for one-month U.S. dollar loan to leading European banks.

(b)

The establishment of LIBOR by the Trustee and the Trustee’s subsequent calculation of the Pass-Through Rate applicable to the LIBOR Certificates for the relevant Accrual Period, in the absence of manifest error, will be final and binding.

“LIBOR Adjusted Cap Rate”: For any Distribution Date and any Class of LIBOR Certificates, the applicable Net WAC Cap for that Distribution Date, computed for this purposes by first reducing the Net WAC by a per annum rate equal to (i) the quotient of (a) the product of the Net Deferred Interest, if any, on the Mortgage Loans for the Distribution Date multiplied by (b) 12, and (ii) the aggregate Stated Principal Balance of the Mortgage Loans as of the first day of the month before such Distribution Date (or in the case of the first Distribution Date, as of the Cut-Off Date).

“LIBOR Business Day”: Any day on which banks in London, England and The City of New York are open and conducting transactions in foreign currency and exchange.

“LIBOR Certificates”: The Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates.

“LIBOR Determination Date”: The second LIBOR Business Day immediately preceding the commencement of each Accrual Period for the LIBOR Certificates.

“Liquidated Mortgage Loan”: As to any Distribution Date, any Mortgage Loan in respect of which the related Servicer has determined, in accordance with the servicing procedures specified herein, as of the end of the related Prepayment Period, that all Liquidation Proceeds that it expects to recover with respect to the liquidation of such Mortgage Loan or disposition of the related REO Property have been recovered.

“Liquidation Event”: With respect to any Mortgage Loan, any of the following events: (i) such Mortgage Loan is paid in full; (ii) a Final Recovery Determination is made as to such Mortgage Loan; or (iii) such Mortgage Loan is removed from the Trust Fund by reason of its being purchased, sold or replaced pursuant to or as contemplated hereunder. With respect to any REO Property, either of the following events: (i) a Final Recovery Determination is made as to such REO Property; or (ii) such REO Property is removed from the Trust Fund by reason of its being sold or purchased pursuant to Section 10.01 hereof or the applicable provisions of the Servicing Agreement.

“Liquidation Expenses”: With respect to a Mortgage Loan in liquidation, unreimbursed expenses paid or incurred by or for the account of the Servicer such expenses including (a) property protection expenses, (b) property sales expenses, (c) foreclosure and sale costs, including court costs and reasonable attorneys’ fees, and (d) similar expenses reasonably paid or incurred in connection with liquidation.

“Liquidation Proceeds”: With respect to any Mortgage Loan, the amount (other than amounts received in respect of the rental of any REO Property prior to REO Disposition) received by the related Servicer as proceeds from the liquidation of such Mortgage Loan, as determined in accordance with the applicable provisions of the Servicing Agreement, other than Recoveries; provided that with respect to any Mortgage Loan or REO Property repurchased, substituted or sold pursuant to or as contemplated hereunder, or pursuant to the applicable provisions of the Servicing Agreement, “Liquidation Proceeds” shall also include amounts realized in connection with such repurchase, substitution or sale.

“Loan Group”: Any of Loan Group 1 or Loan Group 2, as the context requires.

“Loan Group Balance”: As to each Loan Group, the aggregate of the Stated Principal Balances of the Mortgage Loans in such Loan Group that were Outstanding Mortgage Loans at the time of determination.

“Loan Group 1”: At any time, the Group 1 Mortgage Loans in the aggregate and any REO Properties acquired in respect thereof.

“Loan Group 2”: At any time, the Group 2 Mortgage Loans in the aggregate and any REO Properties acquired in respect thereof.

“Loan Rate”: With respect to each Mortgage Loan, the annual rate at which interest accrues on such Mortgage Loan from time to time in accordance with the provisions of the related Mortgage Note.

“Loan-to-Value Ratio”: With respect to each Mortgage Loan and any date of determination, a fraction, expressed as a percentage, the numerator of which is the Principal Balance of the Mortgage Loan at such date of determination and the denominator of which is the Value of the related Mortgaged Property.

“Lost Note Affidavit”: With respect to any Mortgage Loan as to which the original Mortgage Note has been permanently lost or destroyed and has not been replaced, an affidavit from the Seller certifying that the original Mortgage Note has been lost, misplaced or destroyed (together with a copy of the related Mortgage Note and indemnifying the Trust against any loss, cost or liability resulting from the failure to deliver the original Mortgage Note) in the form of Exhibit H hereto.

“Lower-Tier Interest”: Any one of the interests in the Lower-Tier REMIC, as described in the Preliminary Statement.

“Lower-Tier REMIC”: As described in the Preliminary Statement.

“LTZ Target Balance”: For any Distribution Date, the excess, if any, of (i) the quotient of (a) the principal balance of the LTY Interest immediately preceding such Distribution Date divided by (b) the difference between (I) 100% minus (II) the quotient of (A) the Adjusted Net WAC for such Distribution Date divided by (B) the product of (1) two multiplied by (2) the Net WAC for such Distribution Date, over (ii) the principal balance of the LTY Interest immediately preceding such Distribution Date.

“LTY Target Balance”: For any Distribution Date, the excess, if any, of (i) the quotient of (a) the product of (I) the principal balance of the LTZ Interest immediately preceding such Distribution Date multiplied by (II) the Net WAC for such Distribution Date multiplied by (III) two, divided by (b) the Adjusted Net WAC for such Distribution Date, over (ii) the principal balance of the LTZ Interest immediately preceding such Distribution Date

“Majority Certificateholders”: The Holders of Certificates evidencing at least 51% of the Voting Rights.

“Margin”: On each Distribution Date on or prior to the Call Option Date, (i) with respect to the Class 1-A Certificates, 0.260% per annum, and on each Distribution Date after the Call Option Date, 0.520% per annum, (ii) with respect to the Class 2-A-1A Certificates, 0.220% per annum, and on each Distribution Date after the Call Option Date, 0.440% per annum, (iii) with respect to the Class 2-A-1B Certificates, 0.300% per annum, and on each Distribution Date after the Call Option Date, 0.600% per annum, (iv) with respect to the Class 2-A-1C Certificates, 0.220% per annum, and on each Distribution Date after the Call Option Date, 0.440% per annum, (v) with respect to the Class 2-A-2 Certificates, 0.300% per annum, and on each Distribution Date after the Call Option Date, 0.600% per annum, (vi) with respect to the Class B-1 Certificates, 0.470% per annum, and on each Distribution Date after the Call Option Date, 0.705% per annum, (vii) with respect to the Class B-2 Certificates, 0.700% per annum, and on each Distribution Date after the Call Option Date, 1.050% per annum, (viii) with respect to the Class B-3 Certificates, 1.600% per annum, and on each Distribution Date after the Call Option Date, 2.400% per annum and (ix) with respect to the Class B-4, Class B-5 and Class B-6 Certificates, 1.750% per annum, and on each Distribution Date after the Call Option Date, 2.625% per annum.

“Maximum Loan Rate”: With respect to each Mortgage Loan, the percentage set forth in the related Mortgage Note as the maximum Loan Rate thereunder.

“MERS”: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto.

“MERS Mortgage Loan”: Any Mortgage Loan registered with MERS on the MERS System.

“MERS® System”: The system of recording transfers of mortgages electronically maintained by MERS.

“MIN”: The Mortgage Identification Number for any MERS Mortgage Loan.

“MOM Loan”: Any Mortgage Loan as to which MERS is acting as mortgagee, solely as nominee for the originator of such Mortgage Loan and its successors and assigns.

“Monthly Interest Distributable Amount”: With respect to each Class of Certificates (other than the Class PO Certificates) and any Distribution Date, the amount of interest accrued during the related Accrual Period at the lesser of the related Adjusted Cap Rate and the related Pass-Through Rate on the Class Certificate Principal Balance or Class Certificate Notional Balance, as applicable, immediately prior to that Distribution Date; provided, however, that for purposes of compliance with the REMIC Provisions, (A) the Monthly Interest Distributable Amount for each Class of Subordinate Certificates shall be calculated by reducing the related Pass-Through Rate by a per annum rate equal to (i) 12 times the Subordinate Class Expense Share for such Class divided by (ii) the Class Certificate Principal Balance of such Class as of the beginning of the related Accrual Period and (B) such Class shall be deemed to bear interest at such Pass-Through Rate as so reduced for federal income tax purposes; provided, further, such Monthly Interest Distributable Amount shall be reduced if the Pass-Through Rate applicable to such Class for the related Accrual Period exceeds the Adjusted Cap Rate applicable to such Class for such Distribution Date, subject to the allocation priority set forth in Section 5.02 herein.

“Monthly Payment”: With respect to any Mortgage Loan, the scheduled monthly payment of principal and interest on such Mortgage Loan that is payable by the related Mortgagor from time to time under the related Mortgage Note, determined, for the purposes of this Agreement: (a) after giving effect to any reduction in the amount of interest collectible from the related Mortgagor pursuant to the Relief Act; (b) without giving effect to any extension granted or agreed to by the related Servicer pursuant to the applicable provisions of the Servicing Agreement; and (c) on the assumption that all other amounts, if any, due under such Mortgage Loan are paid when due.

“Moody’s”: Xxxxx’x Investors Service, Inc. and its successors.

“Mortgage”: The mortgage, deed of trust or other instrument creating a first lien on, or first priority security interest in, a Mortgaged Property securing a Mortgage Note.

“Mortgage File”: The mortgage documents listed in Section 2.01 hereof pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement.

“Mortgage Loan”: Each mortgage loan (including Cooperative Loans) transferred and assigned to the Trustee pursuant to Section 2.01 or Section 2.03(d) hereof as from time to time held as a part of the Trust Fund, the Mortgage Loans so held being identified in the Mortgage Loan Schedule.

“Mortgage Loan Purchase Agreement”: The Mortgage Loan Purchase Agreement between the Seller and the Depositor, dated as of March 1, 2005, regarding the transfer of the Mortgage Loans by the Seller to or at the direction of the Depositor.

“Mortgage Loan Schedule”: As of any date, the list of Mortgage Loans included in the Trust Fund on such date, attached hereto as Schedule I. The Mortgage Loan Schedule shall be prepared by the Seller and shall set forth the following information with respect to each Mortgage Loan:

(i)

the Mortgage Loan identifying number;

(ii)

the Mortgagor’s name;

(iii)

the street address of the Mortgaged Property including the state and five-digit ZIP code;

(iv)

a code indicating whether the Mortgaged Property was represented by the borrower, at the time of origination, as being owner-occupied;

(v)

a code indicating whether the Residential Dwelling constituting the Mortgaged Property is (a) a detached single family dwelling, (b) a dwelling in a planned unit development, (c) a condominium unit, (d) a two- to four-unit residential property, (e) a townhouse or (f) other type of Residential Dwelling;

(vi)

if the related Mortgage Note permits the borrower to make Monthly Payments of interest only for a specified period of time, (a) the original number of such specified Monthly Payments and (b) the remaining number of such Monthly Payments as of the Cut-Off Date;

(vii)

the original months to maturity;

(viii)

the stated remaining months to maturity from the Cut-Off Date based on the original amortization schedule;

(ix)

the Loan-to-Value Ratio at origination;

(x)

the Loan Rate in effect immediately following the Cut-Off Date;

(xi)

the date on which the first Monthly Payment is or was due on the Mortgage Loan;

(xii)

the stated maturity date;

(xiii)

the Servicing Fee Rate, if any;

(xiv)

the last Due Date on which a Monthly Payment was actually applied to the unpaid Stated Principal Balance;

(xv)

the original principal balance of the Mortgage Loan;

(xvi)

the Stated Principal Balance of the Mortgage Loan on the Cut-Off Date and a code indicating the purpose of the Mortgage Loan (i.e., purchase financing, rate/term refinancing, cash-out refinancing);

(xvii)

the Index and Gross Margin specified in related Mortgage Note;

(xviii)

the next Adjustment Date, if applicable;

(xix)

the Maximum Loan Rate, if applicable;

(xx)

the Value of the Mortgaged Property;

(xxi)

the sale price of the Mortgaged Property, if applicable;

(xxii)

the product code;

(xxiii)

whether the Mortgage Loan is a Lender-Paid Mortgage Insurance Loan;

(xxiv)

the Servicer that is servicing each Mortgage Loan and the Originator of each Mortgage Loan;

(xxv)

the respective Loan Group; and

(xxvi)

the Custodian’s name, if there is more than one Custodian.

Information set forth in clauses (ii) and (iii) above regarding each Mortgagor and the related Mortgaged Property shall be confidential and the Trustee shall not disclose such information; provided that, notwithstanding anything herein to the contrary, the foregoing shall not be construed to prohibit (i) disclosure of any and all information that is or becomes publicly known, or information obtained by Trustee from sources other than the other parties hereto, (ii) disclosure of any and all information (A) if required to do so by any applicable, law, rule or regulation, (B) to any government agency or regulatory body having or claiming authority to regulate or oversee any respects of Trustee’s business or that of its affiliates, (C) pursuant to any subpoena, civil investigative demand or similar demand or request of any court, regulatory authority, arbitrator or arbitration to which Trustee or any affiliate or an officer, director, employer or shareholder thereof is a party or (D) to any affiliate, independent or internal auditor, agent, employee or attorney of Trustee having a need to know the same, provided that Trustee advises such recipient of the confidential nature of the information being disclosed, or (iii) any other disclosure authorized by the Depositor.

The Mortgage Loan Schedule, as in effect from time to time, shall also set forth the following information with respect to the Mortgage Loans in the aggregate and by Loan Group as of the Cut-Off Date: (1) the number of Mortgage Loans; (2) the current Principal Balance of the Mortgage Loans; (3) the weighted average Loan Rate of the Mortgage Loans; and (4) the weighted average remaining months to maturity of the Mortgage Loans. The Mortgage Loan Schedule shall be amended from time to time by the Seller in accordance with the provisions of this Agreement.

“Mortgage Note”: The original executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan.

“Mortgaged Property”: Either of (x) the fee simple or leasehold interest in real property, together with improvements thereto including any exterior improvements to be completed within 120 days of disbursement of the related Mortgage Loan proceeds, or (y) in the case of a Cooperative Loan, the related Cooperative Shares and Proprietary Lease, securing the indebtedness of the Mortgagor under the related Mortgage Loan.

“Mortgagor”: The obligor on a Mortgage Note.

“Net Deferred Interest”: With respect to each Loan Group and any Distribution Date, the greater of (i) the excess, if any, of the Deferred Interest for the related Due Date over the aggregate amount of any principal prepayments in part or in full received during the related Prepayment Period and (ii) zero.

“Net Interest Shortfall”: With respect to any Distribution Date, the excess of Interest Shortfalls, if any, for such Distribution Date over Interest Shortfalls paid by the Servicer under the Servicing Agreement with respect to such Distribution Date.

“Net Liquidation Proceeds”: With respect to any Liquidated Mortgage Loan or any other disposition of related Mortgaged Property (including REO Property) the related Liquidation Proceeds net of Advances, Servicing Advances, the Expense Fee, and any other accrued and unpaid fees received and retained in connection with the liquidation of such Mortgage Loan or Mortgaged Property.

“Net Loan Rate”: With respect to any Mortgage Loan (or the related REO Property), as of any date of determination, a per annum rate of interest equal to the then applicable Loan Rate for such Mortgage Loan minus the related Servicing Fee Rate, Trustee Fee Rate, and, if applicable, the Lender Paid Mortgage Insurance Rate.

“Net Maximum Loan Rate”: With respect to any Mortgage Loan (or the related REO Property), as of any date of determination, a per annum rate of interest equal to the then applicable Maximum Loan Rate for such Mortgage Loan minus the related Servicing Fee Rate.

“Net Maximum Rate Cap”: For any Distribution Date and the Class 1-A and Subordinate Certificates, the product of (i) the weighted average of the Net Maximum Loan Rates of the Mortgage Loans as of the first day of the related Due Period (or, in the case of the first Distribution Date, as of the Cut-Off Date), weighted on the basis of their related Stated Principal Balances as of the first day of the related Due Period and (ii) a fraction, the numerator of which is 30 and the denominator of which is the actual number of days in the related Accrual Period for such Certificates.

“Net Realized Losses”: For any Class of Certificates and any Distribution Date, the excess of (i) the amount of Realized Losses previously allocated to that Class or PO Component over (ii) the amount of any increases to the Class Certificate Principal Balance of that Class or Component Principal Balance pursuant to Section 5.08 due to Recoveries.

“Net WAC”: With respect to any Distribution Date, the weighted average of the Net Loan Rates of the Mortgage Loans as of the first day of the related Due Period (or, in the case of the first Distribution Date, as of the Cut-Off Date), weighted on the basis of the related Stated Principal Balances at the beginning of the related Due Period.

“Net WAC Cap”: For any Distribution Date and any Class of LIBOR Certificates (other than the Class 2-A-1C Certificates) the product of (i) the Net WAC and (ii) a fraction, the numerator of which is 30 and the denominator of which is the actual number of days in the related Accrual Period for such Certificates.

For any Distribution Date and the Class 2-A-1C Certificates, the excess of (x) the product of (i) the Net WAC and (ii) a fraction, the numerator of which is 30 and the denominator of which is the actual number of days in the related Accrual Period for such Certificates over (y) the Class 2-A-1C Insurer Premium Rate for that Distribution Date.

“Nonrecoverable”: A determination by the Servicer in respect of a delinquent Mortgage Loan that if it were to make an Advance or an advance of a delinquent Monthly Payment, respectively, in respect thereof, such amount would not be recoverable from any collections or other recoveries (including Liquidation Proceeds) on such Mortgage Loan.

“Officers’ Certificate”: A certificate signed by the Chairman of the Board, the Vice Chairman of the Board, the President or a vice president (however denominated), or by the Treasurer, the Secretary, or one of the assistant treasurers or assistant secretaries of the Seller or the Depositor, as applicable.

“One-Month LIBOR”: The average of interbank offered rates for one month U.S. dollar deposits in the London market based on quotations of major banks.

“One-Month LIBOR Indexed”: Indicates a Mortgage Loan that has an adjustable Loan Rate calculated on the basis of the One-Month LIBOR index.

“One-Month MTA”: The twelve-month average yields on United States Treasury securities adjusted to a constant maturity of one year as published by the Federal Reserve Board in Statistical Release H.15(519).

“One-Month MTA Indexed”: Indicates a Mortgage Loan that has an adjustable Loan Rate calculated on the basis of the MTA index.

“Opinion of Counsel”: A written opinion of counsel, who may, without limitation, be a salaried counsel for the Depositor, the Seller, acceptable to the Trustee, except that any opinion of counsel relating to (a) the qualification of any REMIC created hereunder as a REMIC or (b) compliance with the REMIC Provisions must be an opinion of Independent counsel.

“Original Applicable Credit Support Percentage”: With respect to each Class of Subordinate Certificates, the corresponding percentage set forth below opposite its Class designation:

Class B-1	8.25%
Class B-2	5.85%
Class B-3	3.95%
Class B-4	2.50%
Class B-5	1.10%
Class B-6	0.45%

“Original Certificate Notional Balance”: With respect to the Class X Certificates, will equal $1,944,859,934.

“Original Class Certificate Notional Balance”: With respect to the Class X Certificates, the corresponding aggregate notional amount set forth opposite the Class designation of such Class in the Preliminary Statement.

“Original Class Certificate Principal Balance”: With respect to each Class of Certificates, other than the Class X and Class Y Certificates, the corresponding aggregate amount set forth opposite the Class designation of such Class in the Preliminary Statement.

“Original Subordinated Principal Balance”: The aggregate of the Original Class Certificate Principal Balances of the Classes of Subordinate Certificates.

“Originator”: Countrywide.

“OTS”: The Office of Thrift Supervision.

“Outstanding Mortgage Loan”: As of any Due Date, a Mortgage Loan with a Stated Principal Balance greater than zero, that was not the subject of a prepayment in full prior to such Due Date and that did not become a Liquidated Mortgage Loan prior to such Due Date.

“Ownership Interest”: As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee.

“Pass-Through Rate”: With respect to each Class of Certificates (other than the Class PO Certificates) and any Distribution Date, the rate set forth below:

(i)

The Pass-Through Rate for the Class 1-A Certificates shall be equal to the least of (a) LIBOR plus the applicable Margin, (b) the applicable Net WAC Cap for that Distribution Date and (c) the Net Maximum Rate Cap for that Distribution Date;

(ii)

The Pass-Through Rate for the Class A-R Certificates shall be equal to the Net WAC for that Distribution Date;

(iii)

The Pass-Through Rate for the Class 2-A-1A Certificates shall be equal to the least of (a) LIBOR plus the applicable Margin, (b) the applicable Net WAC Cap for that Distribution Date and (c) 10.50% per annum;

(iv)

The Pass-Through Rate for the Class 2-A-1B Certificates shall be equal to the least of (a) LIBOR plus the applicable Margin, (b) the applicable Net WAC Cap for that Distribution Date and (c) 10.50% per annum;

(v)

The Pass-Through Rate for the Class 2-A-1C Certificates shall be equal to the least of (a) LIBOR plus the applicable Margin, (b) the Class applicable Net WAC Cap for that Distribution Date and (c) 10.50% per annum;

(vi)

The Pass-Through Rate for the Class 2-A-2 Certificates shall be equal to the least of (a) LIBOR plus the applicable Margin, (b) the applicable Net WAC Cap for that Distribution Date and (c) 10.50% per annum;

(vii)

The Pass-Through Rate for the Class X Certificates shall be equal to the excess, if any, of (a) the Net WAC of the Mortgage Loans over (b) the weighted average rate of the Pass-Through Rates on the Certificates (including the Class PO Certificates and other than the Class X Certificates), weighted on the basis of the Class Principal Balances on the Certificates prior to giving effect to distributions on such Distribution Date; provided, however, that the margin on the Class 2-A-1C Certificates shall be increased for this purpose by the Class 2-A-1C Insurer Premium Rate; provided, further, that the Pass-Through Rate for any Class of Certificates the interest distributions on which are computed using an actual/360 day-count convention will be adjusted for this purpose by multiplying that Pass-Through Rate by the quotient of the actual number days in the applicable Accrual Period divided by 30; and

(viii)

The Pass-Through Rate for the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates shall be equal to the least of (a) LIBOR plus the applicable Margin, (b) the applicable Net WAC Cap for that Distribution Date and (c) the Net Maximum Rate Cap for that Distribution Date.

“Percentage Interest”: With respect to any Certificate other than a Class A-R or Class Y Certificate, a fraction, expressed as a percentage, the numerator of which is the Initial Certificate Principal Balance or Initial Certificate Notional Balance, as applicable, represented by such Certificate and the denominator of which is the Original Class Certificate Principal Balance or Original Class Certificate Notional Balance, as applicable, of the related Class. With respect to the Class A-R and Class Y Certificates, 100%.

“Permitted Investments”: Any one or more of the following obligations or securities acquired at a purchase price of not greater than par, regardless of whether issued or managed by the Depositor, the Trustee or any of their respective Affiliates or for which an Affiliate of the Trustee serves as an advisor:

(i)

direct obligations of, or obligations fully guaranteed as to timely payment of principal and interest by, the United States or any agency or instrumentality thereof, provided such obligations are backed by the full faith and credit of the United States;

(ii)

(A) demand and time deposits in, certificates of deposit of, bankers’ acceptances issued by or federal funds sold by any depository institution or trust company (including the Trustee, or its agents acting in their respective commercial capacities) incorporated under the laws of the United States of America or any state thereof and subject to supervision and examination by federal and/or state authorities, so long as, at the time of such investment or contractual commitment providing for such investment, such depository institution or trust company or its ultimate parent has a short-term uninsured debt rating in one of the two highest available rating categories of the Rating Agency and (B) any other demand or time deposit or deposit which is fully insured by the FDIC;

(iii)

repurchase obligations with respect to any security described in clause (i) above and entered into with a depository institution or trust company (acting as principal) rated A or higher by the Rating Agency;

(iv)

securities bearing interest or sold at a discount that are issued by any corporation incorporated under the laws of the United States of America, the District of Columbia or any State thereof and that are rated by the Rating Agency in its highest long-term unsecured rating categories at the time of such investment or contractual commitment providing for such investment;

(v)

commercial paper (including both non-interest-bearing discount obligations and interest-bearing obligations) that is rated by the Rating Agency in its highest short-term unsecured debt rating available at the time of such investment;

(vi)

units of money market funds (which may be 12b-1 funds, as contemplated by the Commission under the Investment Company Act of 1940) registered under the Investment Company Act of 1940 including funds managed or advised by the Trustee or an affiliate thereof having the highest applicable rating from the Rating Agency; and

(vii)

if previously confirmed in writing to the Trustee, any other demand, money market or time deposit, or any other obligation, security or investment, as may be acceptable to the Rating Agency in writing as a permitted investment of funds backing securities having ratings equivalent to its highest initial ratings of the Senior Certificates;

provided, however, that no instrument described hereunder shall evidence either the right to receive (a) only interest with respect to the obligations underlying such instrument or (b) both principal and interest payments derived from obligations underlying such instrument and the interest and principal payments with respect to such instrument provide a yield to maturity at par greater than 120% of the yield to maturity at par of the underlying obligations.

“Permitted Transferee”: Any Transferee of a Residual Certificate other than a Disqualified Organization or a non-U.S. Person.

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

“Physical Certificates”: The Class A-R and Class Y Certificates.

“PO Components”: The PO-1 Component and the PO-2 Component as applicable.

“PO-1 Component”: The Principal-Only Component of the Class PO Certificates that relates to the Group 1 Mortgage Loans.

“PO-1 Component Principal Balance”: As of the Closing Date, zero; thereafter, as increased by amounts of Net Deferred Interest allocated to the Class X Certificates in respect of the Group 1 Mortgage Loan as set forth in Section 5.02 herein.

“PO-2 Component”: The Principal-Only Component of the Class PO Certificates that relates to the Group 2 Mortgage Loans.

“PO-2 Component Principal Balance”: As of the Closing Date, zero; thereafter, as increased by amounts of Net Deferred Interest allocated to the Class X Certificates in respect of the Group 2 Mortgage Loan as set forth in Section 5.02 herein.

“Pool Balance”: As to any Distribution Date, the aggregate of the Stated Principal Balances, as of the Close of Business on the first day of the month preceding the month in which such Distribution Date occurs, of the Mortgage Loans that were Outstanding Mortgage Loans on that day.

“Premium Amount”: As to any Distribution Date, the product of one-twelfth of the Class 2-A-1C Insurer Premium Rate and the Class 2-A-1C Certificate Principal Balance on the immediately preceding Distribution Date, or, in the case of the first Distribution Date, the Closing Date, in each case after giving effect to distributions of principal made on such Distribution Date.

“Prepayment Penalty Amount”: With respect to any Mortgage Loan and each Distribution Date, all premiums or charges, if any, paid by Mortgagors under the related Mortgage Notes as a result of full or partial Principal Prepayments collected and retained by the Servicer during the immediately preceding Prepayment Period, under the terms of the Servicing Agreement.

“Prepayment Period”: With respect to any Distribution Date the calendar month preceding the month in which such Distribution Date occurs.

“Primary Insurance Policy”: Mortgage guaranty insurance, if any, on an individual Mortgage Loan, as evidenced by a policy or certificate.

“Principal Balance”: As to any Mortgage Loan, other than a Liquidated Mortgage Loan, and any day, the related Cut-Off Date Principal Balance, minus all collections credited against the Principal Balance of such Mortgage Loan after the Cut-Off Date, as increased by the amount of any Deferred Interest added to the outstanding Principal Balance of such Mortgage Loan pursuant to the terms of the related Mortgage Note. For purposes of this definition, a Liquidated Mortgage Loan shall be deemed to have a Principal Balance equal to the Principal Balance of the related Mortgage Loan as of the final recovery of related Liquidation Proceeds and a Principal Balance of zero thereafter. As to any REO Property and any day, the Principal Balance of the related Mortgage Loan immediately prior to such Mortgage Loan becoming REO Property.

“Principal Deficiency Amount”: For any Distribution Date and for any Undercollateralized Group, the excess, if any, of the aggregate Class Certificate Principal Balance and Component Principal Balance of such Undercollateralized Group immediately prior to such Distribution Date over the sum of the Principal Balances of the Mortgage Loans in the related Loan Group immediately prior to such Distribution Date.

“Principal Distribution Amount”: With respect to each Loan Group and any Distribution Date, the sum of (a) each scheduled payment of principal collected or advanced on the related Mortgage Loans by the Servicer in respect of the related Due Period, (b) that portion of the Purchase Price, representing principal of any repurchased Mortgage Loan in that Loan Group, deposited to the Distribution Account during the related Prepayment Period, (c) the principal portion of any related Substitution Adjustments with respect to that Loan Group deposited in the Distribution Account during the related Prepayment Period, (d) the principal portion of all Insurance Proceeds received during the related Prepayment Period with respect to Mortgage Loans in that Loan Group that are not yet Liquidated Mortgage Loans, (e) the principal portion of all Net Liquidation Proceeds received during the related Prepayment Period with respect to Liquidated Mortgage Loans in that Loan Group, (f) all Principal Prepayments in part or in full on Mortgage Loans in that Loan Group applied by the Servicer during the related Prepayment Period, (g) all Recoveries related to that Loan Group received during the calendar month preceding the month of that Distribution Date and (h) on the Distribution Date on which the Trust is to be terminated pursuant to Section 10.01 hereof, that portion of the Termination Price in respect of principal for that Loan Group.

“Principal-Only Component”: Any of the PO-1 Component and PO-2 Component, as applicable.

“Principal Prepayment”: Any payment of principal made by the Mortgagor on a Mortgage Loan that is received in advance of its scheduled Due Date and that is not accompanied by an amount of interest representing the full amount of scheduled interest due on any Due Date in any month or months subsequent to the month of prepayment.

“Private Certificates”: The Class B-4, Class B-5, Class B-6 and Class Y Certificates.

“Private Placement Memorandum”: The Private Placement Memorandum dated April 12, 2005 relating to the initial sale of the Class B-4, Class B-5 and Class B-6 Certificates.

“Pro Rata Share”: As to any Distribution Date and any Class of Subordinate Certificates, the portion of the Subordinate Principal Distribution Amount allocable to such Class, equal to the product of the (a) Subordinate Principal Distribution Amount on such date and (b) a fraction, the numerator of which is the related Class Certificate Principal Balance of that Class and the denominator of which is the aggregate of the Class Certificate Principal Balances of all the Classes of Subordinate Certificates.

“Proprietary Lease”: With respect to any Cooperative Unit, a lease or occupancy agreement between a Cooperative Corporation and a holder of related Cooperative Shares.

“Prospectus”: The Prospectus Supplement, together with the accompanying prospectus dated February 22, 2005, relating to the Senior Certificates and the Class B-1, Class B-2 and Class B-3 Certificates.

“Prospectus Supplement”: The Prospectus Supplement dated April 7, 2005 relating to the initial sale of the Senior Certificates and the Class B-1, Class B-2 and Class B-3 Certificates.

“Purchase Price”: With respect to any Mortgage Loan or REO Property to be purchased pursuant to or as contemplated by Section 2.03 or Section 10.01 hereof, and as confirmed by an Officers’ Certificate from the Seller to the Trustee, an amount equal to the sum of (i) 100% of the Principal Balance thereof as of the date of purchase (or such other price as provided in Section 10.01), plus (ii) in the case of (x) a Mortgage Loan, accrued interest on such Principal Balance at the applicable Loan Rate (or if the servicer is repurchasing such Mortgage Loan, the Loan Rate minus the Servicing Fee Rate) from the Due Date as to which interest was last covered by a payment by the Mortgagor through the end of the calendar month in which the purchase is to be effected, and (y) an REO Property, the sum of (1) accrued interest on such Principal Balance at the applicable Loan Rate (or if the servicer is repurchasing such Mortgage Loan, the Loan Rate minus the Servicing Fee Rate) from the Due Date as to which interest was last covered by a payment by the Mortgagor plus (2) REO Imputed Interest for such REO Property for each calendar month commencing with the calendar month in which such REO Property was acquired and ending with the calendar month in which such purchase is to be effected, net of the total of all net rental income, Insurance Proceeds and Liquidation Proceeds that as of the date of purchase had been distributed as or to cover REO Imputed Interest, plus (iii) any unreimbursed Servicing Advances and any unpaid Expense Fees allocable to such Mortgage Loan or REO Property, plus (iv) in the case of a Mortgage Loan required to be purchased pursuant to Section 2.03 hereof, expenses reasonably incurred or to be incurred by the Trustee in respect of the breach or defect giving rise to the purchase obligation and plus (v) any costs and damages incurred by the Trust in connection with any violation by such Mortgage Loan of any predatory- or abusive-lending laws.

“Qualified Insurer”: A mortgage guaranty insurance company duly qualified as such under the laws of the state of its principal place of business and each state having jurisdiction over such insurer in connection with the insurance policy issued by such insurer, duly authorized and licensed in such states to transact a mortgage guaranty insurance business in such states and to write the insurance provided by the insurance policy issued by it, approved as a Xxxxxx Xxx-approved mortgage insurer and having a claims paying ability rating of at least “AA” or equivalent rating by a nationally recognized statistical rating organization. Any replacement insurer with respect to a Mortgage Loan must have at least as high a claims paying ability rating as the insurer it replaces had on the Closing Date.

“Qualified Substitute Mortgage Loan”: A mortgage loan substituted for a Deleted Mortgage Loan pursuant to the terms of this Agreement which must, on the date of such substitution, (i) have an outstanding principal balance, after application of all scheduled payments of principal and interest due during or prior to the month of substitution, not in excess of, and not more than 5% less than, the Principal Balance of the Deleted Mortgage Loan as of the Due Date in the calendar month during which the substitution occurs, (ii) have a maximum loan rate not less than the Maximum Loan Rate of the Deleted Mortgage Loan, (iii) have a gross margin equal to or greater than the Gross Margin of the Deleted Mortgage Loan, (iv) have the same Index as the Deleted Mortgage Loan, (v) have its next adjustment date not more than two months after the next Adjustment Date of the Deleted Mortgage Loan, (vi) have a remaining term to maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan, (vii) be current as of the date of substitution, (viii) have a Loan-to-Value Ratio as of the date of substitution equal to or lower than the Loan-to-Value Ratio of the Deleted Mortgage Loan as of such date, (ix) have been underwritten or re-underwritten in accordance with the same or substantially similar underwriting criteria and guidelines as the Deleted Mortgage Loan, (x) is of the same or better credit quality as the Deleted Mortgage Loan and (xi) conform to each representation and warranty set forth in Section 2.04 hereof applicable to the Deleted Mortgage Loan. In the event that one or more mortgage loans are substituted for one or more Deleted Mortgage Loans, the amounts described in clause (i) hereof shall be determined on the basis of aggregate principal balances, the terms described in clause (vi) hereof shall be determined on the basis of weighted average remaining term to maturity and the Loan-to-Value Ratio described in clause (viii) hereof shall be satisfied as to each such mortgage loan and, except to the extent otherwise provided in this sentence, the representations and warranties described in clause (x) hereof must be satisfied as to each Qualified Substitute Mortgage Loan or in the aggregate, as the case may be.

“Rating Agency”: S&P and Xxxxx’x. If any rating agency or its successor shall no longer be in existence, “Rating Agency” shall include such nationally recognized statistical rating agency, or other comparable Person, as shall have been designated by the Depositor, notice of which designation shall be given to the Trustee.

“Realized Loss”: With respect to any Liquidated Mortgage Loan, the amount of loss realized equal to the portion of the Principal Balance remaining unpaid after application of all Net Liquidation Proceeds in respect of such Liquidated Mortgage Loan.

“Recognition Agreement”: With respect to any Cooperative Loan, an agreement between the related Cooperative Corporation and the originator of such Mortgage Loan to establish the rights of such originator in the related Cooperative Property.

“Reconstituted Servicing Agreement”: The reconstituted servicing agreement dated as of March 1, 2005 among the Seller, Countrywide and the Servicer and acknowledged by the Trustee.

“Record Date”: With respect to each Distribution Date (other than the initial Distribution Date) and the Class X and Class A-R Certificates, the last Business Day of the calendar month preceding the month in which such Distribution Date occurs. With respect to each Distribution Date (other than the initial Distribution Date) and the LIBOR Certificates and the Class Y Certificates, the last Business Day preceding that Distribution Date, unless any Class of LIBOR Certificates are no longer Book-Entry Certificates, in which case the Record Date for such Class of LIBOR Certificates shall be the last Business Day of the calendar month preceding the month in which that Distribution Date occurs. With respect to the initial Distribution Date and all Classes of Certificates, the Closing Date.

“Recovery”: With respect to any Distribution Date and Mortgage Loan that became a Liquidated Mortgage Loan in a month preceding the month prior to that Distribution Date and with respect to which the related Realized Loss was allocated to one or more Classes of Certificates or Principal-Only Components, an amount received in respect of such Liquidated Mortgage Loan during the prior calendar month, net of any reimbursable expenses.

“Reference Bank” shall be a leading bank engaged in transactions in Eurodollar deposits in the international Eurocurrency market, which shall not control, be controlled by, or be under common control with, the Trustee and shall have an established place of business in London. Until all of the LIBOR Certificates are paid in full, the Trustee will at all times retain at least four Reference Banks for the purpose of determining LIBOR with respect to each LIBOR Determination Date. The Trustee initially shall designate the Reference Banks (after consultation with the Depositor). If any such Reference Bank should be unwilling or unable to act as such or if the Trustee should terminate its appointment as Reference Bank, the Trustee shall promptly appoint or cause to be appointed another Reference Bank (after consultation with the Depositor). The Trustee shall have no liability or responsibility to any Person for (i) the selection of any Reference Bank for purposes of determining LIBOR or (ii) any inability to retain at least four Reference Banks which is caused by circumstances beyond its reasonable control.

“Refinancing Mortgage Loan”: Any Mortgage Loan originated in connection with the refinancing of an existing mortgage loan.

“Regular Certificate”: Any Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class X, Class PO, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 or Class B-6 Certificate.

“Regulation S”: Regulation S promulgated under the Securities Act or any successor provision thereto, in each case as the same may be amended from time to time; and all references to any rule, section or subsection of, or definition or term contained in, Regulation S means such rule, section, subsection, definition or term, as the case may be, or any successor thereto, in each case as the same may be amended from time to time.

“Regulation S Global Security”: The meaning specified in Section 6.01.

“Relief Act”: The Servicemembers Civil Relief Act, or any similar state law.

“Relief Act Reductions”: With respect to any Distribution Date and any Mortgage Loan as to which there has been a reduction in the amount of interest collectible thereon for the most recently ended Due Period as a result of the application of the Relief Act, the amount, if any, by which (i) interest collectible on that Mortgage Loan during such Due Period is less than (ii) one month’s interest on the Stated Principal Balance of such Mortgage Loan at the Loan Rate for such Mortgage Loan before giving effect to the application of the Relief Act.

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

“REMIC Opinion”: An Independent Opinion of Counsel, to the effect that the proposed action described therein would not, under the REMIC Provisions, (i) cause any REMIC created hereunder to fail to qualify as a REMIC while any regular interest in such REMIC is outstanding, (ii) result in a tax on prohibited transactions with respect to any REMIC created hereunder or (iii) constitute a taxable contribution to any REMIC created hereunder after the Startup Day.

“REMIC Provisions”: Provisions of the federal income tax law relating to real estate mortgage investment conduits which appear at Section 860A through 860G of the Code, and related provisions, and regulations and rulings promulgated thereunder, as the foregoing may be in effect from time to time.

“Remittance Report”: The Servicer’s Remittance Report to the Trustee pursuant to the Servicing Agreement providing information with respect to each Mortgage Loan which is provided no later than the 10^th calendar day of each month and which shall contain such information as may be agreed upon by the Trustee and which shall be sufficient to enable the Trustee to prepare the related Distribution Date Statement.

“Rents from Real Property”: With respect to any REO Property, gross income of the character described in Section 856(d) of the Code.

“REO Account”: The account or accounts maintained by the Servicer in respect of an REO Property pursuant to the Servicing Agreement.

“REO Disposition”: The sale or other disposition of an REO Property on behalf of the Trust.

“REO Imputed Interest”: As to any REO Property, for any calendar month during which such REO Property was at any time part of the Trust Fund, one month’s interest at the applicable Net Loan Rate on the Principal Balance of such REO Property (or, in the case of the first such calendar month, of the related Mortgage Loan if appropriate) as of the Close of Business on the Due Date in such calendar month.

“REO Principal Amortization”: With respect to any REO Property, for any calendar month, the excess, if any, of (a) the aggregate of all amounts received in respect of such REO Property during such calendar month, whether in the form of rental income, sale proceeds (including, without limitation, that portion of the Termination Price paid in connection with a purchase of all of the Mortgage Loans and REO Properties pursuant to Section 10.01 hereof that is allocable to such REO Property) or otherwise, net of any portion of such amounts (i) payable pursuant to the applicable provisions of the Servicing Agreement in respect of the proper operation, management and maintenance of such REO Property or (ii) payable or reimbursable to the Servicer pursuant to the applicable provisions of the Servicing Agreement for unpaid Servicing Fees in respect of the related Mortgage Loan and unreimbursed Servicing Advances and Advances in respect of such REO Property or the related Mortgage Loan, over (b) the REO Imputed Interest in respect of such REO Property for such calendar month.

“REO Property”: A Mortgaged Property acquired by the Servicer on behalf of the Trust Fund through foreclosure or deed-in-lieu of foreclosure in accordance with the applicable provisions of the Servicing Agreement.

“Request for Release”: A release signed by a Servicing Officer, in the form of Exhibit F attached hereto.

“Required Reserve Fund Deposit”: With respect to the Class X Certificate and any Distribution Date, an amount equal to the lesser of (i) the Interest Distributable Amount for the Class X Certificates for such Distribution Date (after giving effect to such Certificate’s share of any Net Deferred Interest and after any reduction in the Interest Distributable Amount due to Net Interest Shortfalls on such Distribution Date) and (ii) the amount required to bring the balance on deposit in the Basis Risk Reserve Fund up to an amount equal to the Basis Risk Shortfalls for such Distribution Date with respect to the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates (and with respect to the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, after giving effect to distributions of payments made pursuant to the related Yield Maintenance Agreement).

“Residential Dwelling”: Any one of the following: (i) a detached one-family dwelling, (ii) a detached two- to four-family dwelling, (iii) a one-family dwelling unit in a condominium project, (iv) a manufactured home, (v) a cooperative unit or (vi) a detached one-family dwelling in a planned unit development, none of which is a mobile home.

“Residual Certificate”: The Class A-R Certificate.

“Responsible Officer”: When used with respect to the Trustee or any director, the President, any vice president, any assistant vice president, any associate or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers and, with respect to a particular matter, to whom such matter is referred because of such officer’s knowledge of and familiarity with the particular subject.

“Restricted Classes”: As defined in Section 5.01(d).

“Restricted Global Security”: As defined in Section 6.01.

“Xxxxxxxx-Xxxxx Certification”: A written certification covering, among other things, servicing of the Mortgage Loans by the Servicer and signed by an officer of the Depositor that complies with (i) the Xxxxxxxx-Xxxxx Act of 2002, as amended from time to time, and (ii) the February 21, 2003 Statement by the Staff of the Division of Corporation Finance of the Securities and Exchange Commission Regarding Compliance by Asset-Backed Issuers with Exchange Act Rules 13a-14 and 15d-14, as in effect from time to time; provided that if, after the Closing Date (a) the Xxxxxxxx-Xxxxx Act of 2002 is amended, (b) the Statement referred to in clause (ii) is modified or superceded by any subsequent statement, rule or regulation of the Securities and Exchange Commission or any statement of a division thereof, or (c) any future releases, rules and regulations are published by the Securities and Exchange Commission from time to time pursuant to the Xxxxxxxx-Xxxxx Act of 2002, which in any such case affects the form or substance of the required certification and results in the required certification being, in the reasonable judgment of the Depositor, materially more onerous than the form of the required certification as of the Closing Date, the Xxxxxxxx-Xxxxx Certification shall be as agreed to by the Depositor and the Seller following a negotiation in good faith to determine how to comply with any such new requirements.

“S&P”: Standard & Poor’s Ratings Services, a division of The XxXxxx-Xxxx Companies, Inc., and any successor thereto.

“Security Agreement”: With respect to any Cooperative Loan, the agreement between the owner of the related Cooperative Shares and the originator of the related Mortgage Note that defines the terms of the security interest in such Cooperative Shares and the related Proprietary Lease.

“Seller”: GCFP, in its capacity as seller under this Agreement.

“Senior Certificate”: Any one of the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class X, Class PO or Class A-R Certificates.

“Senior Certificate Group”: Any of (a) the Class 1-A and Class A-R Certificates with respect to Loan Group 1 and (b) the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates with respect to Loan Group 2.

“Senior Certificateholder”: Any Holder of a Senior Certificate.

“Senior Credit Support Depletion Date”: The date on which the Class Certificate Principal Balance of each Class of Subordinate Certificates has been reduced to zero.

“Senior Percentage”: With respect to each Loan Group and any Distribution Date, the percentage equivalent of a fraction the numerator of which is the aggregate of the Class Certificate Principal Balances and Component Principal Balances of the Classes of Senior Certificates and Principal-Only Components relating to that Loan Group immediately prior to such Distribution Date and the denominator of which is the Loan Group Balance in the related Loan Group for such Distribution Date; provided, however, that on any Distribution Date after a Senior Termination Date has occurred with respect to the Senior Certificates and Principal-Only Component related to a Loan Group, the Senior Percentage for the related Loan Group will be equal to 0% and; provided, further, that on any Distribution Date after a Senior Termination Date has occurred with respect to the Senior Certificates and Principal-Only Component related to three Loan Groups, the Senior Percentage of the Loan Group related to the remaining Senior Certificates and Principal-Only Component is the percentage equivalent of a fraction, the numerator of which is the aggregate of the Certificate Principal Balances of each remaining Class of Senior Certificates and Principal-Only Component immediately prior to such date and the denominator of which is the aggregate of the Certificate Principal Balances of all Classes of Certificates, immediately prior to such date.

“Senior Prepayment Percentage”: With respect to each Loan Group and any Distribution Date before the Distribution Date in April 2015, 100%. Except as provided herein, the Senior Prepayment Percentage for each Loan Group for any Distribution Date occurring on or after the tenth anniversary of the first Distribution Date will be as follows: (i) from April 2015 through March 2016, the related Senior Percentage plus 70% of the related Subordinate Percentage for that Distribution Date; (ii) from April 2016 through March 2017, the related Senior Percentage plus 60% of the related Subordinate Percentage for that Distribution Date; (iii) from April 2017 through March 2018, the related Senior Percentage plus 40% of the related Subordinate Percentage for that Distribution Date; (iv) from April 2018 through March 2019, the related Senior Percentage plus 20% of the related Subordinate Percentage for that Distribution Date; and (v) from and after April 2019, the related Senior Percentage for that Distribution Date; provided, however, that there shall be no reduction in the Senior Prepayment Percentage for any Loan Group unless the Step Down Conditions are satisfied; and provided, further, that if on any Distribution Date occurring on or after the Distribution Date in April 2015, the Senior Percentage for any Loan Group exceeds the initial Senior Percentage for such Loan Group, the related Senior Prepayment Percentage for that Distribution Date will again equal 100%.

Notwithstanding the above, (i) if on any Distribution Date prior to April 2008 the Two Times Test is satisfied, the Senior Prepayment Percentage for each Loan Group will equal the related Senior Percentage for such Distribution Date plus 50% of an amount equal to 100% minus the related Senior Percentage for such Distribution Date and (ii) if on any Distribution Date in or after April 2008 the Two Times Test is satisfied, the Senior Prepayment Percentage for each Loan Group will equal the related Senior Percentage for such Distribution Date.

“Senior Principal Distribution Amount”: With respect to each Loan Group and any Distribution Date, the sum of:

(1)

the related Senior Percentage of all amounts described in clauses (a) through (d) of the definition of “Principal Distribution Amount” for that Distribution Date;

(2)

with respect to each Mortgage Loan in that Loan Group which became a Liquidated Mortgage Loan during the related Prepayment Period, the lesser of

(x)

the related Senior Percentage of the Stated Principal Balance of that Mortgage Loan; and

(y)

the related Senior Prepayment Percentage of the amount of the Net Liquidation Proceeds allocable to principal received with respect to that Mortgage Loan

(3)

the related Senior Prepayment Percentage of the amounts described in clauses (f) and (g) of the definition of “Principal Distribution Amount.”

“Senior Termination Date”: For each Senior Certificate Group and Principal-Only Component, the Distribution Date on which the aggregate of the Class Certificate Principal Balances and related Component Principal Balance of the related Senior Certificates and Principal-Only Component is reduced to zero.

“Servicer”: Countrywide Home Loans Servicing LP, primary of the Mortgage Loans as set forth and as individually defined in the Mortgage Loan Schedule hereto and any successors thereto.

“Servicer Remittance Date”: The “Remittance Date” defined in the Servicing Agreement.

“Servicing Account”: Any account established and maintained by the Servicer with respect to the related Mortgage Loans and any REO Property, pursuant to the terms of the Servicing Agreement: “Servicing Addendum’: As defined in the Servicing Agreement.

“Servicing Advances”: With respect to the Servicer, all customary, reasonable and necessary “out of pocket” costs and expenses (including reasonable attorneys’ fees and expenses) incurred by the Servicer in the performance of its servicing obligations hereunder, including, but not limited to, the cost of (i) the preservation, restoration, inspection and protection of the Mortgaged Property, (ii) any enforcement or judicial proceedings, including foreclosures, (iii) the management and liquidation of the REO Property and (iv) compliance with the obligations under Article III hereof or the Servicing Agreement.

“Servicing Agreement”: The servicing agreement relating to the Mortgage Loans as set forth in Exhibit M hereto, as reconstituted by the Reconstituted Servicing Agreement, and any other servicing agreement entered into between a successor servicer, the Seller or the Trustee on behalf of the Trust pursuant to the terms hereof.

“Servicing Fee”: With respect to the Servicer and each Mortgage Loan serviced by the Servicer and for any calendar month, the fee payable to the Servicer determined pursuant to the Servicing Agreement.

“Servicing Fee Rate”: With respect to each Mortgage Loan, the per annum servicing fee rate set forth on the Mortgage Loan Schedule.

“Servicing Officer”: Any officer of the Servicer involved in, or responsible for, the administration and servicing of Mortgage Loans, whose name and specimen signature appear on a list of servicing officers furnished to the Trustee and the Depositor on the Closing Date, as such list may from time to time be amended.

“Startup Day”: As defined in Section 9.01(b) hereof.

“Stated Principal Balance”: With respect to any Mortgage Loan: (a) as of the Distribution Date in April 2005, the Cut-Off Date Principal Balance of such Mortgage Loan, (b) thereafter as of any date of determination up to and including the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan would be distributed, the Cut-Off Date Principal Balance of such Mortgage Loan minus, in the case of each Mortgage Loan, the sum of (i) the principal portion of each Monthly Payment due on a Due Date subsequent to the Cut-Off Date, whether or not received, (ii) all Principal Prepayments received after the Cut-Off Date, to the extent distributed pursuant to Section 5.01 before such date of determination and (iii) all Liquidation Proceeds and Insurance Proceeds applied by the Servicer as recoveries of principal in accordance with the applicable provisions of the Servicing Agreement, to the extent distributed pursuant to Section 5.01 such date of determination; and (c) as of any date of determination subsequent to the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such Mortgage Loan would be distributed, zero; provided that, such Stated Principal Balance shall be increased by the amount of any Deferred Interest added to the outstanding Principal Balance of such Mortgage Loan pursuant to the terms of the related Mortgage Note. With respect to any REO Property: (x) as of any date of determination up to and including the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such REO Property would be distributed, an amount (not less than zero) equal to the Stated Principal Balance of the related Mortgage Loan as of the date on which such REO Property was acquired on behalf of the Trust, minus the aggregate amount of REO Principal Amortization in respect of such REO Property for all previously ended calendar months, to the extent distributed pursuant to Section 5.01 before such date of determination; and (y) as of any date of determination subsequent to the Distribution Date on which the proceeds, if any, of a Liquidation Event with respect to such REO Property would be distributed, zero.

“Step Down Conditions”: As of the first Distribution Date as to which any decrease in any Senior Prepayment Percentage applies, (i) the outstanding Principal Balance of all Mortgage Loans 60 days or more Delinquent (including Mortgage Loans in REO and foreclosure) (averaged over the preceding six month period), as a percentage of the aggregate of the Class Certificate Principal Balances of the Classes of Subordinate Certificates on such Distribution Date, does not equal or exceed 50% and (ii) cumulative Realized Losses with respect to all of the Mortgage Loans do not exceed:

for any Distribution Date on or after the tenth anniversary of the first Distribution Date, 30% of the aggregate Certificate Principal Balance of the Subordinate Certificates as of the Closing Date,

for any Distribution Date on or after the eleventh anniversary of the first Distribution Date, 35% of the aggregate Certificate Principal Balance of the Subordinate Certificates as of the Closing Date,

for any Distribution Date on or after the twelfth anniversary of the first Distribution Date, 40% of the aggregate Certificate Principal Balance of the Subordinate Certificates as of the Closing Date,

for any Distribution Date on or after the thirteenth anniversary of the first Distribution Date, 45% of the aggregate Certificate Principal Balance of the Subordinate Certificates as of the Closing Date, and

for any Distribution Date on or after the fourteenth anniversary of the first Distribution Date, 50% of the aggregate Certificate Principal Balance of the Subordinate Certificates as of the Closing Date.

“Strike Rate”: With respect to any Distribution Date and a Yield Maintenance Agreement, the strike rate listed on Schedule III hereto.

“Subordinate Adjusted Lower Tier WAC”: For any Distribution Date (and the related Accrual Period), the product of (i) 2 multiplied by (ii) the weighted average of the interest rates on the XXX-0, XXX-0, XXX-0, XXX-0, XXX-0, XXX-0 and LTB-Q Interests, weighted on the basis of their principal balances as of the first day of the related Accrual Period and computed for this purpose by first subjecting the interest rate on the LTB-Q Interest to a cap of 0.00%, and first subjecting the interest rate on each of the XXX-0, XXX-0, XXX-0, XXX-0, XXX-0 and LTB-6 Interests to a cap equal to the Pass-Through Rate for the Corresponding Class of Certificates multiplied by the quotient of (a) the actual number of days in the Accrual Period for the Corresponding Class of Certificates divided by (b) 30.

“Subordinate Certificate”: Any one of the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 or Class B-6 Certificates.

“Subordinate Class Expense Share”: For each Class of Subordinate Certificates and each Accrual Period, the Subordinate Class Expense Share shall be allocated in reverse order of their respective numerical Class designations (beginning with the Class of Subordinate Certificates with the highest numerical Class designation) and will be an amount equal to (i) the sum of, without duplication, (a) the amounts paid to the Trustee from the Trust Fund during such Accrual Period pursuant to Section 8.05 hereof to the extent such amounts were paid for ordinary or routine expenses and were not taken into account in computing the Net Loan Rate of any Mortgage Loan and (b) amounts described in clause (y) of the definition of Available Funds herein to the extent such amounts were paid for ordinary or routine expenses and were not taken into account in computing the Net Mortgage Rate of any Mortgage Loan minus (ii) amounts taken into account under clause (i) of this definition in determining the Subordinate Class Expense Share of any Class of Subordinate Certificates having a higher numeric designation. In no event, however, shall the Subordinate Class Expense Share for any Class of Subordinate Certificates and any Accrual Period exceed the product of (i) (a) the lesser of the Pass-Through Rate for such Class or the LIBOR Adjusted Cap Rate, divided by (b) 12 and (ii) the Class Certificate Principal Amount of such Class of Subordinate Certificates as of the beginning of the related Accrual Period.

“Subordinate Component”: With respect to each Loan Group and any Distribution Date, the excess of the related Loan Group Balance for such Distribution Date over the aggregate Class Certificate Principal Balance and Component Principal Balance of the related Senior Certificate Group and Principal-Only Component immediately preceding such Distribution Date. The designation “1” and “2” appearing after the corresponding Loan Group designation is used to indicate a Subordinate Component allocable to Loan Group 1 and Loan Group 2, respectively.

“Subordinate Percentage”: With respect to each Loan Group and any Distribution Date, the difference between 100% and the related Senior Percentage for such Loan Group and Distribution Date; provided, however, that on any Distribution Date occurring after a Senior Termination Date has occurred with respect to the Senior Certificates and Principal-Only Components related to two Loan Groups, the Subordinate Percentage will represent the entire interest of the Subordinate Certificates in the Mortgage Loans and will equal the difference between 100% and the related Senior Percentage for such Distribution Date.

“Subordinate Prepayment Percentage”: With respect to each Loan Group and any Distribution Date, the difference between 100% and the related Senior Prepayment Percentage for such Distribution Date.

“Subordinate Principal Distribution Amount”: With respect to each Loan Group and any Distribution Date, an amount equal to the sum of for all Loan Groups:

(1)

the related Subordinate Percentage of all amounts described in clauses (a) through (d) of the definition of “Principal Distribution Amount” for that Loan Group and Distribution Date;

(2)

with respect to each Mortgage Loan in such Loan Group that became a Liquidated Mortgage Loan during the related Prepayment Period, the amount of the Net Liquidation Proceeds allocated to principal received with respect thereto remaining after application thereof pursuant to clause (2) of the definition of “Senior Principal Distribution Amount” for that Loan Group and Distribution Date, up to the related Subordinate Percentage of the Stated Principal Balance of such Mortgage Loan; and

(3)

the related Subordinated Prepayment Percentage of all amounts described in clause (f) of the definition of “Principal Distribution Amount” for such Loan Group and Distribution Date;

provided, however, that on any Distribution Date occurring after a Senior Termination Date has occurred with respect to the Senior Certificates and Principal-Only Component related to two Loan Groups, the Subordinate Principal Distribution Amount will not be calculated by Loan Group but will equal the amount calculated pursuant to the formula set forth above based on the applicable Subordinate Percentage or Subordinate Prepayment Percentage, as applicable, for such Distribution Date with respect to all the Mortgage Loans rather than the Mortgage Loans in the related Loan Group only.

“Substitution Adjustment”: As defined in Section 2.03(d) hereof.

“Tax Returns”: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of the REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of every REMIC created hereunder under the REMIC Provisions, together with any and all other information reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws.

“Termination Price”: As defined in Section 10.01(a) hereof.

“Transfer”: Any direct or indirect transfer or sale of any Ownership Interest in a Residual Certificate.

“Transfer Affidavit”: As defined in Section 6.02(e)(ii) hereof.

“Transferee”: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate.

“Trust”: HarborView Mortgage Loan Trust 2005-2, the trust created hereunder.

“Trust Fund”: The segregated pool of assets subject hereto, constituting the primary trust created hereby and to be administered hereunder, with respect to which a REMIC election is to be made, such Trust Fund consisting of: (i) such Mortgage Loans as from time to time are subject to this Agreement, together with the Mortgage Files relating thereto, and together with all collections thereon and proceeds thereof, excluding Prepayment Penalty Amounts, (ii) any REO Property, together with all collections thereon and proceeds thereof, (iii) the Trustee’s rights with respect to the Mortgage Loans under all insurance policies required to be maintained pursuant to this Agreement and any proceeds thereof, (iv) the Depositor’s rights under the Mortgage Loan Purchase Agreement (including any security interest created thereby); (v) the Distribution Account (subject to the last sentence of this definition), any REO Account and such assets that are deposited therein from time to time and any investments thereof, together with any and all income, proceeds and payments with respect thereto; (vi) all right, title and interest of the Seller in and to the Servicing Agreement; (vii) the Basis Risk Reserve Fund and the Yield Maintenance Account; (viii) the rights of the Trust under the Yield Maintenance Agreements; and (viii) the Class 2-A-1C Certificate Insurance Policy. Notwithstanding the foregoing, however, the Trust Fund specifically excludes (1) all payments and other collections of interest and principal due on the Mortgage Loans on or before the Cut-Off Date and principal received before the Cut-Off Date (except any principal collected as part of a payment due after the Cut-Off Date) and (2) all income and gain realized from Permitted Investments of funds on deposit in the Distribution Account.

“Trustee”: U.S. Bank National Association, its successors and assigns, or any successor trustee appointed as provided herein.

“Trustee Fee”: The monthly fee paid to the Trustee for its services rendered under this Agreement calculated at the Trustee Fee Rate of the outstanding Principal Balance of each Mortgage Loan as of the first day of the related Due Period.

“Trustee Fee Rate”: 0.0019% per annum.

“Two Times Test”: As to any Distribution Date, (i) the Aggregate Subordinate Percentage is at least two times the Aggregate Subordinate Percentage as of the Closing Date; (ii) the aggregate of the Principal Balances of all Mortgage Loans Delinquent 60 days or more (including Mortgage Loans in REO and foreclosure) (averaged over the preceding six-month period), as a percentage of the aggregate of the Class Certificate Principal Balances of the Subordinate Certificates, does not equal or exceed 50%; and (iii) on or after the Distribution Date in April 2008, cumulative Realized Losses do not exceed 30% of the Original Subordinated Principal Balance or prior to the Distribution Date in April 2008, cumulative Realized Losses do not exceed 20% of the Original Subordinated Principal Balance.

“Undercollateralized Group”: With respect to any Distribution Date and Loan Group, as to which the aggregate Class Certificate Principal Balance and Component Principal Balance of the related classes of Senior Certificates and Principal-Only Component, after giving effect to distributions pursuant to Section 5.01(a) on such date, is greater than the Loan Group Balance of the related Loan Group for such Distribution Date.

“Underwriter’s Exemption”: Prohibited Transaction Exemption 90-59 (Exemption Application No. D-8374), as amended by Prohibited Transaction Exemption 97-34 (Exemption Application Nos. D-10245 and D-10246), as amended by Prohibited Transaction Exemption 2000-58 (Exemption Application No. D-10829) and as amended by Prohibited Transaction Exemption 2002-41 (Exemption Application No. D-11077) (or any successor thereto), or any substantially similar administrative exemption granted by the U.S. Department of Labor.

“Uninsured Cause”: Any cause of damage to a Mortgaged Property such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies required to be maintained on such Mortgaged Property.

“United States Person” or “U.S. Person”: A “United States person” within the meaning set forth in Section 7701(a)(30) of the Code or successor provisions.

“Unpaid Interest Shortfall Amount”: With respect to each Class of Certificates (other than the Class Y Certificates and the Class PO Certificates) and (i) the first Distribution Date, zero, and (ii) any Distribution Date after the first Distribution Date, the amount, if any, by which (1)(a) the Monthly Interest Distributable Amount for that Class for the immediately preceding Distribution Date exceeds (b) the aggregate amount distributed on that Class in respect of such Monthly Interest Distributable Amount on the preceding Distribution Date plus (2) any such shortfalls remaining unpaid from prior Distribution Dates.

“Upper Tier REMIC”: As described in the Preliminary Statement.

“Value”: With respect to any Mortgage Loan and the related Mortgaged Property, the lesser of:

(i)

the value of such Mortgaged Property as determined by an appraisal made for the originator of the Mortgage Loan at the time of origination of the Mortgage Loan by an appraiser who met the minimum requirements of Xxxxxx Xxx and Xxxxxxx Mac; and

(ii)

the purchase price paid for the related Mortgaged Property by the Mortgagor with the proceeds of the Mortgage Loan;

provided, however, that in the case of a Refinancing Mortgage Loan, such value of the Mortgaged Property is based solely upon the value determined by an appraisal made for the originator of such Refinancing Mortgage Loan at the time of origination by an appraiser who met the minimum requirements of Xxxxxx Mae and Xxxxxxx Mac.

“Voting Rights”: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. 98% of the voting rights shall be allocated among the Classes of Regular Certificates (other than the Class X and Class A-R Certificates), pro rata, based on a fraction, expressed as a percentage, the numerator of which is the Class Certificate Principal Balance of such Class and the denominator of which is the aggregate of the Class Certificate Principal Balances then outstanding, 1% of the voting rights shall be allocated to the Class X Certificates and 1% of the voting rights shall be allocated to the Class A-R Certificate; provided, however, that when none of the Regular Certificates is outstanding, 100% of the voting rights shall be allocated to the Holder of the Class A-R Certificate. The voting rights allocated to a Class of Certificates shall be allocated among all Holders of such Class, pro rata, based on a fraction the numerator of which is the Certificate Principal Balance or Certificate Notional Balance, as applicable, of each Certificate of such Class and the denominator of which is the Class Certificate Principal Balance or Class Certificate Notional Balance, as applicable, of such Class; provided, however, that any Certificate registered in the name of the Trustee or any of its affiliates shall not be included in the calculation of Voting Rights. The Class Y Certificates shall have no Voting Rights.

“Writedown Amount”: The reduction described in Section 5.03(c).

“Yield Maintenance Account”: The separate trust account maintained and held by the Trustee pursuant to Section 4.04, which account shall bear a designation clearly indicating that the funds deposited therein are held in trust for the benefit of the Trust on behalf of the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C Class 2-A-2 and Class Y Certificateholders, and which account provides that the Trustee may make, or cause to be made, withdrawals therefrom in accordance with Section 4.04.

“Yield Maintenance Agreement”: Each of the two transactions evidenced by the confirmation dated April 12, 2005 together with any other related documents thereto, between the Yield Maintenance Provider and the Trust. The Yield Maintenance Agreements will be for the benefit of (i) the Class 2-A-1A, Class 2-A-1B and Class 2-A-2 Certificates and (ii) the Class 2-A-1C Certificates.

“Yield Maintenance Distributable Amount”: With respect to each Distribution Date and the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, an amount equal to the product of (i) the excess, if any, of (x) LIBOR, subject to a maximum of 10.50%, over (y) the applicable Strike Rate, (ii) the lesser of (a) the related Yield Maintenance Notional Balance and (b) the aggregate Certificate Principal Balance of the related Class or Classes of Certificates on the first day of the related Accrual Period and (iii) a fraction, the numerator of which is the actual number days in the related interest Accrual Period and the denominator of which is 360.

“Yield Maintenance Notional Balance”: For a Yield Maintenance Agreement and any Distribution Date, the amount set forth on Schedule III hereto.

“Yield Maintenance Payment”: The payment remitted to the Trustee by the Yield Maintenance Provider under the Yield Maintenance Agreements.

“Yield Maintenance Provider”: The Bank of New York.

SECTION 1.02. Accounting.

Unless otherwise specified herein, for the purpose of any definition or calculation, whenever amounts are required to be netted, subtracted or added or any distributions are taken into account such definition or calculation and any related definitions or calculations shall be determined without duplication of such functions.

ARTICLE II

CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES

SECTION 2.01. Conveyance of Mortgage Loans.

The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey to the Trustee without recourse for the benefit of the Certificateholders all the right, title and interest of the Depositor, including any security interest therein for the benefit of the Depositor, in and to (i) each Mortgage Loan identified on the Mortgage Loan Schedule, including the related Cut-Off Date Principal Balance, all interest due thereon after the Cut-Off Date and all collections in respect of interest and principal due after the Cut-Off Date; (ii) all the Depositor’s right, title and interest in and to the Distribution Account and all amounts from time to time credited to and the proceeds of the Distribution Account; (iii) any real property that secured each such Mortgage Loan and that has been acquired by foreclosure or deed in lieu of foreclosure; (iv) the Depositor’s interest in any insurance policies in respect of the Mortgage Loans; (v) all proceeds of any of the foregoing; and (vi) all other assets included or to be included in the Trust Fund. Such assignment includes all interest and principal due to the Depositor after the Cut-Off Date with respect to the Mortgage Loans. In exchange for such transfer and assignment, the Depositor shall receive the Certificates. On the Closing Date, the Depositor shall transfer the Class Y Certificate to the Seller as partial consideration for the sale of the Mortgage Loans by the Seller to the Depositor pursuant to the Mortgage Loans Purchase Agreement. In addition, on or prior to the Closing Date, the Depositor shall cause the Yield Maintenance Provider to enter into the Yield Maintenance Agreements with the Trustee and on the Closing Date, the Seller shall transfer the Class Y Certificate to the Trustee as inducement to enter into the Yield Maintenance Agreements. The Depositor hereby directs the Trustee to execute, not in its individual capacity, but solely as Trustee on behalf of the Trust, and deliver the Yield Maintenance Agreements.

Concurrently with the execution and delivery of this Agreement, the Depositor does hereby assign to the Trustee all of its rights and interest under the Mortgage Loan Purchase Agreement, including all rights of the Seller under the Servicing Agreement to the extent assigned in the Mortgage Loan Purchase Agreement. The Trustee hereby accepts such assignment, and shall be entitled to exercise all rights of the Depositor under the Mortgage Loan Purchase Agreement and all rights of the Seller under each Servicing Agreement as if, for such purpose, it were the Depositor or the Seller, as applicable, including the Seller’s right to enforce remedies for breaches of representations and warranties and delivery of Mortgage Loan documents. The foregoing sale, transfer, assignment, set-over, deposit and conveyance does not and is not intended to result in creation or assumption by the Trustee of any obligation of the Depositor, the Seller or any other Person in connection with the Mortgage Loans or any other agreement or instrument relating thereto except as specifically set forth herein.

In connection with such transfer and assignment, (i) the Depositor directs the Trustee to appoint The Bank of New York as a Custodian, and (ii) the Seller, on behalf of the Depositor, does hereby deliver on the Closing Date, unless otherwise specified in this Section 2.01 or the BONY Custodial Agreement, to, and deposit with the Trustee, or the Custodian as its designated agent, the following documents or instruments with respect to each Mortgage Loan (a “Mortgage File”) so transferred and assigned:

(i)

the original Mortgage Note, endorsed either on its face or by allonge attached thereto in blank or in the following form: “Pay to the order of U.S. Bank National Association, as Trustee for HarborView Mortgage Loan Trust 2005-2, Mortgage Loan Pass-Through Certificates, Series 2005-2, without recourse”, or with respect to any lost Mortgage Note, an original Lost Note Affidavit stating that the original mortgage note was lost, misplaced or destroyed, together with a copy of the related mortgage note; provided, however, that such substitutions of Lost Note Affidavits for original Mortgage Notes may occur only with respect to Mortgage Loans the aggregate Cut-Off Date Principal Balance of which is less than or equal to 2% of the Cut-Off Date Aggregate Principal Balance;

(ii)

except as provided below, for each Mortgage Loan that is not a MERS Mortgage Loan, the original Mortgage, and in the case of each MERS Mortgage Loan, the original Mortgage, noting the presence of the MIN for that Mortgage Loan and either language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, or if such Mortgage Loan was not a MOM Loan at origination, the original Mortgage and the assignment to MERS, in each case with evidence of recording thereon, and the original recorded power of attorney, if the Mortgage was executed pursuant to a power of attorney, with evidence of recording thereon or, if such Mortgage or power of attorney has been submitted for recording but has not been returned from the applicable public recording office, has been lost or is not otherwise available, a copy of such Mortgage or power of attorney, as the case may be, together with an Officer’s Certificate of the Seller certifying that the copy of such Mortgage delivered to the Trustee (or its Custodian) is a true copy and that the original of such Mortgage has been forwarded to the public recording office, or, in the case of a Mortgage that has been lost, a copy thereof (certified as provided for under the laws of the appropriate jurisdiction) and a written Opinion of Counsel (delivered at the Seller’s expense) acceptable to the Trustee and the Depositor that an original recorded Mortgage is not required to enforce the Trustee’s interest in the Mortgage Loan;

(iii)

the original of each assumption, modification or substitution agreement, if any, relating to the Mortgage Loans, or, as to any assumption, modification or substitution agreement which cannot be delivered on or prior to the Closing Date because of a delay caused by the public recording office where such assumption, modification or substitution agreement has been delivered for recordation, a photocopy of such assumption, modification or substitution agreement, pending delivery of the original thereof, together with an Officer’s Certificate of the Seller, title company, escrow agent or closing attorney certifying that the copy of such assumption, modification or substitution agreement delivered to the Trustee (or its Custodian) on behalf of the Trust is a true copy and that the original of such agreement has been forwarded to the public recording office;

(iv)

in the case of each Mortgage Loan that is not a MERS Mortgage Loan, an original Assignment of Mortgage, in form and substance acceptable for recording. The Mortgage shall be assigned to “U.S. Bank National Association, as Trustee for HarborView Mortgage Loan Trust 2005-2, Mortgage Loan Pass-Through Certificates, Series 2005-2, without recourse;”

(v)

in the case of each Mortgage Loan that is not a MERS Mortgage Loan, an original copy of any intervening Assignment of Mortgage showing a complete chain of assignments, or, in the case of an intervening Assignment of Mortgage that has been lost, a written Opinion of Counsel (delivered at the Seller’s expense) acceptable to the Trustee that such original intervening Assignment of Mortgage is not required to enforce the Trustee’s interest in the Mortgage Loans;

(vi)

the original Primary Insurance Policy, if any, or certificate, if any;

(vii)

the original or a certified copy of lender’s title insurance policy; and

(viii)

with respect to any Cooperative Loan, the Cooperative Loan Documents.

In connection with the assignment of any MERS Mortgage Loan, the Seller agrees that it will take (or shall cause the Servicer to take), at the expense of the Seller (with the cooperation of the Depositor and the Trustee, such actions as are necessary to cause the MERS® System to indicate that such Mortgage Loans have been assigned by the Seller to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans that are repurchased in accordance with this Agreement) in such computer files the information required by the MERS® System to identify the series of the Certificates issued in connection with the transfer of such Mortgage Loans to the HarborView Mortgage Loan Trust 2005-2.

With respect to each Cooperative Loan the Seller, on behalf of the Depositor does hereby deliver to the Trustee the related Cooperative Loan Documents and the Seller will take (or cause the Servicer to take), at the expense of the Seller (with the cooperation of the Depositor and the Trustee, such actions as are necessary under applicable law (including but not limited to the relevant UCC) in order to perfect the interest of the Trustee in the related Mortgaged Property.

Assignments of each Mortgage with respect to each Mortgage Loan that is not a MERS Mortgage Loan (other than a Cooperative Loan) shall be recorded; provided, however, that such assignments need not be recorded if, in the Opinion of Counsel (which must be from Independent Counsel and not at the expense of the Trust or the Trustee) acceptable to the Trustee, the Rating Agency, recording in such states is not required to protect the Trustee’s interest in the related Mortgage Loans; provided, further, notwithstanding the delivery of any Opinion of Counsel, each assignment of Mortgage shall be submitted for recording by the Seller (or the Seller will cause the Servicer to submit each such assignment for recording), at the cost and expense of the Seller, in the manner described above, at no expense to the Trust or Trustee, upon the earliest to occur of (1) reasonable direction by the Majority Certificateholders, (2) the occurrence of a bankruptcy or insolvency relating to the Seller or the Depositor, or (3) with respect to any one Assignment of Mortgage, the occurrence of a bankruptcy, insolvency or foreclosure relating to the Mortgagor under the related Mortgage. Subject to the preceding sentence, as soon as practicable after the Closing Date (but in no event more than three months thereafter except to the extent delays are caused by the applicable recording office), the Seller shall properly record (or the Seller will cause the Servicer to properly record), at the expense of the Seller (with the cooperation of the Depositor and the Trustee or the Custodian on behalf of the Trustee, in each public recording office where the related Mortgages are recorded, each assignment referred to in Section 2.01(v) above with respect to a Mortgage Loan that is not a MERS Mortgage Loan.

If the original lender’s title insurance policy, or a certified copy thereof, was not delivered pursuant to Section 2.01(x) above, the Seller shall deliver or cause to be delivered to the Trustee the original or a copy of a written commitment or interim binder or preliminary report of title issued by the title insurance or escrow company, with the original or a certified copy thereof to be delivered to the Trustee, promptly upon receipt thereof, but in any case within 175 days of the Closing Date. The Seller shall deliver or cause to be delivered to the Trustee, promptly upon receipt thereof, any other documents constituting a part of a Mortgage File received with respect to any Mortgage Loan sold to the Depositor by the Seller, including, but not limited to, any original documents evidencing an assumption or modification of any Mortgage Loan.

All original documents that are not delivered to the Custodian on behalf of the Trust shall be held by the Servicer in trust for the Trustee, for the benefit of the Trust and the Certificateholders.

The Depositor herewith delivers to the Trustee an executed copy of the Mortgage Loan Purchase Agreement.

SECTION 2.02. Acceptance by Trustee.

The Trustee, by execution and delivery hereof, acknowledges receipt by it or by the Custodian on its behalf of the Mortgage Files pertaining to the Mortgage Loans listed on the Mortgage Loan Schedule, subject to review thereof by the Custodian on behalf of the Trustee and declares that it holds or will hold all other assets included in the definition of “Trust Fund” in trust for the exclusive use and benefit of all present and future Certificateholders.

The Trustee or the Custodian on behalf of the Trustee agrees, for the benefit of the Certificateholders, to review each Mortgage File delivered to it and to certify and deliver to the Depositor, the Seller and the Rating Agency an interim certification in substantially the form attached hereto as Exhibit G-2, within 90 days after the Closing Date (or, with respect to any document delivered after the Startup Day, within 45 days of receipt and with respect to any Qualified Substitute Mortgage, within five Business Days after the assignment thereof) that, as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or any Mortgage Loan specifically identified in the exception report annexed thereto as not being covered by such certification), (i) all documents required to be delivered to it pursuant to Section 2.01 of this Agreement are in its possession, (ii) such documents have been reviewed by it and have not been mutilated, damaged or torn and relate to such Mortgage Loan and (iii) based on its examination and only as to the foregoing, the information set forth in the Mortgage Loan Schedule that corresponds to items (i), (ii) and (iii) of the Mortgage Loan Schedule accurately reflects information set forth in the Mortgage File. It is herein acknowledged that, in conducting such review, the Trustee and the Custodian on its behalf are under no duty or obligation to inspect, review or examine any such documents, instruments, certificates or other papers to determine that they are genuine, enforceable, or appropriate for the represented purpose or that they have actually been recorded or that they are other than what they purport to be on their face.

No later than 180 days after the Closing Date, the Trustee or the Custodian on behalf of the Trustee shall deliver to the Depositor and the Seller a final certification in the form annexed hereto as Exhibit G-3 evidencing the completeness of the Mortgage Files, with any applicable exceptions noted thereon.

Upon the discovery by the Seller or the Depositor (or upon receipt by the Trustee of written notification of such breach) of a breach of any of the representations and warranties made by the Seller in the Mortgage Loan Purchase Agreement in respect of any Mortgage Loan that materially adversely affects such Mortgage Loan or the interests of the related Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties to this Agreement.

The Depositor and the Trustee intend that the assignment and transfer herein contemplated constitute a sale of the Mortgage Loans, the related Mortgage Notes and the related documents, conveying good title thereto free and clear of any liens and encumbrances, from the Depositor to the Trustee and that such property not be part of the Depositor’s estate or property of the Depositor in the event of any insolvency by the Depositor. In the event that such conveyance is deemed to be, or to be made as security for, a loan, the parties intend that the Depositor shall be deemed to have granted and does hereby grant to the Trustee a first priority perfected security interest in all of the Depositor’s right, title and interest in and to the Mortgage Loans, the related Mortgage Notes and the related documents, and that this Agreement shall constitute a security agreement under applicable law.

SECTION 2.03. Repurchase or Substitution of Mortgage Loans by the Originator and the Seller.

(a)

Upon its discovery or receipt of written notice of any materially defective document in, or that a document is missing from, a Mortgage File or of the breach by the Originator of any representation, warranty or covenant under the Servicing Agreement in respect of any Mortgage Loan which materially adversely affects the value of that Mortgage Loan or the interest therein of the Certificateholders, the Trustee shall promptly notify such Originator of such defect, missing document or breach and request that the Originator deliver such missing document or cure such defect or breach within 90 days from the date that the Seller was notified of such missing document, defect or breach, and if the Originator does not deliver such missing document or cure such defect or breach in all material respects during such period, the Trustee shall enforce the Originator’s obligation under the Servicing Agreement and cause the Originator to repurchase that Mortgage Loan from the Trust Fund at the Repurchase Price (as defined in the Servicing Agreement) on or prior to the Determination Date following the expiration of such 90 day period. It is understood and agreed that the obligation of the Originator to cure or to repurchase (or to substitute for) any Mortgage Loan as to which a document is missing, a material defect in a constituent document exists or as to which such a breach has occurred and is continuing shall constitute the sole remedy against such Originator respecting such omission, defect or breach available to the Trustee on behalf of the Certificateholders.

(b)

Upon discovery or receipt of written notice of the breach by the Seller of any representation, warranty or covenant under the Mortgage Loan Purchase Agreement or in Section 2.04 or Section 2.08 hereof in respect of any Mortgage Loan which materially adversely affects the value of that Mortgage Loan or the interest therein of the Certificateholders, the Trustee (or the Custodian on behalf of the Trustee) shall promptly notify the Seller of such breach and request that the Seller cure such breach within 90 days from the date that the Seller was notified of such breach, and if the Seller does not cure such breach in all material respects during such period, the Trustee shall enforce the Seller’s obligation under the Mortgage Loan Purchase Agreement and cause the Seller to repurchase that Mortgage Loan from the Trust Fund at the Purchase Price on or prior to the Determination Date following the expiration of such 90 day period (subject to Section 2.03(e) below); provided, however, that, in connection with any such breach that could not reasonably have been cured within such 90 day period, if the Seller shall have commenced to cure such breach within such 90 day period, the Seller shall be permitted to proceed thereafter diligently and expeditiously to cure the same within the additional period provided under the Mortgage Loan Purchase Agreement; and, provided further, that, in the case of the breach of any representation, warranty or covenant made by the Seller in Section 2.04 hereof, the Seller shall be obligated to cure such breach or purchase the affected Mortgage Loans for the Purchase Price or, if the Mortgage Loan or the related Mortgaged Property acquired with respect thereto has been sold, then the Seller shall pay, in lieu of the Purchase Price, any excess of the Purchase Price over the Net Liquidation Proceeds received upon such sale.

(c)

The Purchase Price or Repurchase Price (as defined in the Servicing Agreement) for a Mortgage Loan repurchased hereunder or such other amount due shall be deposited in the Distribution Account on or prior to the next Determination Date after the Originator’s or Seller’s obligation to repurchase such Mortgage Loan arises. Upon receipt of the related deposit in the Distribution Account, the Trustee shall cause the Custodian to release to the Originator or Seller, as applicable, the related Mortgage File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, representation or warranty, as the Originator or Seller, as applicable, shall furnish to it and as shall be necessary to vest in the Originator or Seller, as applicable, any Mortgage Loan released pursuant hereto and the Trustee and the Custodian shall have no further responsibility with regard to such Mortgage File (it being understood that the Trustee and Custodian shall have no responsibility for determining the sufficiency of such assignment for its intended purpose).

(d)

Notwithstanding anything to the contrary set forth above, with respect to any breach by the Seller of a representation or warranty made by the Seller herein or in the Mortgage Loan Purchase Agreement that materially and adversely affects the value of a Mortgage Loan or the Mortgage Loans or the interest therein of the Certificateholders, if the Seller would not be in breach of such representation or warranty but for a breach by the Originator of a representation and warranty made by the Originator in the Servicing Agreement, then the Originator thereunder, in the manner and to the extent set forth therein, and not the Seller, hereunder shall be required to remedy such breach.

The Trustee shall enforce the obligations of the Seller under the Mortgage Loan Purchase Agreement including, without limitation, any obligation of the Seller to purchase a Mortgage Loan on account of a breach of a representation, warranty or covenant as described in this Section 2.03(b).

(e)

If pursuant to the provisions of Section 2.03(b), the Seller repurchases or otherwise removes from the Trust Fund a Mortgage Loan that is a MERS Mortgage Loan, the Seller shall take (or shall cause the Servicer to take), at the expense of the Seller (with the cooperation of the Depositor and the Trustee), such actions as are necessary either (i) cause MERS to execute and deliver an Assignment of Mortgage in recordable form to transfer the Mortgage from MERS to the Seller and shall cause such Mortgage to be removed from registration on the MERS® System in accordance with MERS’ rules and regulations or (ii) cause MERS to designate on the MERS® System the Seller or its designee as the beneficial holder of such Mortgage Loan.

(f)

[Reserved].

(g)

Any substitution of Qualified Substitute Mortgage Loans for Deleted Mortgage Loans made pursuant to Section 2.03(a) above must be effected prior to the last Business Day that is within two years after the Closing Date. As to any Deleted Mortgage Loan for which the Seller substitutes a Qualified Substitute Mortgage Loan or Loans, such substitution shall be effected by the Seller delivering to the Custodian, on behalf of the Trustee, for such Qualified Substitute Mortgage Loan or Loans, the Mortgage Note, the Mortgage, the Assignment to the Trustee, and such other documents and agreements, with all necessary endorsements thereon, as are required by Section 2.01 hereof, together with an Officers’ Certificate stating that each such Qualified Substitute Mortgage Loan satisfies the definition thereof and specifying the Substitution Adjustment (as described below), if any, in connection with such substitution; provided, however, that, in the case of any Qualified Substitute Mortgage Loan that is a MERS Mortgage Loan, the Seller shall provide such documents and take such other action with respect to such Qualified Substitute Mortgage Loans as are required pursuant to Section 2.01 hereof. The Custodian, on behalf of the Trustee, shall acknowledge receipt for such Qualified Substitute Mortgage Loan or Loans and, within five Business Days thereafter, shall review such documents as specified in Section 2.02 hereof and deliver to the Servicer, with respect to such Qualified Substitute Mortgage Loan or Loans, a certification substantially in the form attached hereto as Exhibit G-2, with any exceptions noted thereon. Within 180 days of the date of substitution, the Custodian, on behalf of the Trustee, shall deliver to the Seller a certification substantially in the form of Exhibit G-3 hereto with respect to such Qualified Substitute Mortgage Loan or Loans, with any exceptions noted thereon. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution are not part of the Trust Fund and will be retained by the Seller. For the month of substitution, distributions to Certificateholders will reflect the collections and recoveries in respect of such Deleted Mortgage Loan in the Due Period preceding the month of substitution and the Depositor or the Seller, as the case may be, shall thereafter be entitled to retain all amounts subsequently received in respect of such Deleted Mortgage Loan. The Seller shall give or cause to be given written notice to the Certificateholders that such substitution has taken place, shall amend the Mortgage Loan Schedule to reflect the removal of such Deleted Mortgage Loan from the terms of this Agreement and the substitution of the Qualified Substitute Mortgage Loan or Loans and shall deliver a copy of such amended Mortgage Loan Schedule to the Trustee. Upon such substitution, such Qualified Substitute Mortgage Loan or Loans shall constitute part of the Trust Fund and shall be subject in all respects to the terms of this Agreement and, in the case of a substitution effected by the Seller, the Mortgage Loan Purchase Agreement, including, in the case of a substitution effected by the Seller all representations and warranties thereof included in the Mortgage Loan Purchase Agreement and all representations and warranties thereof set forth in Section 2.04 hereof, in each case as of the date of substitution.

For any month in which the Seller substitutes one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Seller shall determine, and provide written certification to the Trustee and the Seller as to the amount (each, a “Substitution Adjustment”), if any, by which the aggregate Purchase Price of all such Deleted Mortgage Loans exceeds the aggregate, as to each such Qualified Substitute Mortgage Loan, of the principal balance thereof as of the date of substitution, together with one month’s interest on such principal balance at the applicable Net Loan Rate. On or prior to the next Determination Date after the Seller’s obligation to repurchase the related Deleted Mortgage Loan arises, the Seller will deliver or cause to be delivered to the Trustee for deposit in the Distribution Account an amount equal to the related Substitution Adjustment, if any, and the Custodian, on behalf of the Trustee, upon receipt of the related Qualified Substitute Mortgage Loan or Loans, shall release to the Seller the related Mortgage File or Files and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as the Seller shall deliver to it and as shall be necessary to vest therein any Deleted Mortgage Loan released pursuant hereto.

In addition, the Seller shall obtain at its own expense and deliver to the Trustee an Opinion of Counsel to the effect that such substitution (either specifically or as a class of transactions) will not cause an Adverse REMIC Event. If such Opinion of Counsel cannot be delivered, then such substitution may only be effected at such time as the required Opinion of Counsel can be given.

(h)

Upon discovery by the Seller, the Depositor or the Trustee that any Mortgage Loan does not constitute a “qualified mortgage” within the meaning of Section 860G(a)(3) of the Code, the party discovering such fact shall within two Business Days give written notice thereof to the other parties. In connection therewith, the Seller shall repurchase or, subject to the limitations set forth in Section 2.03(e), substitute one or more Qualified Substitute Mortgage Loans for the affected Mortgage Loan within 90 days of the earlier of discovery or receipt of such notice with respect to such affected Mortgage Loan. Any such repurchase or substitution shall be made in the same manner as set forth in Section 2.03(b) above, if made by the Seller. The Trustee shall reconvey to the Seller the Mortgage Loan to be released pursuant hereto in the same manner, and on the same terms and conditions, as it would a Mortgage Loan repurchased for breach of a representation or warranty.

(i)

Notwithstanding the foregoing, to the extent that any fact, condition or event with respect to a Mortgage Loan constitutes a breach of both (i) a representation or warranty of the Originator under the applicable Purchase Agreement and (ii) a representation or warranty of the Seller under this Agreement, in each case, which materially adversely affects the value of such Mortgage Loan or the interest therein of the Certificateholders, the Trustee shall first request that the Originator cure such breach or repurchase such Mortgage Loan and if the Originator fails to cure such breach or repurchase such Mortgage Loan within 60 days of receipt of such request from the Trustee, the Trustee shall then request that the Seller cure such breach or repurchase such Mortgage Loans.

SECTION 2.04. Representations and Warranties of the Seller with Respect to the Mortgage Loans.

The Seller hereby makes the following representations and warranties to the Trustee on behalf of the Certificateholders and the Certificate Insurer as of the Closing Date with respect to the Mortgage Loans:

(i)

Each Mortgage Loan at the time it was made complied in all material respects with applicable local, state, and federal laws, including, but not limited to, all applicable predatory and abusive lending laws.

(ii)

No Mortgage Loan is a “High Cost Loan” or “Covered Loan,” as applicable, (as such terms are defined in the then current Standard & Poor’s LEVELS® Glossary, Appendix E, in effect as of the Closing Date) and no Mortgage Loan originated on or after October 1, 2002 through March 6, 2003 is governed by the Georgia Fair Lending Act;

(iii)

With respect to each representation and warranty with respect to any Mortgage Loan made by the related Originator in the related Purchase Agreement that is made as of the related Closing Date (as defined in the related Purchase Agreement), to the Seller’s knowledge, no event has occurred since the related Closing Date (as defined in the related Purchase Agreement) that would render such representations and warranties to be untrue in any material respect; and

(iv)

Each Group 1 Mortgage Loan has an original principal balance that conforms to Xxxxxxx Mac guidelines in effect as of the Closing Date.

With respect to the representations and warranties in this Section 2.04 that are made to the best of the Seller’s knowledge or as to which the Seller has no knowledge, if it is discovered by the Depositor, the Seller, the Certificate Insurer or the Trustee that the substance of such representation and warranty is inaccurate and such inaccuracy materially and adversely affects the value of the related Mortgage Loan or the interest therein of the Certificateholders then, notwithstanding the Seller’s lack of knowledge with respect to the substance of such representation and warranty being inaccurate at the time the representation or warranty was made, such inaccuracy shall be deemed a breach of the applicable representation or warranty.

It is understood and agreed that the representations and warranties in this Section 2.04 shall survive delivery of the Mortgage Files to the Trustee and shall inure to the benefit of the Certificateholders notwithstanding any restrictive or qualified endorsement or assignment. Upon discovery by any of the Depositor, the Seller, the Certificate Insurer or the Trustee of a breach of any of the foregoing representations and warranties which materially and adversely affects the value of any Mortgage Loan or the interests therein of the Certificateholders, the party discovering such breach shall give prompt written notice to the other parties, and in no event later than two Business Days from the date of such discovery. It is understood and agreed that the obligations of the Seller set forth in Section 2.03(b) hereof to cure, substitute for or repurchase a related Mortgage Loan pursuant to the Mortgage Loan Purchase Agreement constitute the sole remedies available to the Certificateholders or to the Trustee on their behalf respecting a breach of the representations and warranties incorporated in this Section 2.04.

SECTION 2.05. [Reserved].

SECTION 2.06. Representations and Warranties of the Depositor.

The Depositor represents and warrants to the Trustee on behalf of the Certificateholders and the Certificate Insurer and to as follows:

(i)

this agreement constitutes a legal, valid and binding obligation of the Depositor, enforceable against the Depositor in accordance with its terms, except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws now or hereafter in effect affecting the enforcement of creditors’ rights in general an except as such enforceability may be limited by general principles of equity (whether considered in a proceeding at law or in equity);

(ii)

immediately prior to the sale and assignment by the Depositor to the Trustee on behalf of the Trust of each Mortgage Loan, the Depositor had good and marketable title to each Mortgage Loan (insofar as such title was conveyed to it by the Seller) subject to no prior lien, claim, participation interest, mortgage, security interest, pledge, charge or other encumbrance or other interest of any nature;

(iii)

as of the Closing Date, the Depositor has transferred all right, title and interest in the Mortgage Loans to the Trustee on behalf of the Trust;

(iv)

the Depositor has not transferred the Mortgage Loans to the Trustee on behalf of the Trust with any intent to hinder, delay or defraud any of its creditors;

(v)

the Depositor has been duly incorporated and is validly existing as a corporation in good standing under the laws of Delaware, with full corporate power and authority to own its assets and conduct its business as presently being conducted;

(vi)

the Depositor is not in violation of its certificate of incorporation or by-laws or in default in the performance or observance of any material obligation, agreement, covenant or condition contained in any contract, indenture, mortgage, loan agreement, note, lease or other instrument to which the Depositor is a party or by which it or its properties may be bound, which default might result in any material adverse changes in the financial condition, earnings, affairs or business of the Depositor or which might materially and adversely affect the properties or assets, taken as a whole, of the Depositor;

(vii)

the execution, delivery and performance of this Agreement by the Depositor, and the consummation of the transactions contemplated hereby, do not and will not result in a material breach or violation of any of the terms or provisions of, or, to the knowledge of the Depositor, constitute a default under, any indenture, mortgage, deed of trust, loan agreement or other agreement or instrument to which the Depositor is a party or by which the Depositor is bound or to which any of the property or assets of the Depositor is subject, nor will such actions result in any violation of the provisions of the certificate of incorporation or by-laws of the Depositor or, to the best of the Depositor’s knowledge without independent investigation, any statute or any order, rule or regulation of any court or governmental agency or body having jurisdiction over the Depositor or any of its properties or assets (except for such conflicts, breaches, violations and defaults as would not have a material adverse effect on the ability of the Depositor to perform its obligations under this Agreement);

(viii)

to the best of the Depositor’s knowledge without any independent investigation, no consent, approval, authorization, order, registration or qualification of or with any court or governmental agency or body of the United States or any other jurisdiction is required for the issuance of the Certificates, or the consummation by the Depositor of the other transactions contemplated by this Agreement, except such consents, approvals, authorizations, registrations or qualifications as (a) may be required under State securities or “blue sky” laws, (b) have been previously obtained or (c) the failure of which to obtain would not have a material adverse effect on the performance by the Depositor of its obligations under, or the validity or enforceability of, this Agreement; and

(ix)

there are no actions, proceedings or investigations pending before or, to the Depositor’s knowledge, threatened by any court, administrative agency or other tribunal to which the Depositor is a party or of which any of its properties is the subject: (a) which if determined adversely to the Depositor would have a material adverse effect on the business, results of operations or financial condition of the Depositor; (b) asserting the invalidity of this Agreement or the Certificates; (c) seeking to prevent the issuance of the Certificates or the consummation by the Depositor of any of the transactions contemplated by this Agreement, as the case may be; or (d) which might materially and adversely affect the performance by the Depositor of its obligations under, or the validity or enforceability of, this Agreement.

SECTION 2.07. Issuance of Certificates.

The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery to it or to the Custodian of the Mortgage Files, subject to the provisions of Sections 2.01 and 2.02 hereof, together with the assignment to it of all other assets included in the Trust Fund, receipt of which is hereby acknowledged. Concurrently with such assignment and delivery and in exchange therefor, the Trustee, pursuant to the written request of the Depositor executed by an officer of the Depositor, has caused to be executed, authenticated and delivered to or upon the order of the Depositor, the Certificates in authorized denominations. The interests evidenced by the Certificates constitute the entire beneficial ownership interest in the Trust Fund.

SECTION 2.08. Representations and Warranties of the Seller.

The Seller hereby represents and warrants to the Trustee on behalf of the Certificateholders and the Certificate Insurer that, as of the Closing Date or as of such date specifically provided herein:

(i)

The Seller is duly organized, validly existing and in good standing and has the power and authority to own its assets and to transact the business in which it is currently engaged. The Seller is duly qualified to do business and is in good standing in each jurisdiction in which the character of the business transacted by it or properties owned or leased by it requires such qualification and in which the failure to so qualify would have a material adverse effect on (a) its business, properties, assets or condition (financial or other), (b) the performance of its obligations under this Agreement, or (c) the value or marketability of the Mortgage Loans.

(ii)

The Seller has the power and authority to make, execute, deliver and perform this Agreement and to consummate all of the transactions contemplated hereunder and has taken all necessary action to authorize the execution, delivery and performance of this Agreement which is part of its official records. When executed and delivered, this Agreement will constitute the Seller’s legal, valid and binding obligations enforceable in accordance with its terms, except as enforcement of such terms may be limited by (1) bankruptcy, insolvency, reorganization, receivership, moratorium or similar laws affecting the enforcement of creditors’ rights generally and the rights of creditors of federally insured financial institutions and by the availability of equitable remedies, (2) general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law) or (3) public policy considerations underlying the securities laws, to the extent that such policy considerations limit the enforceability of the provisions of this Agreement which purport to provide indemnification from securities laws liabilities.

(iii)

The Seller holds all necessary licenses, certificates and permits from all governmental authorities necessary for conducting its business as it is currently conducted. It is not required to obtain the consent of any other party or any consent, license, approval or authorization from, or registration or declaration with, any governmental authority, bureau or agency in connection with the execution, delivery, performance, validity or enforceability of this Agreement, except for such consents, licenses, approvals or authorizations, or registrations or declarations as shall have been obtained or filed, as the case may be, prior to the Closing Date.

(iv)

The execution, delivery and performance of this Agreement by the Seller will not conflict with or result in a breach of, or constitute a default under, any provision of any existing law or regulation or any order or decree of any court applicable to the Seller or any of its properties or any provision of its articles of incorporation, charter or by-laws, or constitute a material breach of, or result in the creation or imposition of any lien, charge or encumbrance upon any of its properties pursuant to any mortgage, indenture, contract or other agreement to which it is a party or by which it may be bound.

(v)

No certificate of an officer, written statement or written report delivered pursuant to the terms hereof of the Seller contains any untrue statement of a material fact or omits to state any material fact necessary to make the certificate, statement or report not misleading.

(vi)

The transactions contemplated by this Agreement are in the ordinary course of the Seller’s business.

(vii)

The Seller is not insolvent, nor will the Seller be made insolvent by the transfer of the Mortgage Loans to the Depositor, nor is the Seller aware of any pending insolvency of the Seller.

(viii)

The Seller is not in violation of, and the execution and delivery of this Agreement by the Seller and its performance and compliance with the terms of this Agreement will not constitute a violation with respect to, any order or decree of any court, or any order or regulation of any federal, state, municipal or governmental agency having jurisdiction, which violation would materially and adversely affect the Seller’s financial condition (financial or otherwise) or operations, or materially and adversely affect the performance of any of its duties hereunder.

(ix)

There are no actions or proceedings against the Seller, or pending or, to its knowledge, threatened, before any court, administrative agency or other tribunal; nor, to the Seller’s knowledge, are there any investigations (i) that, if determined adversely, would prohibit the Seller from entering into this Agreement, (ii) seeking to prevent the consummation of any of the transactions contemplated by this Agreement or (iii) that, if determined adversely, would prohibit or materially and adversely affect the Seller’s ability to perform any of its respective obligations under, or the validity or enforceability of, this Agreement.

(x)

The Seller did not transfer the Mortgage Loans to the Depositor with any intent to hinder, delay or defraud any of its creditors.

(xi)

The Seller acquired title to the Mortgage Loans in good faith, without notice of any adverse claims.

(xii)

The transfer, assignment and conveyance of the Mortgage Notes and the Mortgages by the Seller to the Depositor are not subject to the bulk transfer laws or any similar statutory provisions in effect in any applicable jurisdiction.

SECTION 2.09. Covenants of the Seller.

The Seller hereby covenants that, except for the transfer hereunder, the Seller will not sell, pledge, assign or transfer to any other Person, or grant, create, incur, assume or suffer to exist any lien on any Mortgage Loan, or any interest therein; the Seller will notify the Trustee, as assignee of the Depositor, of the existence of any lien on any Mortgage Loan immediately upon discovery thereof, and the Seller will defend the right, title and interest of the Trustee, as assignee of the Depositor, in, to and under the Mortgage Loans, against all claims of third parties claiming through or under the Seller; provided, however, that nothing in this Section 2.09 shall prevent or be deemed to prohibit the Seller from suffering to exist upon any of the Mortgage Loans any liens for municipal or other local taxes and other governmental charges if such taxes or governmental charges shall not at the time be due and payable or if the Seller shall currently be contesting the validity thereof in good faith by appropriate proceedings and shall have set aside on its books adequate reserves with respect thereto.

ARTICLE III

ADMINISTRATION OF THE MORTGAGE LOANS

SECTION 3.01. Servicing of the Mortgage Loans.

The Servicer will service the Mortgage Loans pursuant to the terms of the Servicing Agreement. The Trustee shall enforce the provisions of the Servicing Agreement in respect of the Servicer (including any reference to any obligation of the Servicer in this Agreement that is incorporated into or by which the Servicer is bound under, the Servicing Agreement).

SECTION 3.02. REMIC-Related Covenants.

For as long as any REMIC created hereunder shall exist, the Trustee shall act in accordance herewith to assure continuing treatment of such REMIC as a REMIC, and the Trustee shall comply with any directions of the Depositor or the Servicer to assure such continuing treatment. In particular, the Trustee shall not (a) sell or permit the sale of all or any portion of the Mortgage Loans or of any investment of deposits in an Account unless such sale is as a result of a repurchase of the Mortgage Loans pursuant to this Agreement or the Trustee has received a REMIC Opinion prepared at the expense of the Trust; and (b) other than with respect to a substitution pursuant to the Mortgage Loan Purchase Agreement or Section 2.04 of this Agreement, as applicable, accept any contribution to any REMIC after the Startup Day without receipt of a REMIC Opinion.

SECTION 3.03. Release of Mortgage Files.

(a)

Upon becoming aware of the payment in full of any Mortgage Loan, or the receipt by the Servicer of a notification that payment in full has been escrowed in a manner customary for such purposes for payment to Certificateholders on the next Distribution Date, the Servicer will, if required under the Servicing Agreement, promptly furnish to the Custodian, on behalf of the Trustee, two copies of a certification substantially in the form of Exhibit F hereto signed by a Servicing Officer or in a mutually agreeable electronic format which will, in lieu of a signature on its face, originate from a Servicing Officer (which certification shall include a statement to the effect that all amounts received in connection with such payment that are required to be deposited in the Servicing Account maintained by the Servicer the Servicing Agreement have been or will be so deposited) and shall request that the Trustee or the Custodian on behalf of the Trustee deliver to the Servicer the related Mortgage File. Upon receipt of such certification and request, the Trustee shall cause the Custodian to promptly release the related Mortgage File to the Servicer and the Trustee and the Custodian shall have no further responsibility with regard to such Mortgage File. Upon any such payment in full, the Servicer is authorized, to give, as agent for the Trustee, as the mortgagee under the Mortgage that secured the Mortgage Loan, an instrument of satisfaction (or assignment of mortgage without recourse) regarding the Mortgaged Property subject to the Mortgage, which instrument of satisfaction or assignment, as the case may be, shall be delivered to the Person or Persons entitled thereto against receipt therefor of such payment, it being understood and agreed that no expenses incurred in connection with such instrument of satisfaction or assignment, as the case may be, shall be chargeable to the Servicing Account.

(b)

From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan and in accordance with the Servicing Agreement, the Trustee shall execute such documents as shall be prepared and furnished to the Trustee by the Servicer (in form reasonably acceptable to the Trustee) and as are necessary to the prosecution of any such proceedings. The Trustee shall cause the Custodian, upon the request of the Servicer, and upon delivery to the Trustee (or the Custodian, on behalf of the Trustee) of two copies of a request for release signed by a Servicing Officer substantially in the form of Exhibit F (or in a mutually agreeable electronic format which will, in lieu of a signature on its face, originate from a Servicing Officer), release the related Mortgage File held in its possession or control to the Servicer. Such trust receipt shall obligate the Servicer to return the Mortgage File to the Custodian when the need therefor by the Servicer no longer exists unless the Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate of a Servicing Officer similar to that hereinabove specified, the Mortgage File shall be released by the Custodian, to the Servicer.

SECTION 3.04. REO Property.

(a)

In the event the Trust (or the Trustee, on behalf of the Trust), acquires ownership of any REO Property in respect of any related Mortgage Loan, the deed or certificate of sale shall be issued to the Trust, or if required under applicable law, to the Trustee, or to its nominee, on behalf of the Trust. The Servicer shall, to the extent provided in the Servicing Agreement, sell any REO Property as expeditiously as possible (and in no event later than three years after acquisition) and in accordance with the provisions of this Agreement and the Servicing Agreement, as applicable. Pursuant to its efforts to sell such REO Property, the Servicer shall protect and conserve such REO Property in the manner and to the extent required by the Servicing Agreement, in accordance with the REMIC Provisions and in a manner that does not result in a tax on “net income from foreclosure property” or cause such REO Property to fail to qualify as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code.

(b)

The Servicer shall, to the extent required by the Servicing Agreement, deposit all funds collected and received in connection with the operation of any REO Property in the Servicing Account.

(c)

To the extent provided in the Servicing Agreement, the Liquidation Proceeds from the final disposition of the REO Property, net of any payment to the Servicer as provided above shall be deposited in the Servicing Account on or prior to the applicable Determination Date in the month following receipt thereof and be remitted by wire transfer in immediately available funds to the Trustee for deposit into the Distribution Account on the next succeeding Servicer Remittance Date.

SECTION 3.05. Reports Filed with Securities and Exchange Commission.

(a)

Within 10 days after each Distribution Date, the Trustee shall, in accordance with industry standards, file with the Commission via the Electronic Data Gathering and Retrieval System (“XXXXX”), a Form 8-K and shall furnish a copy of the statement to the Certificateholders for such Distribution Date as an exhibit thereto. Prior to January 30, 2006, the Trustee shall, in accordance with industry standards, file a Form 15 Suspension Notice with respect to the Trust, if applicable. On or before (i) March 15, 2006, or such earlier date as such filing may be required under the rules of the Commission, and (ii) unless and until a Form 15 Suspension Notice shall have been filed, February 27 of each year thereafter, or such earlier date as such filing may be required under the rules of the Commission, the Servicer will provide the Depositor with a servicer’s back-up certification pursuant to the Countrywide Purchase Agreement, together with a copy of the annual independent accountant’s servicing report and annual statement of compliance of the Servicer, in each case, required to be delivered pursuant to the Servicing Agreement. Prior to (i) March 31, 2006 and (ii) unless and until a Form 15 Suspension Notice shall have been filed, March 31 of each year thereafter, the Trustee shall file a Form 10-K, in substance conforming to industry standards, with respect to the Trust. Such Form 10-K shall include any other documentation provided by the Servicer pursuant to the Servicing Agreement which is required to be filed with such Form 10-K, to the extent they have been timely delivered to the Trustee and the Depositor; provided that, with respect to the accountant’s report attached as an exhibit to such Form 10-K, the Trustee shall have no obligation to undertake any independent analysis of such accountant’s report. Notwithstanding any term to the contrary, an appropriate officer of the Depositor shall be responsible for signing, and shall sign, any such Form 10-K and the related Depositor Certification that may be required to be filed with the Commission in connection therewith. The Trustee shall prepare such Form 10-K and provide the Depositor with such Form 10-K not later than March 20^th of the applicable year. Following its receipt thereof, the Depositor shall execute such Form 10-K and all related certifications and provide the original of such Form 10-K and all related certifications to the Trustee not later than March 25^th of that year (or if March 25^th is not a Business Day, then the next succeeding Business Day); provided, however, that if the filing of such Form 10-K shall be required to occur on a date earlier than March 30^th of the applicable year as may be required by the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and Rules and Regulations of the Commission, then the time periods for preparation and execution of such Form 10-K set forth in this section shall be adjusted accordingly. The Depositor agrees to promptly furnish to the Trustee, from time to time upon request, such further information, reports and financial statements within its control related to this Agreement and the Mortgage Loans as the Trustee reasonably deems appropriate to prepare and file all necessary reports with the Commission. The Trustee shall have no liability with respect to any failure to properly prepare or file such periodic reports resulting from or relating to the Trustee’s inability or failure to obtain any information not resulting from the Trustee’s own negligence or willful misconduct. The Depositor hereby grants to the Trustee a limited power of attorney to execute and file the Form 15 Suspension Notice and each Form 8-K on behalf of the Depositor; provided that the Trustee shall have no responsibility to execute any Form 10-K described herein or to execute any Depositor Certification (or other documents other than a Form 15 Suspension Notice or Form 8-K) described herein, or to file any items other than those specified in this Section 3.05; provided, however, the Trustee will cooperate with the Depositor in connection with any additional filings with respect to the Trust as the Depositor deems necessary under the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Such power of attorney shall continue until the earlier of either (i) receipt by the Trustee from the Depositor of written termination of such power of attorney or (ii) the termination of the Trust. Copies of all reports filed by the Trustee under the Exchange Act shall be sent to the Depositor. Fees and expenses incurred by the Trustee in connection with this Section 3.05 shall not be reimbursable from the Trust.

(b)

Not later than the date on which the Form 10-K is required to be filed by the Trustee pursuant to Section 3.05(a) in accordance with the Exchange Act and the rules and regulations of the Commission (or, if such day is not a Business Day, the immediately preceding Business Day), the Trustee shall sign the Trustee Certification for the benefit of the Depositor and its officers, directors and affiliates.

SECTION 3.06. UCC.

The Trustee agrees to file continuation statements for any Uniform Commercial Code financing statements which the Depositor has informed the Trustee in writing were filed on the Closing Date in connection with the Trust, provided that the Trustee receives the related filing information on a timely basis. The Depositor shall file any financing statements or amendments thereto required by any change in the Uniform Commercial Code.

SECTION 3.07. Indemnification by the Trustee.

The Trustee agrees to indemnify the Depositor, its officers, directors, agents and employees for, and to hold them harmless against, any loss, liability or expense (except as otherwise provided herein with respect to expenses) (including reasonable legal fees and disbursements of counsel) incurred on their part (i) in connection with, arising out of, or relating to the Trustee’s failure to file a Form 8-K or Form 10-K in accordance with Section 3.05, (ii) by reason of the Trustee’s willful misfeasance, bad faith or negligence in the performance of such obligations pursuant to Section 3.05, (iii) by reason of the Trustee’s reckless disregard of such obligations pursuant to Section 3.05 or (iv) any material misstatement or omission made in the Trustee Certification; provided, in each case, that with respect to any such claim or legal action (or pending or threatened claim or legal action), such indemnified Person shall have given the Trustee written notice thereof promptly after such indemnified Person shall have with respect to such claim or legal action knowledge thereof; provide, however, that such agreement by the Trustee to indemnify and hold harmless such Person shall not include or apply to any such loss, liability or expense arising from, caused by or resulting from the actions or omissions of any Person other than the Trustee, including without limitation the negligence, willful misfeasance, bad faith or reckless disregard of duties or obligations under or pursuant to this Agreement, the Servicing Agreement or other applicable agreement by the Depositor or the Servicer, including without limitation any erroneous, inaccurate or incomplete information or certification provided to the Trustee by the Depositor or the Servicer in connection with, or any failure or delay on the part of the Depositor or the Servicer to provide any information or certification necessary to, the Trustee’s performance under Section 3.05. If the indemnification provided for in this Section 3.07 is unavailable or insufficient to hold harmless such indemnified Persons, then the Trustee shall contribute to the amount paid or payable by such indemnified Persons as a result of the losses, claims, damages or liabilities of such indemnified Persons in such proportion as is appropriate to reflect the relative fault of the Depositor on the one hand and the Trustee on the other. This indemnity shall survive the resignation or removal of the Trustee and the termination of this Agreement.

ARTICLE IV

ACCOUNTS

SECTION 4.01. Servicing Accounts

(a)

The Servicer will establish and maintain one or more custodial accounts (the “Servicing Accounts”) in accordance with the Servicing Agreement, with records to be kept with respect thereto on a Mortgage Loan by Mortgage Loan basis, into which accounts shall be deposited within 48 hours (or as of such other time specified in the Servicing Agreement) of receipt all collections of principal and interest on any Mortgage Loan and with respect to any REO Property received by the Servicer, including Principal Prepayments, Insurance Proceeds, Liquidation Proceeds, Recoveries and advances made from the Servicer’s own funds (less, in the case of the Servicer, the Servicing compensation, in whatever form and amounts as permitted by the Servicing Agreement) and all other amounts to be deposited in the Servicing Account. The Servicer is hereby authorized to make withdrawals from and deposits to the Servicing Account for purposes required or permitted by this Agreement and the Servicing Agreement. For the purposes of this Agreement, Servicing Accounts shall also include such other accounts as the Servicer maintains for the escrow of certain payments, such as taxes and insurance, with respect to certain Mortgaged Properties. The Servicing Agreement sets forth the criteria for the segregation, maintenance and investment of each related Servicing Account, the contents of which are acceptable to the parties hereto as of the date hereof and changes to which shall not be made unless such changes are made in accordance with the provisions of Section 12.01 hereof.

(b)

[Reserved];

(c)

To the extent provided in the Servicing Agreement and subject to this Article IV, on or before each Servicer Remittance Date, the Servicer shall withdraw or shall cause to be withdrawn from the related Servicing Account and shall immediately remit or cause to be remitted to the Trustee for deposit into the Distribution Account, amounts representing the following collections and payments (other than with respect to principal of or interest on the Mortgage Loans due on or before the Cut-off Date) with respect to each of the Mortgage Loans it is servicing:

(i)

Monthly Payments on the Mortgage Loans received or any related portion thereof advanced by the Servicer pursuant to the Servicing Agreement which were due on or before the related Due Date, net of the amount thereof comprising the Servicing Fees and Lender-Paid Mortgage Insurance Fees, if any;

(ii)

Principal Prepayments in full and any Liquidation Proceeds received by the Servicer with respect to such Mortgage Loans in the related Prepayment Period, with interest to the date of prepayment or liquidation, net of the amount thereof comprising the Servicing Fees;

(iii)

Principal Prepayments in part received by the Servicer for such Mortgage Loans in the related Prepayment Period;

(iv)

Recoveries received by the Servicer with respect to such Mortgage Loans; and

(v)

any amount to be used as a delinquency advance or to pay any Interest Shortfalls, in each case, as required to be paid under the Servicing Agreement.

(d)

Withdrawals may be made from a Servicing Account only to make remittances as provided in Section 4.01(c), to reimburse the Servicer for advances which have been recovered by subsequent collection from the related Mortgagor, to remove amounts deposited in error, to remove fees, charges or other such amounts deposited on a temporary basis, or to clear and terminate the account at the termination of this Agreement in accordance with Section 10.01. As provided in Section 4.01(c), certain amounts otherwise due to the Servicer may be retained by them and need not be remitted to the Trustee.

SECTION 4.02. Distribution Account.

(a)

The Trustee shall establish and maintain an account, for the benefit of the Certificateholders, as a segregated account which shall be an Eligible Account (the “Distribution Account”). The Trustee shall, promptly upon receipt from the Servicer on the Servicer Remittance Date, deposit into the Distribution Account and retain on deposit until the related Distribution Date, the following amounts:

(i)

any amounts withdrawn from a Servicing Account pursuant to Section 4.01(c);

(ii)

any amounts required to be deposited by the Trustee with respect to the Mortgage Loans pursuant to this Agreement;

(iii)

the Purchase Price with respect to any Mortgage Loans purchased by the Seller or the Originator under this Agreement or the Purchase Agreement, as applicable, any Substitution Adjustments pursuant to Section 2.03 of this Agreement and all proceeds of any Mortgage Loans or property acquired with respect thereto repurchased by the Servicer pursuant to Section 10.01 and the Servicing Agreement;

(iv)

any amounts required to be deposited by the Trustee with respect to losses on investments of deposits in the Distribution Account;

(v)

any amounts on deposit in the Class 2-A-1C Policy Account received in accordance with the Certificate Insurance Policy; and

(vi)

any other amounts so required to be deposited in the Distribution Account pursuant to this Agreement.

(b)

All amounts deposited to the Distribution Account shall be held by the Trustee in trust for the benefit of the Certificateholders in accordance with the terms and provisions of this Agreement. The requirements for crediting the Distribution Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of (i) late payment charges or assumption fees, tax service fees, statement account charges or payoff charges, substitution, satisfaction, release and other like fees and charges and (ii) the items enumerated in Subsections 4.03(a)(i), (ii), (iii), (iv), (vi), (vii), (x) and (xi) with respect to the Servicer, need not be remitted by the Servicer to the Trustee. In the event that the Servicer has remitted to the Trustee any amount not required to be credited to the Distribution Account, the Servicer may at any time, by delivery of a written request signed by a Servicing Officer of the deposited in error, direct the Trustee to withdraw such amount from the Distribution Account for repayment to the Servicer. In the event that the Trustee has deposited to the Distribution Account any amount not required to be credited thereto, it may at any time, withdraw such amount from the Distribution Account.

(c)

Funds in the Distribution Account shall, if invested, be invested by in Permitted Investments; provided, however, that the Trustee shall be under no obligation or duty to invest (or otherwise pay interest on) amounts held in the Distribution Account. All Permitted Investments shall mature or be subject to redemption or withdrawal no later than one Business Day prior to the next succeeding Distribution Date (except that if such Permitted Investment is an obligation of the Trustee, then such Permitted Investment shall mature not later than such applicable Distribution Date). Any and all investment earnings from any such Permitted Investment shall be for the benefit of the Trustee and shall be subject to its withdrawal or order from time to time, and shall not be part of the Trust Fund. The risk of loss of moneys required to be distributed to the Certificateholders resulting from such investments shall be borne by and be the risk of the Trustee. The Trustee shall deposit the amount of any such loss in the Distribution Account immediately as realized, but in no event later than the related Distribution Date.

SECTION 4.03. Permitted Withdrawals and Transfers from the Distribution Account.

(a)

The Trustee shall, from time to time, withdraw or transfer funds from the Distribution Account to the Servicer or to itself for the following purposes:

(i)

to reimburse the Servicer for any Advance of its own funds the right of the Servicer to reimbursement pursuant to this subclause (i) being limited to amounts received on a particular Mortgage Loan (including, for this purpose, the Purchase Price therefor, Insurance Proceeds and Liquidation Proceeds) which represent late payments or recoveries of the principal of or interest on such Mortgage Loan respecting which such Advance was made;

(ii)

to reimburse the Servicer from Insurance Proceeds or Liquidation Proceeds relating to a particular Mortgage Loan for amounts expended by the Servicer in good faith in connection with the restoration of the related Mortgaged Property which was damaged by an Uninsured Cause or in connection with the liquidation of such Mortgage Loan;

(iii)

to reimburse the Servicer from Insurance Proceeds relating to a particular Mortgage Loan for insured expenses incurred with respect to such Mortgage Loan and to reimburse the Servicer from Liquidation Proceeds from a particular Mortgage Loan for Liquidation Expenses incurred with respect to such Mortgage Loan;

(iv)

to pay the Servicer, as appropriate, from Liquidation Proceeds or Insurance Proceeds received in connection with the liquidation of any Mortgage Loan, the amount which the Servicer would have been entitled to receive under subclause (xii) of this Subsection 4.03(a) as servicing compensation on account of each defaulted scheduled payment on such Mortgage Loan if paid in a timely manner by the related Mortgagor;

(v)

to pay the Servicer from the Purchase Price for any Mortgage Loan, the amount which the Servicer would have been entitled to receive under subclause (xii) of this Subsection 4.03(a) as servicing compensation;

(vi)

to reimburse the Servicer for servicing related advances of funds, the right to reimbursement pursuant to this subclause being limited to amounts received on the related Mortgage Loan (including, for this purpose, the Purchase Price therefor, Insurance Proceeds and Liquidation Proceeds) which represent late recoveries of the payments for which such servicing advances were made;

(vii)

to reimburse the Servicer for any Advance after a Realized Loss has been allocated with respect to the related Mortgage Loan if the Advance has not been reimbursed pursuant to clauses (i) and (vi);

(viii)

to pay the Servicer its monthly Servicing Fee and any other servicing compensation payable pursuant to the Servicing Agreement;

(ix)

to pay the Trustee any investment income;

(x)

[reserved];

(xi)

to reimburse or pay the Servicer any such amounts as are due thereto under the Servicing Agreement and have not been retained by or paid to the Servicer, to the extent provided in the Servicing Agreement;

(xii)

to reimburse the Trustee for expenses, costs and liabilities incurred by or reimbursable to it pursuant to Sections 7.02(d), 8.05, 8.10 or 8.17 (including those related the BONY Custodial Agreement, to pay any fees, expenses or other amounts payable to the Bank of New York as Custodian);

(xiii)

to pay to the Certificate Insurer its Premium Amount; and

(xiv)

to remove amounts deposited in error; and

(xv)

to clear and terminate the Distribution Account pursuant to Section 10.01.

(b)

The Trustee shall keep and maintain separate accounting, for the purpose of accounting for any payments or reimbursements from the Distribution Account pursuant to subclauses (i) through (vii), inclusive and subclause (x) or with respect to any such amounts which would have been covered by such subclauses had the amounts not been retained by the Trustee without being deposited in the Distribution Account under Section 4.02(b).

(c)

On each Distribution Date, the Trustee shall withdraw funds on deposit in the Distribution Account to the extent of the aggregate Available Funds and distribute such funds to the Holders of the Certificates and any other parties entitled thereto, in accordance with Section 5.01.

SECTION 4.04. Yield Maintenance Account.

On or prior to the Closing Date, the Trustee shall cause to be established and maintained the Yield Maintenance Account, into which Yield Maintenance Payments received by the Trustee pursuant to the Yield Maintenance Agreements shall be deposited for the benefit of the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2 and Class Y Certificates. Amounts on deposit in the Yield Maintenance Account shall not be invested and shall not be held in an interest-bearing account.

The Trustee shall deposit all amounts received from the Yield Maintenance Provider under the Yield Maintenance Agreements into the Yield Maintenance Account immediately upon receipt. On each Distribution Date, the Trustee, shall withdraw from the Yield Maintenance Account (i) the Yield Maintenance Distributable Amount with respect to the Yield Maintenance Agreement related to (i) the Class 2-A-1A, Class 2-A-1B and Class 2-A-2 Certificates or (ii) the Class 2-A-1C Certificates, as applicable, then on deposit therein and distribute such amounts in respect of any Basis Risk Shortfalls for such Class on such Distribution Date, pro rata, based on amounts due and (ii) any amounts remaining on deposit therein after distributions made pursuant to (i) above, and distribute such amounts to the Class Y Certificates. Each of the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates will only receive payment from amounts received from the related Yield Maintenance Agreement.

For any Distribution Date on which there is a payment under the Yield Maintenance Agreements and such Yield Maintenance Payment exceeds the related Yield Maintenance Distributable Amount, the amount representing such excess payment shall not be an asset of the Trust Fund and, instead, shall be paid into and distributed out of a separate trust created by this Agreement for the benefit of the Class Y Certificates and shall be distributed to the Class Y Certificates pursuant to this Section 4.04. Under the Yield Maintenance Agreements and for each Distribution Date, the Class Y Certificates shall be entitled to a distribution equal to the sum of (i) such excess and (ii) the excess of the related Yield Maintenance Distributable Amount over the amount of unpaid Basis Risk Shortfalls with respect to the related Certificates.

To the extent that it constitutes a “reserve fund” for purposes of the REMIC Provisions, the Yield Maintenance Account established hereunder shall be an “outside reserve fund” as defined in Treasury Regulation 1.860G-2(h), and in that regard (i) such fund shall be an outside reserve fund and not an asset of any REMIC, (ii) such fund shall be owned for federal tax purposes by the Holder of the Class X Certificates, and the Holder of the Class X Certificates shall report all amounts of income, reduction, gain or loss accruing therefrom and (iii) amounts transferred by the REMIC to the fund shall be treated as distributed by the REMIC to the Holder of the Class X Certificates.

The Trustee shall terminate the Yield Maintenance Agreements upon the occurrence of an event of default or termination event under the Yield Maintenance Agreements of which a Responsible Officer of the Trustee has actual knowledge. In the event that a Yield Maintenance Agreement is canceled or otherwise terminated for any reason (other than the exhaustion of the interest rate protection provided thereby), the Trustee shall, at the direction of Certificateholders evidencing Voting Rights not less than 50% of the Certificates related to such Yield Maintenance Agreement, and to the extent a replacement contract is available (from a counterparty designated by the Depositor and acceptable to Certificateholders evidencing Voting Rights not less than 50% of the related Certificates), execute a replacement contract comparable to such Yield Maintenance Agreement providing interest rate protection which is equal to the then-existing protection provided by the Yield Maintenance Agreements as certified to the Trustee by the Depositor; provided, however, that the cost of any such replacement contract providing the same interest rate protection may be reduced to a level such that the cost of such replacement contract shall not exceed the amount of any early termination payment received from the Yield Maintenance Provider.

On any Distribution Date on or prior to the Distribution Date in October 2015, if the aggregate Class Certificate Principal Balance of the Certificates related to a Yield Maintenance Agreement equals zero (but not including the Distribution Date on which such aggregate Class Certificate Principal Balance is reduced to zero), all amounts received by the Trustee with respect to such Yield Maintenance Agreement shall be distributed directly to the Class Y Certificateholder. On the Distribution Date in October 2015 or upon the termination of the Trust, the Yield Maintenance Agreements shall be terminated.

SECTION 4.05. Certificate Insurance Policy.

(a)

On or prior to the Closing Date, the Trustee shall cause to be established and maintained the Class 2-A-1C Policy Account, into which amounts received by the Trustee pursuant to the Certificate Insurance Policy shall be deposited for the benefit of the Class 2-A-1C Certificates. Amounts on deposit in the Class 2-A-1C Policy Account shall not be invested and shall not be held in an interest-bearing account.

(b)

As soon as possible, and in no event later than 12:00 noon New York time on the second Business Day immediately preceding any Distribution Date, the Trustee shall furnish the Certificate Insurer and the Servicer with a completed Notice in the form set forth as Exhibit A to the Endorsement to the Certificate Insurance Policy in the event that the Available Funds (other than any amounts in respect of Insured Amounts) are insufficient to pay the Monthly Interest Distributable Amount (net of any Net Interest Shortfalls, Basis Risk Shortfalls or Net Deferred Interest) with respect to the Class 2-A-1C Certificateholders, as applicable, on such Distribution Date; provided, however, that if such Distribution Date is the Final Distribution Date, the Notice shall also include the outstanding Class Principal Balance of the Class 2-A-1C Certificates, after giving effect to all payments of principal on the Class 2-A-1C Certificates on such Final Distribution Date, other than pursuant to the Certificate Insurance Policy. The Notice shall specify the amount of Insured Amounts and shall constitute a claim for an Insured Amount pursuant to the Certificate Insurance Policy.

(c)

Upon receipt of an Insured Amount from the Certificate Insurer on behalf of the Holders of the Insured Certificates, the Trustee shall deposit such Insured Amount into the Class 2-A-1C Policy Account. All such amounts on deposit in the Class 2-A-1C Policy Account shall remain uninvested. On or prior to each Distribution Date, the Trustee shall transfer amounts on deposit in the Class 2-A-1C Policy Account to the Distribution Account and shall distribute such Insured Amounts pursuant to Section 5.01.

The Trustee shall include on each Distribution Date any Insured Amounts received by it from or on behalf of the Certificate Insurer for such Distribution Date (i) in the amount distributed to the Holders of the Insured Certificates pursuant to Section 5.01 and (ii) in the amount deemed to have been distributed to the Class 2-A-1C regular interest and deposited for its benefit into the Distribution Account. If on any Distribution Date the Trustee determines that the Certificate Insurer has paid more under the Certificate Insurance Policy than is required by the terms thereof, the Trustee shall promptly return the excess amount to the Certificate Insurer.

(d)

The Trustee shall (i) receive as attorney-in-fact of the Holders of the Insured Certificates any Insured Amount delivered to it by the Certificate Insurer for payment to such Holders and (ii) distribute such Insured Amount to such Holders as set forth in Section 5.01. Insured Amounts disbursed by the Trustee from proceeds of the Certificate Insurance Policy shall not be considered payment by the Trust Fund with respect to the Insured Certificates, nor shall such disbursement of Insured Amounts discharge the obligations of the Trust Fund with respect to the amounts thereof, and the Certificate Insurer shall become owner of such amounts to the extent covered by such Insured Amounts as the deemed assignee of such Holders. The Trustee hereby agrees on behalf of the Holders of the Insured Certificates (and each such Holder, by its acceptance of its Insured Certificates, hereby agrees) for the benefit of the Certificate Insurer that, to the extent the Certificate Insurer pays any Insured Amount, either directly or indirectly (as by paying through the Trustee), to the Holder of a Insured Certificate, the Certificate Insurer will be entitled to be subrogated to any rights of such Holder to receive the amounts for which such Insured Amount was paid, to the extent of such payment, and will be entitled to receive the Certificate Insurer Reimbursement Amount as set forth in Section 5.01.

(e)

At the end of the Term of the Policy (as defined in the Certificate Insurance Policy), the Trustee shall return the Certificate Insurance Policy to the Certificate Insurer for cancellation.

ARTICLE V

FLOW OF FUNDS

SECTION 5.01. Distributions.

(a)

(1)

On each Distribution Date and after making any withdrawals from the Distribution Account pursuant to Section 4.03(a), the Trustee shall withdraw funds on deposit in the Distribution Account to the extent of Available Funds for each Loan Group for such Distribution Date and, make the following disbursements and transfers as set forth below:

(i)

from the Available Funds in each Loan Group, to the Bank of New York, as a Custodian, any amounts due to it pursuant to Section 19 of the BONY Custodial Agreement; provided, however, that in no event may such amounts payable by the Trust exceed $100,000 per calendar year;

(ii)

the Available Funds for Loan Group 1 shall be distributed on each Distribution Date in the following order of priority:

(A)

to the Class A-R, Class 1-A and Class X Certificates, the related Interest Distributable Amounts for that date, pro rata (based on the Interest Distributable Amounts to which each such Class is entitled); provided, however, that for purposes of distributions for the Class X Certificates pursuant to this paragraph 5.01(a)(ii)(A), the Interest Distributable Amount for the Class X Certificates from Loan Group 1 will be determined by the Group 1 Class X Apportionment Rule; provided, further, that on each Distribution Date, the related Interest Distributable Amount (after giving effect to any reduction in respect of Net Deferred Interest allocated to the Class X Certificate on such Distribution Date) that would otherwise be distributable to the Class X Certificate shall be deposited in the Basis Risk Reserve Fund to the extent of the Required Reserve Fund Deposit and shall not be distributed to the Class X Certificate; and

(B)

an amount equal to the Senior Principal Distribution Amount for Loan Group 1 for that date, as follows:

first, to the Holder of Class A-R Certificate, until the Class Certificate Principal Balance of such Class is reduced to zero;

second, to the Class 1-A Certificates, until the Class Certificate Principal Balance of such Class is reduced to zero; and

third, to the PO-1 Component, until its Component Principal Balance is reduced to zero;

(iii)

the Available Funds for Loan Group 2 shall be distributed on each Distribution Date in the following order of priority:

(A)

to the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, 2-A-2 and Class X Certificates, the related Interest Distributable Amounts for that date, pro rata (based on the Interest Distributable Amounts to which each such Class is entitled); provided, however, that for purposes of distributions for the Class X Certificates pursuant to this paragraph 5.01(a)(iii)(A), the Interest Distributable Amount for the Class X Certificate from Loan Group 2 will be determined by the Group 2 Class X Apportionment Rule; provided, further, that on each Distribution Date, the related Interest Distributable Amount (after giving effect to any reduction in respect of Net Deferred Interest allocated to the Class X Certificate on such Distribution Date) that would otherwise be distributable to the Class X Certificate shall be deposited in the Basis Risk Reserve Fund to the extent of the Required Reserve Fund Deposit and shall not be distributed to the Class X Certificate; and

(B)

an amount equal to the Senior Principal Distribution Amount for Loan Group 2 for that date, as follows:

first, to the Holders of the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and 2-A-2 Certificates, pro rata based on Class Certificate Principal Balances, until the Class Certificate Principal Balances of such respective Classes are reduced to zero; and

second, to the PO-2 Component, until its Component Principal Balance is reduced to zero;

(iv)

from the Yield Maintenance Account, to the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, any related Yield Maintenance Distributable Amount for such Distribution Date in the order and priority set forth in Section 4.04 above;

(v)

from the Basis Risk Reserve Fund, to the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2 and Subordinate Certificates, any related Basis Risk Shortfall for such Distribution Date remaining after giving effect to the distributions specified in subsection (iv) above in the order and priority set forth in Section 5.07 below;

(vi)

the Available Funds for each Loan Group remaining after giving effect to the distributions specified in subsections (i), (ii), (iii), (iv) and (v) above will be distributed to the Certificate Insurer and the Certificateholders in the following order of priority:

(A)

to the Certificate Insurer, any Certificate Insurer Reimbursement Amounts due;

(B)

to the Class B-1 Certificates, the related Interest Distributable Amount for that date;

(C)

to the Class B-1 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Principal Balance of such Class is reduced to zero;

(D)

to the Class B-2 Certificates, the related Interest Distributable Amount for that date;

(E)

to the Class B-2 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Principal Balance of such Class is reduced to zero;

(F)

to the Class B-3 Certificates, the related Interest Distributable Amount for that date;

(G)

to the Class B-3 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Principal Balance of such Class is reduced to zero;

(H)

to the Class B-4 Certificates, the related Interest Distributable Amount for that date;

(I)

to the Class B-4 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Principal Balance of such Class is reduced to zero;

(J)

to the Class B-5 Certificates, the related Interest Distributable Amount for that date;

(K)

to the Class B-5 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Principal Balance of such Class is reduced to zero;

(L)

to the Class B-6 Certificates, the related Interest Distributable Amount for that date;

(M)

to the Class B-6 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Principal Balance of such Class is reduced to zero; and

(N)

to the Class A-R Certificate, any Available Funds then remaining.

(2)

With respect to any Distribution Date and Insured Amount, the Trustee shall make payments pursuant to Section 5.01(a)(1)(iii), with respect to the Class 2-A-1C Certificates, from the amount drawn under the Certificate Insurance Policy for such Distribution Date pursuant to Section 4.02. Funds received by the Trustee as a result of any claim under the Certificate Insurance Policy shall be applied solely to payments to the Class 2-A-1C Certificateholders and may not be applied to satisfy costs, expenses or liabilities of the Servicer, the Trustee or the Trust.

(b)

Amounts to be paid to the Holders of a Class of Certificates shall be payable with respect to all Certificates of that Class, pro rata, based on the Certificate Principal Balance or Certificate Notional Balance, as applicable, of each Certificate of that Class.

(c)

On each Distribution Date, the Monthly Interest Distributable Amounts for the Classes of Senior Certificates (other than the Class PO Certificates) and Subordinate Certificates on such Distribution Date shall be reduced proportionately, based on (A) in the case of the Senior Certificates (other than the Class PO Certificates and the Class X Certificates), the Monthly Interest Distributable Amount to which they would otherwise be entitled, (B) in the case of the Class X Certificates, the Monthly Interest Distributable Amount to which they would otherwise be entitled to receive from such Loan Group, based on the related Loan Group’s Class X Apportionment Rule and (C) in the case of the Subordinate Certificates, interest accrued at the related Pass-Through Rate on the related Apportioned Principal Balance of each such Class, by Net Interest Shortfalls with respect to the related Loan Group.

(d)

Notwithstanding the priority and allocation set forth in Section 5.01(a)(vi) above, if with respect to any Class of Subordinate Certificates on any Distribution Date the sum of the related Class Subordination Percentages of such Class and of all other Classes of Subordinate Certificates which have a higher numerical Class designation than such Class (the “Applicable Credit Support Percentage”) is less than the Original Applicable Credit Support Percentage for such Class, no distribution of Principal Prepayments will be made to any such Classes (the “Restricted Classes”) and the amount of such Principal Prepayment otherwise distributable to the Restricted Classes shall be distributed to any Classes of Subordinate Certificates having lower numerical Class designations than such Class, pro rata, based on the Class Certificate Principal Balances of the respective Classes immediately prior to such Distribution Date and shall be distributed in the sequential order provided in Section 5.01(a)(vi) above.

(e)

(i) Notwithstanding the priority and allocation set forth in Section 5.01(a)(vi), with respect to any Loan Group, on each Distribution Date prior to the Senior Credit Support Depletion Date but after the date on which the aggregate Class Certificate Principal Balance of each Class of the Senior Certificates and PO Components related to a Loan Group have been reduced to zero, 100% of the Principal Prepayments on the Mortgage Loans in that Loan Group otherwise distributable on each Class of Subordinate Certificates pursuant to Section 5.01(a)(vi), in reverse order of priority, shall be distributed as principal to the Senior Certificates related to each other Loan Group remaining outstanding in the amounts provided in the next succeeding sentence, provided that on such Distribution Date either clause (i) or (ii) in the definition of the Two Times Test has not been met. Such amount shall be allocated among the other Groups, pro rata based on aggregate Class Certificate Principal Balance of the related Senior Certificates, and paid to the Senior Certificates in such Group or Groups in the same priority as such Certificates would receive other distributions of principal pursuant to Section 5.01(a).

(ii)

(A)

On any Distribution Date on which the Senior Certificates and Principal-Only Component related to a Loan Group constitute an Undercollateralized Group, all amounts otherwise distributable as Available Funds on the Subordinate Certificates, in reverse order of priority (or, following the Senior Credit Support Depletion Date, such other amounts described in the immediately following sentence), will be distributed as principal to the Senior Certificates and Principal-Only Component of such Undercollateralized Group pursuant to Section 5.01(a) first, up to the sum of the Accrued Interest Amount and the Principal Deficiency Amount for the related Undercollateralized Group (such distribution, an “Undercollateralization Distribution”) and second, to pay to the Subordinate Certificates and the Class A-R Certificate in the same order and priority as provided in Section 5.01(a)(vi). In the event that the Senior Certificates and Principal-Only Component related to a Loan Group constitute an Undercollateralized Group on any Distribution Date following the Senior Credit Support Depletion Date, Undercollateralization Distributions will be made from any Available Funds for a Loan Group not related to an Undercollateralized Group remaining after all required amounts have been distributed to the related Class of Senior Certificates and Principal-Only Component. Undercollateralization Distributions will be applied first to pay accrued but unpaid interest, if any, and second to pay principal in the same priority and allocation provided in Section 5.01(a).

(B)

If on any Distribution Date there are two or more Undercollateralized Groups, the distribution described in paragraph (ii)(A) above will be made pro-rata based on the related Principal Deficiency Amount.

(f)

Distributions on Physical Certificates. The Trustee shall make distributions in respect of a Distribution Date to each Certificateholder of record on the related Record Date (other than as provided in Section 10.01 hereof respecting the final distribution), in the case of Certificateholders of the Physical Certificates, by check or money order mailed to such Certificateholder at the address appearing in the Certificate Register, or by wire transfer. Distributions among Certificateholders of a Class shall be made in proportion to the Percentage Interests evidenced by the Certificates of that Class held by such Certificateholders.

(g)

Distributions on Book-Entry Certificates. Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, which shall credit the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a “brokerage firm” or “indirect participating firm”) for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. All such credits and disbursements with respect to a Book-Entry Certificate are to be made by the Depository and the Depository Participants in accordance with the provisions of the Certificates. None of the Trustee, the Depositor or the Seller shall have any responsibility therefor.

SECTION 5.02. Allocation of Net Deferred Interest.

For any Distribution Date, the Net Deferred Interest on the Mortgage Loans will be allocated among the Classes of Certificates (or, with respect to the Class X Certificates, the PO Components) in proportion to the excess, if any, for each such Class of (i) the Monthly Interest Distributable Amount accrued at the Pass-Through Rate for such Class, over (ii) the amount of the Monthly Interest Distributable Amount for such Class calculated at the applicable Adjusted Cap Rate for such Class.

On each Distribution Date, any amount of Net Deferred Interest allocable to a Class of Certificates (other than the Class X Certificates) on such Distribution Date will be added as Principal to the outstanding Class Certificate Principal Balance of such Class of Certificates. With respect to the Class X Certificates and each Distribution Date, any amount of Net Deferred Interest added to the Principal Balances of the related Mortgage Loans that is allocated to the Class X Certificates on such Distribution Date will be added as principal to the outstanding Component Principal Balances of the PO-1 Component and the PO-2 Component based upon the amount of Deferred Interest attributable to the Mortgage Loans in the related Loan Group.

SECTION 5.03. Allocation of Realized Losses.

(a)

On or prior to each Distribution Date, the Trustee shall aggregate the loan-level information provided by the Servicer with respect to the total amount of Realized Losses with respect to the Mortgage Loans in each Loan Group for the related Distribution Date and include such information in the Distribution Date Statement.

(b)

On each Distribution Date, Realized Losses that occurred during the related prepayment period shall be allocated as follows:

first, to the Subordinate Certificates in reverse order of their respective numerical Class designations (beginning with the Class of Subordinate Certificates with the highest numerical Class designation) until the Class Certificate Principal Balance of each such Class is reduced to zero; and

second,

(A)

with respect to such losses related to Loan Group 1 Mortgage Loans, to the Class 1-A and Class A-R Certificates and PO-1 Component, pro rata, until the Class Certificate Principal Balance or Component Principal Balance of each such Class or Component is reduced to zero; provided, however, the Class 2-A-2 Certificates, after assuming losses related to the Loan Group 2 Mortgage Loans, will bear the principal portion of all realized losses allocable to the Class 1-A Certificates for so long as the Class 2-A-2 Certificates are outstanding; and

(B)

with respect to such losses related to Loan Group 2 Mortgage Loans, to the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates and PO-2 Component, pro rata, until the Class Certificate Principal Balance or Component Principal Balance of each such Class or Component is reduced to zero; provided, however, the Class 2-A-1B and Class 2-A-1C Certificates will bear the principal portion of all realized losses allocable to the Class 2-A-1A Certificates for so long as the Class 2-A-1B and Class 2-A-1C Certificates are outstanding.

(c)

The Class Certificate Principal Balance of the Class of Subordinate Certificates then outstanding with the highest numerical Class designation shall be reduced on each Distribution Date by the amount, if any, by which the aggregate of the Class Certificate Principal Balances of all outstanding Classes of Certificates (after giving effect to the distribution of principal and the allocation of Realized Losses on such Distribution Date) exceeds the aggregate of the Stated Principal Balances of all the Mortgage Loans for the following Distribution Date.

(d)

Any Realized Loss allocated to a Class of Certificates or any reduction in the Class Certificate Principal Balance of a Class of Certificates pursuant to Section 5.03(b) or (c) shall be allocated among the Certificates of such Class, pro rata, in proportion to their respective Certificate Principal Balances.

(e)

Any allocation of Realized Losses to a Certificate or any reduction in the Certificate Principal Balance of a Certificate pursuant to Section 5.03(b) or (c) shall be accomplished by reducing the Certificate Principal Balance thereof immediately following the distributions made on the related Distribution Date in accordance with the definition of “Certificate Principal Balance.”

SECTION 5.04. Statements.

(a)

On each Distribution Date, the Trustee shall make available to each Certificateholder, the Certificate Insurer, the Seller, and the Rating Agency, a statement based, as applicable, on loan-level information obtained from and the Servicer (the “Distribution Date Statement”) as to the distributions to be made or made, as applicable, on such Distribution Date:

(i)

the amount of the distribution made on such Distribution Date to the Holders of each Class of Certificates allocable to principal;

(ii)

the amount of the distribution made on such Distribution Date to the Holders of each Class of Certificates allocable to interest;

(iii)

the Senior Percentage, Senior Prepayment Percentage, Subordinate Percentage and Subordinate Prepayment Percentage with respect to each Loan Group for the following Distribution Date;

(iv)

the aggregate amount of servicing compensation received by the Servicer during the related Due Period and such other customary information as the Trustee deems necessary or desirable, or which a Certificateholder reasonably requests, to enable Certificateholders to prepare their tax returns;

(v)

the aggregate amount of Advances for the related Due Period and the amount of unreimbursed Advances;

(vi)

[reserved];

(vii)

the Loan Group Balance and related Net WAC and applicable Net WAC Cap for each Loan Group at the Close of Business at the end of the related Due Period;

(viii)

for each Loan Group, the aggregate Principal Balance of the One-Month MTA Indexed Mortgage Loans at the Close of Business at the end of the related Due Period;

(ix)

Reserved;

(x)

Reserved;

(xi)

for each Loan Group, the number, weighted average remaining term to maturity and weighted average Loan Rate of the related Mortgage Loans as of the related Due Date;

(xii)

the number and aggregate unpaid principal balance of Mortgage Loans, in the aggregate and for each Loan Group, (a) 30 to 59 days Delinquent, (b) 60 to 89 days Delinquent, (c) 90 or more days Delinquent, (d) as to which foreclosure proceedings have been commenced and (e) in bankruptcy, in each case as of the close of business on the last day of the preceding calendar month;

(xiii)

the book value of any REO Property as of the Close of Business on the last Business Day of the calendar month preceding the Distribution Date, and, cumulatively, the total number and cumulative principal balance of all REO Properties in each Loan Group as of the Close of Business of the last day of the preceding Due Period;

(xiv)

the aggregate amount of Principal Prepayments with respect to each Loan Group made during the related Prepayment Period;

(xv)

the aggregate amount of Realized Losses incurred during the related Due Period and the cumulative amount of Realized Losses and the amount of Realized Losses, if any, allocated to each Class of Certificates or Principal-Only Components;

(xvi)

the Class Certificate Principal Balance or Class Certificate Notional Balance, as applicable, of each Class of Certificates and the Apportioned Principal Balances of the Subordinate Certificates after giving effect to any distributions made thereon, on such Distribution Date;

(xvii)

the Interest Distributable Amount in respect of each Class of Certificates, for such Distribution Date and the respective portions thereof, if any, remaining unpaid following the distributions made in respect of such Certificates on such Distribution Date;

(xviii)

the aggregate amount of any Net Interest Shortfalls and the Unpaid Interest Shortfall Amount for such Distribution Date;

(xix)

the Available Funds with respect to each Loan Group;

(xx)

the Pass-Through Rate for each Class of Certificates for such Distribution Date;

(xxi)

the aggregate Principal Balance of Mortgage Loans purchased hereunder by the Seller during the related Due Period, and indicating the relevant section of the Servicing Agreement, or the Section of this Agreement, as applicable, requiring or allowing the purchase of each such Mortgage Loan;

(xxii)

the amount of any Principal Deficiency Amounts or Accrued Interest Amounts paid to an Undercollateralized Group or amounts paid pursuant to Section 5.01(e)(i);

(xxiii)

current Recoveries allocable to each Loan Group;

(xxiv)

cumulative Recoveries allocable to each Loan Group;

(xxv)

the amount of any Basis Risk Shortfall, if any, and the related accrued interest thereon;

(xxvi)

for each Loan Group, the amount of Deferred Interest and Net Deferred Interest, if any, for such Loan Group;

(xxvii)

payments made under the Yield Maintenance Agreements, if any;

(xxviii)

the amount of Net Deferred Interest, if any, added to the Class Certificate Principal Balance or Component Principal Balance of the related Certificates and Principal-Only Components; and

(xxix)

the amount of the Certificate Insurer Reimbursement Amount, if any; and

(xxx)

the Deficiency Amount, if any, to be paid by the Certificate Insurer.

The Trustee will make the Distribution Date Statement (and, at its option, any additional files containing the same information in an alternative format) available each month to Certificateholders and the other parties to this Agreement via the Trustee’s internet website. The Trustee’s internet website shall initially be located at “xxxxx://xxxxxxxxxxxxxxxxxxxxxx.xxxxxx.xxx.” Assistance in using the website can be obtained by calling the Trustee customer service desk at (000) 000-0000. Parties that are unable to use the above distribution option are entitled to have a paper copy mailed to them via first class mail by calling the customer service desk and indicating such. The Trustee shall have the right to change the way such reports are distributed in order to make such distribution more convenient and/or more accessible to the parties, and the Trustee shall provide timely and adequate notification to all parties regarding any such change.

In the case of information furnished pursuant to subclauses (i) and (ii) above, the amounts shall be expressed in a separate section of the report as a dollar amount for each Class for each $1,000 original dollar amount as of the Cut-Off Date.

(b)

Within a reasonable period of time after the end of each calendar year, the Trustee shall, upon written request, furnish to the Certificate Insurer and each Person who at any time during the calendar year was a Certificateholder of a Regular Certificate, if requested in writing by such Person, such information as is reasonably necessary to provide to such Person a statement containing the information set forth in subclauses (i) and (ii) above, aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be prepared and furnished by the Trustee to Certificateholders pursuant to any requirements of the Code as are in force from time to time.

(c)

On each Distribution Date, the Trustee shall supply an electronic tape to Bloomberg Financial Markets, Inc. in a format acceptable to Bloomberg Financial Markets, Inc. on a monthly basis, and shall supply an electronic tape to Loan Performance and Intex Solutions in a format acceptable to Loan Performance and Intex Solutions on a monthly basis.

SECTION 5.05. Remittance Reports; Advances.

(a)

No later than the 10^th calendar day of each month, the Servicer shall deliver to the Trustee by telecopy or electronic mail (or by such other means as the Servicer and the Trustee may agree from time to time) the Remittance Report with respect to the Distribution Date. No later than the Close of Business New York time on the fifth Business Day prior to such Distribution Date, the Servicer shall deliver or cause to be delivered to the Trustee in addition to the information provided on the Remittance Report, such other loan-level information reasonably available to it with respect to the Mortgage Loans as the Trustee may reasonably require to perform the calculations necessary to make the distributions contemplated by Section 5.01. The Trustee shall have no duty or obligation to calculate, recomputed or verify any information in the Remittance Report or other loan level information that it receives from the Servicer.

(b)

If the Monthly Payment on a Mortgage Loan that was due on a related Due Date and is delinquent, other than as a result of application of the Relief Act, and for which the Servicer was required to make an advance pursuant to the Servicing Agreement, exceeds the amount on deposit in the Distribution Account which will be used for an advance with respect to such Mortgage Loan, the Servicer shall, on the Business Day preceding the Distribution Date, deposit in the Distribution Account an amount equal to such deficiency, net of the Servicing Fee, for such Mortgage Loan except to the extent the Servicer determines any such Advance to be Nonrecoverable from Liquidation Proceeds, Insurance Proceeds or future payments on the Mortgage Loan for which such Advance was made. Subject to the foregoing, the Servicer shall continue to make such Advances through the date that the Servicer is required to do so under the Servicing Agreement. If the Servicer determines that an Advance is Nonrecoverable, it shall, on or prior to the related Distribution Date, present an Officer’s Certificate to the Trustee (i) stating that the Servicer elects not to make a Advance in a stated amount and (ii) detailing the reason it deems the advance to be Nonrecoverable.

SECTION 5.06. [Reserved]

SECTION 5.07. Basis Risk Reserve Fund.

(a)

On the Closing Date, the Trustee shall establish and maintain in its name, in trust for the benefit of the holders of the LIBOR Certificates, a Basis Risk Reserve Fund, into which the Depositor shall deposit $1,500,000.00, which amount is intended to cover the amount of Basis Risk Shortfalls, if any, on the first, second and third Distribution Dates. On the third Distribution Date after the Closing Date, any interest accrued on such initial deposit and any amounts remaining from such initial deposit will be distributed to the Seller.

The Basis Risk Reserve Fund shall be an Eligible Account, and funds on deposit therein shall be held separate and apart from, and shall not be commingled with, any other moneys, including, without limitation, other moneys of the Trustee held pursuant to this Agreement. The Basis Risk Reserve Fund shall not be an asset of any REMIC established hereby.

(b)

On each Distribution Date, Monthly Interest Distributable Amounts that would otherwise be distributable with respect to the Class X Certificates shall instead be deposited in the Basis Risk Reserve Fund to the extent of the Required Reserve Fund Deposit.

(c)

On any Distribution Date for which a Basis Risk Shortfall exists with respect to the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, the Trustee, shall withdraw first from the Yield Maintenance Account, the amount of such Basis Risk Shortfall for distribution on such Distribution Date pursuant to Section 4.04 and Section 5.01(a)(iv), and then from Basis Risk Reserve Fund the amount of any remaining Basis Risk Shortfall for such Classes of Certificates, pursuant to Section 5.01(a)(v). If on any Distribution Date the amount on deposit in the Basis Risk Reserve Fund is not sufficient to make a full distribution of the Basis Risk Shortfall with respect to the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, and in the case of the Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, remaining after application of funds available therefor in the Yield Maintenance Account, the Trustee shall withdraw the entire amount on deposit in the Basis Risk Reserve Fund and distribute such amount to such Classes of Certificates on a pro rata basis.

On any Distribution Date for which a Basis Risk Shortfall exists with respect to the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates, the Trustee, after making the distributions described in the immediately preceding paragraph to the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C and Class 2-A-2 Certificates, distribute the lesser of any amounts remaining on deposit in the Basis Risk Reserve Fund and such Basis Risk Shortfall to the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates, sequentially, in that order.

(d)

Funds in the Basis Risk Reserve Fund shall be invested in Permitted Investments. Any earnings on amounts in the Basis Risk Reserve Fund shall be for the benefit of the Class X Certificateholders. The Class X Certificates shall evidence ownership of the Basis Risk Reserve Fund for federal income tax purposes and the Holders thereof shall direct the Trustee, in writing, as to investment of amounts on deposit therein. The Class X Certificateholder(s) shall be liable for any losses incurred on such investments. In the absence of written instructions from the Class X Certificateholder as to investment of funds on deposit in the Basis Risk Reserve Fund, such funds shall be invested in money market funds as specified by the Depositor and as described in clause (vi) of the definition of Permitted Investments in Article I. For all Federal income tax purposes, amounts transferred by the Upper-Tier REMIC to the Basis Risk Reserve Fund shall be treated as amounts distributed by the Upper-Tier REMIC to the Class X Certificateholders.

(e)

Except as provided expressly hereunder, the Trustee shall have no obligation to invest and reinvest cash held in the Basis Risk Reserve Fund in the absence of timely and specific written investment direction from the Depositor. In no event shall the Trustee be liable for the selection of investments or for investment losses incurred thereon. The Trustee shall have no liability in respect of losses incurred as a result of the liquidation of any investment prior to its stated maturity or the failure of the Depositor to provide timely written investment direction.

(f)

The Trustee or its Affiliates are permitted to receive additional compensation that could be deemed to be in the Trustee’s economic self interest for (i) serving as investment advisor, administrator, shareholder servicing agent, custodian or sub-custodian with respect to certain Permitted Investments, (ii) using Affiliates to effect transactions in certain Permitted Investments and (iii) effecting transactions in certain Permitted Investments. The Trustee does not guarantee the performance of any Permitted Investment.

(g) Upon termination of the Trust Fund any amounts remaining in the Basis Risk Reserve Fund shall be distributed to the Class X Certificateholders.

SECTION 5.08. Recoveries.

(a)

With respect to any Class of Certificates or Principal-Only Component to which a Realized Loss has been allocated (including any such Class or Principal-Only Component for which the related Class Certificate Principal Balance or Component Principal Balance has been reduced to zero), the Class Certificate Principal Balance or Component Principal Balance of such Class or Component, as applicable, will be increased, up to the amount of related Recoveries for such Distribution Date as follows:

(i)

first, the Class Certificate Principal Balance of each Class of Senior Certificates or Component Principal Balance of the Principal-Only Component related to the Loan Group from which the Recovery was collected, will be increased pro rata, up to the amount by which Net Realized Losses previously allocated to each such Class or Component exceeds the amount of Recoveries for such Distribution Date previously distributed to such Class or Component, and

(ii)

second, the Class Certificate Principal Balance of each Class of Subordinate Certificates will be increased in order of seniority, up to the amount by which Net Realized Losses previously allocated to each such Class exceeds the amount of Recoveries for such Distribution Date previously distributed to such Class.

(b)

Any increase to the Class Certificate Principal Balance of a Class of Certificates or Component Principal Balance of a Principal-Only Component shall increase the Certificate Principal Balance of each Certificate of the related Class or the Component Principal Balance of each of the PO-1 Component and PO-2 Component pro rata in accordance with each Percentage Interest.

ARTICLE VI

THE CERTIFICATES

SECTION 6.01. The Certificates.

The Certificates shall be substantially in the form annexed hereto as Exhibit A-1 through E. Each of the Certificates shall, on original issue, be executed by the Trustee and authenticated and delivered by the Certificate Registrar upon the written order of the Depositor concurrently with the sale and assignment to the Trustee of the Trust Fund. Each Class of the Regular Certificates shall be initially evidenced by one or more Certificates representing a Percentage Interest with a minimum dollar denomination of $25,000 and integral dollar multiples of $1 in excess thereof, in the case of the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class B-1, Class B-2 and Class B-3 Certificates and $100,000 and integral dollar multiples of $1 in excess thereof, in the case of the Class X, Class B-4, Class B-5 and Class B-6 Certificates except that one Certificate of each of the Class B-4, Class B-5 and Class B-6 Certificates may be in a different denomination so that the sum of the denominations of all outstanding Certificates of such Class shall equal the Class Certificate Principal Balance of such Class on the Closing Date. The Class PO Certificates will be offered in minimum percentage interests of 0.01%. The Class A-R and Class Y Certificates are issuable only in a Percentage Interest of 100%.

The Certificates shall be executed on behalf of the Trust by manual or facsimile signature on behalf of the Trustee by a Responsible Officer. Certificates bearing the manual or facsimile signatures of individuals who were, at the time when such signatures were affixed, authorized to sign on behalf of the Trustee shall be binding, notwithstanding that such individuals or any of them have ceased to be so authorized prior to the authentication and delivery of such Certificates or did not hold such offices at the date of such Certificate. Each Certificate shall, on original issue, be authenticated by the Certificate Registrar upon the order of the Depositor. No Certificate shall be entitled to any benefit under this Agreement or be valid for any purpose, unless such Certificate shall have been manually authenticated by the Certificate Registrar substantially in the form provided for herein, and such authentication upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. At any time and from time to time after the execution and delivery of this Agreement, the Depositor may deliver Certificates executed by the Trustee to the Certificate Registrar for authentication and the Certificate Registrar shall authenticate and deliver such Certificates as provided in this Agreement and not otherwise. Subject to Section 6.02(c), the Senior Certificates (other than the Residual Certificate) and the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates shall be Book-Entry Certificates. The Residual Certificate and the Class Y Certificate shall be Physical Certificates.

The Private Certificates shall be offered and sold in reliance either on (i) the exemption from registration under Rule 144A of the 1933 Act and shall be issued initially in the form of one or more permanent global Certificates in definitive, fully registered form with the applicable legends set forth in Exhibit C (each, a “Restricted Global Security”) or (ii) Regulation S and shall be issued initially in the form of one or more permanent global Certificates in definitive, fully registered form without interest coupons with the applicable legends set forth in Exhibit C hereto added to the forms of such Certificates (each, a “Regulation S Global Security”), each of which shall be deposited on behalf of the subscribers for such Certificates represented thereby with the Trustee, as custodian for DTC and registered in the name of a nominee of DTC, duly executed by the Trustee and authenticated by the Certificate Registrar as hereinafter provided. The aggregate principal amounts of the Restricted Global Securities or Regulation S Global Securities, as applicable, may from time to time be increased or decreased by adjustments made on the records of the Certificate Registrar and DTC or its nominee, as the case may be, as hereinafter provided.

SECTION 6.02. Registration of Transfer and Exchange of Certificates.

(a)

The Certificate Registrar shall cause to be kept a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Certificate Registrar shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee is hereby appointed, and the Trustee hereby accepts its appointment as, initial Certificate Registrar, for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided.

Upon surrender for registration of transfer of any Certificate at the Corporate Trust Office of the Certificate Registrar maintained for such purpose pursuant to the foregoing paragraph, the Trustee on behalf of the Trust shall execute, and the Certificate Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of the same aggregate Percentage Interest.

At the option of the Certificateholders, Certificates may be exchanged for other Certificates in authorized denominations and the same aggregate Percentage Interests, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange, the Trustee shall execute on behalf of the Trust, and the Certificate Registrar shall authenticate and deliver the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for registration of transfer or exchange shall (if so required by the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer satisfactory to the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing.

(b)

Except as provided in paragraph (c) or (d) below, the Book-Entry Certificates shall at all times remain registered in the name of the Depository or its nominee and at all times: (i) registration of such Certificates may not be transferred by the Trustee or the Certificate Registrar except to another Depository; (ii) the Depository shall maintain book-entry records with respect to the Certificate Owners and with respect to ownership and transfers of such Certificates; (iii) ownership and transfers of registration of such Certificates on the books of the Depository shall be governed by applicable rules established by the Depository; (iv) the Depository may collect its usual and customary fees, charges and expenses from its Depository Participants; (v) the Certificate Registrar and the Trustee shall for all purposes deal with the Depository as representative of the Certificate Owners of the Certificates for purposes of exercising the rights of Holders under this Agreement, and requests and directions for and votes of such representative shall not be deemed to be inconsistent if they are made with respect to different Certificate Owners; (vi) the Trustee and the Certificate Registrar may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and Persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners; and (vii) the direct participants of the Depository shall have no rights under this Agreement under or with respect to any of the Certificates held on their behalf by the Depository, and the Depository may be treated by the Trustee, the Certificate Registrar and their respective agents, employees, officers and directors as the absolute owner of the Certificates for all purposes whatsoever.

All transfers by Certificate Owners of Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owners. Each Depository Participant shall only transfer Book-Entry Certificates of Certificate Owners that it represents or of brokerage firms for which it acts as agent in accordance with the Depository’s normal procedures. The parties hereto are hereby authorized to execute one or more Letter of Representations with the Depository or take such other action as may be necessary or desirable to register a Book-Entry Certificate to the Depository. In the event of any conflict between the terms of any such Letter of Representation and this Agreement, the terms of this Agreement shall control.

(c)

If (x) the Depository or the Depositor advises the Certificate Registrar in writing that the Depository is no longer willing or able to discharge properly its responsibilities as Depository and (y) the Certificate Registrar or the Depositor is unable to locate a qualified successor, upon surrender to the Certificate Registrar of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration, the Trustee shall at the Seller’s expense execute on behalf of the Trust and authenticate definitive, fully registered certificates (the “Definitive Certificates”). Neither the Depositor nor the Certificate Registrar shall be liable for any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates, the Trustee, the Certificate Registrar and the Depositor shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder.

(d)

No transfer, sale, pledge or other disposition of any Private Certificate, other than a Private Certificates sold in offshore transactions in reliance on Regulation S, shall be made unless such disposition is exempt from the registration requirements of the 1933 Act, and any applicable state securities laws or is made in accordance with the 1933 Act and laws. Any Private Certificates sold to an “accredited investor” under Rule 501(a)(1), (2), (3) or (7) under the 1933 Act shall be issued only in the form of one or more Definitive Certificates and the records of the Certificate Registrar and DTC or its nominee shall be adjusted to reflect the transfer of such Definitive Certificates. In the event of any transfer of any Private Certificate in the form of a Definitive Certificate, (i) the transferee shall certify (A) such transfer is made to a Qualified Institutional Buyer in reliance upon Rule 144A (as evidenced by an investment letter delivered to the Certificate Registrar, in substantially the form attached hereto as Exhibit J-2) under the 1933 Act, or (B) such transfer is made to an “accredited investor” under Rule 501(c)(1), (2), (3) or (7) under the 1933 Act (as evidenced by an investment letter delivered to the Certificate Registrar, in substantially the form attached hereto as Exhibit J-1, and, if so required by the Certificate Registrar and the Depositor, a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Certificate Registrar and the Depositor, delivered to the Certificate Registrar and the Depositor stating that such transfer may be made pursuant to an exemption, including a description of the applicable exemption and the basis therefor, from the 1933 Act or is being made pursuant to the 1933 Act, which Opinion of Counsel shall not be an expense of the Trust, the Trustee, the Certificate Registrar, or the Depositor) or (ii) the Certificate Registrar shall require the transferor to execute a transferor certificate and the transferee to execute an investment letter acceptable to and in form and substance reasonably satisfactory to the Depositor and the Certificate Registrar certifying to the Depositor and the Certificate Registrar the facts surrounding such transfer, which investment letter shall not be an expense of the Trust, the Trustee, the Certificate Registrar, or the Depositor. Each Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Certificate Registrar, the Seller and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

In the case of a Private Certificate that is a Book-Entry Certificate, for purposes of the preceding paragraph, the representations set forth in the investment letter in clause (i) shall be deemed to have been made to the Certificate Registrar by the transferee’s acceptance of such Private Certificate that is also a Book-Entry Certificate (or the acceptance by a Certificate Owner of the beneficial interest in such Certificate).

If any Certificate Owner that is required under this Section 6.02(d) to transfer its Class B-4, Class B-5 or Class B-6 Certificates that are Book-Entry Certificates in the form of Definitive Certificates, (i) notifies the Trustee of such transfer or exchange and (ii) transfers such Book-Entry Certificates to the Trustee, in its capacity as such, through the book-entry facilities of the Depository, then the Trustee shall decrease the balance of such Book-Entry Certificates, or the Trustee shall use reasonable efforts to cause the surrender to the Certificate Registrar of such Book-Entry Certificates by the Depository, and thereupon, the Trustee shall execute, authenticate and deliver to such Certificate Owner or its designee one or more Definitive Certificates in authorized denominations and with a like aggregate Certificate Principal Balance.

Subject to the provisions of this Section 6.02(d) governing registration of transfer and exchange Class B-4, Class B-5 or Class B-6 Certificates (i) held as Definitive Certificates may be transferred in the form of Book-Entry Certificates in reliance on Rule 144A under the 1933 Act to one or more Qualified Institutional Buyers that are acquiring such Definitive Certificates, their own accounts for or for the accounts of other Qualified Institutional Buyers and (ii) held as Definitive Certificates by a Qualified Institutional Buyer for its own account or for the account of another Qualified Institutional Buyer may be exchanged for Book-Entry Certificates, in each case upon surrender of such Certificates for registration of transfer or exchange at the offices of the Trustee maintained for such purpose. Whenever any such Certificates are so surrendered for transfer or exchange, either the Trustee shall increase the balance of the related Book-Entry Certificates or the Trustee shall execute, authenticate and deliver the Book-Entry Certificates for which such Certificates were transferred or exchanged, as necessary and appropriate. No Holder of any such Definitive Certificates other than a Qualified Institutional Buyer holding such Certificates for its own account or for the account of another Qualified Institutional Buyer may exchange such Certificates for Book-Entry Certificates. Further, any Certificate Owner of such Book-Entry Certificates other than any such Qualified Institutional Buyers shall notify the Trustee of its status as such and shall transfer such Book-Entry Certificate to the Trustee, through the book-entry facilities of the Depository, whereupon, and also upon surrender to the Trustee of such Book-Entry Certificates by the Depository, (which surrender the Trustee shall use reasonable efforts to cause to occur), the Trustee shall execute, authenticate and deliver to such Certificate Owner or such Certificate Owner’s nominee one or more Definitive Certificates in authorized denominations and with a like aggregate Certificate Principal Balance.

None of the Depositor, the Seller, the Certificate Registrar or the Trustee is obligated to register or qualify the Private Certificates under the 1933 Act or any other securities laws or to take any action not otherwise required under this Agreement to permit the transfer of such Certificates without registration or qualification. Any Certificateholder desiring to effect the transfer of a Private Certificate shall, and does hereby agree to, indemnify the Trustee, the Seller, the Depositor and the Certificate Registrar against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws.

No transfer of an ERISA-Restricted Certificate, other than the Class Y Certificate, in the form of a Definitive Certificate shall be made unless the Certificate Registrar shall have received either (i) a representation from the transferee of such Certificate, acceptable to and in form and substance satisfactory to the Certificate Registrar and the Depositor (such requirement is satisfied only by the Certificate Registrar’s receipt of a representation letter from the transferee substantially in the form of Exhibit I-1 or I-2, as applicable, hereto), to the effect that such transferee is not an employee benefit plan subject to Section 406 of ERISA or a plan or arrangement subject to Section 4975 of the Code, nor a person acting on behalf of any such plan or arrangement nor using the assets of any such plan or arrangement to effect such transfer or (ii) if an ERISA-Restricted Certificate, other than the Class Y Certificate, has been the subject of an ERISA-Qualifying Underwriting, and the purchaser is an insurance company, a representation that the purchaser is an insurance company which is purchasing such Certificate with funds contained in an “insurance company general account” (as such term is defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 (“PTCE 95-60”) and that the purchase and holding of such Certificates are covered under Sections I and III of PTCE 95-60 or (iii) in the case of an ERISA-Restricted Certificate, other than the Class Y Certificate, an Opinion of Counsel satisfactory to the Certificate Registrar, which Opinion of Counsel shall not be an expense of the Trustee, the Certificate Registrar, the Servicer, the Depositor or the Trust, addressed to the Certificate Registrar, to the effect that the purchase and holding of such ERISA-Restricted Certificate in the form of a Definitive Certificate will not result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee, the Certificate Registrar, the Servicer, or the Depositor to any obligation in addition to those expressly undertaken in this Agreement or to any liability. Notwithstanding anything else to the contrary herein, any purported transfer of an ERISA-Restricted Certificate, other than a Class Y Certificate, in the form of a Definitive Certificate to an employee benefit plan subject to ERISA or Section 4975 of the Code without the delivery to the Certificate Registrar of an Opinion of Counsel satisfactory to the Certificate Registrar as described above shall be void and of no effect. No transfer of a Class Y Certificate in the form of a Definitive Certificate shall be made to an employee benefit plan subject to ERISA or Section 4975 of the Code.

In the case of an ERISA-Restricted Certificate that is a Book-Entry Certificate, for purposes of clauses (i) or (ii) of the first sentence of the preceding paragraph, such representations shall be deemed to have been made to the Certificate Registrar by the transferee’s acceptance of such ERISA-Restricted Certificate that is also a Book-Entry Certificate (or the acceptance by a Certificate Owner of the beneficial interest in such Certificate).

None of the Trustee, the Certificate Registrar or the Depositor shall have any liability to any Person for any registration of transfer of any ERISA-Restricted Certificate that is in fact not permitted by this Section 6.02(d) so long as the transfer was registered by the Certificate Registrar in accordance with the foregoing requirements. In addition, none of the Trustee, the Certificate Registrar or the Depositor shall be required to monitor, determine or inquire as to compliance with the transfer restrictions with respect to any ERISA-Restricted Certificate in the form of a Book-Entry Certificate, and none of the Trustee, the Certificate Registrar or the Depositor shall have any liability for transfers of Book-Entry Certificates or any interests therein made in violation of the restrictions on transfer described in the Prospectus Supplement and this Agreement.

(e)

Each Person who has or who acquires any Ownership Interest in the Class A-R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably appointed the Depositor or its designee as its attorney-in-fact to negotiate the terms of any mandatory sale under clause (v) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale, and the rights of each Person acquiring any Ownership Interest in a Residual Certificate are expressly subject to the following provisions:

(i)

Each Person holding or acquiring any Ownership Interest in a Class A-R Certificate shall be a Permitted Transferee who acquires such Ownership Interest in a Class A-R Certificate for its own account and not in the capacity as trustee, nominee or agent for another Person and shall promptly notify the Certificate Registrar and the Trustee of any change or impending change in its status as such a Permitted Transferee.

(ii)

No Ownership Interest in the Class A-R Certificate may be registered on the Closing Date and no Ownership Interest in a Residual Certificate may thereafter be transferred, and the Certificate Registrar shall not register the Transfer of a Residual Certificate unless, in addition to the certificates required to be delivered under subsection (d) above, the Trustee and the Certificate Registrar shall have been furnished with an affidavit (“Transfer Affidavit”) of the initial owner of the Class A-R Certificate or proposed transferee of a Residual Certificate in the form attached hereto as Exhibit L.

(iii)

In connection with any proposed transfer of any Ownership Interest in a Residual Certificate, the Trustee and the Certificate Registrar shall as a condition to registration of the transfer, require delivery to them of a Transferor Certificate in the form of Exhibit K hereto from the proposed transferor to the effect that the transferor (a) has no knowledge the proposed Transferee is not a Permitted Transferee acquiring an Ownership Interest in such Class A-R Certificate for its own account and not in a capacity as trustee, nominee, or agent for another Person, and (b) has not undertaken the proposed transfer in whole or in part to impede the assessment or collection of tax.

(iv)

Any attempted or purported Transfer of any Ownership Interest in a Residual Certificate in violation of the provisions of this Section shall be absolutely null and void and shall vest no rights in the purported transferee. If any purported transferee shall, in violation of the provisions of this Section, become a Holder of such Residual Certificate, then the prior Holder of such Residual Certificate that is a Permitted Transferee shall, upon discovery that the registration of Transfer of such Residual Certificate was not in fact permitted by this Section, be restored to all rights as Holder thereof retroactive to the date of registration of transfer of such Residual Certificate. None of the Trustee, the Certificate Registrar or the Depositor shall have any liability to any Person for any registration of Transfer of a Residual Certificate that is in fact not permitted by this Section so long as the Trustee and the Certificate Registrar received the documents specified in clause (iii). The Certificate Registrar shall be entitled to recover from any Holder of such Residual Certificate that was in fact not a Permitted Transferee at the time such distributions were made all distributions made on such Residual Certificate. Any such distributions so recovered by the Certificate Registrar shall be distributed and delivered by the Certificate Registrar to the last Holder of such Residual Certificate that is a Permitted Transferee.

(v)

If any Person other than a Permitted Transferee acquires any Ownership Interest in a Residual Certificate in violation of the restrictions in this Section, then the Trustee shall have the right but not the obligation, without notice to the Holder of such Residual Certificate or any other Person having an Ownership Interest therein, to notify the Depositor to arrange for the sale of such Residual Certificate. The proceeds of such sale, net of commissions (which may include commissions payable to the Depositor or its affiliates in connection with such sale), expenses and taxes due, if any, will be remitted by the Certificate Registrar to the previous Holder of such Residual Certificate that is a Permitted Transferee, except that in the event that the Certificate Registrar determines that the Holder of such Residual Certificate may be liable for any amount due under this Section or any other provisions of this Agreement, the Certificate Registrar may withhold a corresponding amount from such remittance as security for such claim. The terms and conditions of any sale under this clause (v) shall be determined in the sole discretion of the Trustee and the Certificate Registrar and they shall not be liable to any Person having an Ownership Interest in such Residual Certificate as a result of its exercise of such discretion.

(vi)

If any Person other than a Permitted Transferee acquires any Ownership Interest in a Residual Certificate in violation of the restrictions in this Section, then the Trustee upon receipt of reasonable compensation will provide to the Internal Revenue Service, and to the persons specified in Sections 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e)(5) of the Code on transfers of residual interests to disqualified organizations.

The foregoing provisions of this Section shall cease to apply to transfers occurring on or after the date on which there shall have been delivered to the Certificate Registrar and the Servicer, in form and substance satisfactory to the Certificate Registrar, (i) written notification from the Rating Agency that the removal of the restrictions on Transfer set forth in this Section will not cause the Rating Agency to downgrade its ratings of the Certificates (determined in the case of the Insured Certificates, without giving effect to the Certificate Insurance Policy) and (ii) an Opinion of Counsel to the effect that such removal will not cause the REMIC created hereunder to fail to qualify as a REMIC.

(f)

Notwithstanding any provision to the contrary herein, so long as a Global Security representing the Notes remains outstanding and is held by or on behalf of the Depository, transfers of a Global Security representing the Notes, in whole or in part, shall only be made in accordance with Section 6.01 and this Section 6.02(f).

(i)

Subject to clauses (ii) and (iii) of this Section 6.02(f), transfers of a Global Security representing the Certificates shall be limited to transfers of such Global Security in whole, but not in part, to nominees of the Depository or to a successor of the Depository or such successor’s nominee.

(ii)

Restricted Global Security to Regulation S Global Security. If a holder of a beneficial interest in a Restricted Global Security deposited with or on behalf of the Depository wishes at any time to exchange its interest in such Restricted Global Security for an interest in a Regulation S Global Security, or to transfer its interest in such Restricted Global Security to a Person who wishes to take delivery thereof in the form of an interest in a Regulation S Global Security, such holder, provided such holder is not a U.S. Person, may, subject to the rules and procedures of the Depository, exchange or cause the exchange of such interest for an equivalent beneficial interest in the Regulation S Global Security. Upon receipt by the Trustee, as Certificate Registrar, of (A) instructions from the Depository directing the Trustee, as Certificate Registrar, to cause to be credited a beneficial interest in a Regulation S Global Security in an amount equal to the beneficial interest in such Restricted Global Security to be exchanged but not less than the minimum denomination applicable to such Certificateholders’ held through a Regulation S Global Security, (B) a written order given in accordance with the Depository’s procedures containing information regarding the participant account of the Depository and, in the case of a transfer pursuant to and in accordance with Regulation S, the Euroclear or Clearstream account to be credited with such increase and (C) a certificate in the form of Exhibit N-1 hereto given by the holder of such beneficial interest stating that the exchange or transfer of such interest has been made in compliance with the transfer restrictions applicable to the Global Securities, including that the holder is not a U.S. Person and pursuant to and in accordance with Regulation S, the Trustee, as Certificate Registrar, shall reduce the principal amount of the Restricted Global Security and increase the principal amount of the Regulation S Global Security by the aggregate principal amount of the beneficial interest in the Restricted Global Security to be exchanged, and shall instruct Euroclear or Clearstream, as applicable, concurrently with such reduction, to credit or cause to be credited to the account of the Person specified in such instructions a beneficial interest in the Regulation S Global Security equal to the reduction in the principal amount of the Restricted Global Security.

(iii)

Regulation S Global Security to Restricted Global Security. If a holder of a beneficial interest in a Regulation S Global Security deposited with or on behalf of the Depository wishes at any time to transfer its interest in such Regulation S Global Security to a Person who wishes to take delivery thereof in the form of an interest in a Restricted Global Security, such holder may, subject to the rules and procedures of the Depository, exchange or cause the exchange of such interest for an equivalent beneficial interest in a Restricted Global Security. Upon receipt by the Trustee, as Certificate Registrar, of (A) instructions from the Depository directing the Trustee, as Certificate Registrar, to cause to be credited a beneficial interest in a Restricted Global Security in an amount equal to the beneficial interest in such Regulation S Global Security to be exchanged but not less than the minimum denomination applicable to such Certificateholder’s Certificates held through a Restricted Global Security, to be exchanged, such instructions to contain information regarding the participant account with the Depository to be credited with such increase, and (B) a certificate in the form of Exhibit N-2 hereto given by the holder of such beneficial interest and stating, among other things, that the Person transferring such interest in such Regulation S Global Security reasonably believes that the Person acquiring such interest in a Restricted Global Security is a qualified institutional buyer within the meaning of Rule 144A, is obtaining such beneficial interest in a transaction meeting the requirements of Rule 144A and in accordance with any applicable securities laws of any State of the United States or any other jurisdiction, then the Trustee, as Certificate Registrar, will reduce the principal amount of the Regulation S Global Security and increase the principal amount of the Restricted Global Security by the aggregate principal amount of the beneficial interest in the Regulation S Global Security to be transferred and the Trustee, as Certificate Registrar, shall instruct the Depository, concurrently with such reduction, to credit or cause to be credited to the account of the Person specified in such instructions a beneficial interest in the Restricted Global Security equal to the reduction in the principal amount of the Regulation S Global Security.

(iv)

Other Exchanges. In the event that a Global Security is exchanged for Certificates in definitive registered form without interest coupons, such Certificates may be exchanged for one another only in accordance with such procedures as are substantially consistent with the provisions above (including certification requirements intended to insure that such transfers comply with Rule 144A or are to non-U.S. Persons, or otherwise comply with Regulation S under the Securities Act, as the case may be, and as may be from time to time adopted by the Depositor and the Trustee.

(v)

Restrictions on U.S. Transfers. Transfers of interests in the Regulation S Global Security to U.S. persons (as defined in Regulation S) shall be limited to transfers made pursuant to the provisions of Section 6.02(f)(iii).

(g)

No service charge shall be made for any registration of transfer or exchange of Certificates of any Class, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates.

All Certificates surrendered for registration of transfer or exchange shall be cancelled by the Certificate Registrar and disposed of pursuant to its standard procedures.

SECTION 6.03. Mutilated, Destroyed, Lost or Stolen Certificates.

If (i) any mutilated Certificate is surrendered to the Trustee or the Certificate Registrar or the Trustee or the Certificate Registrar receives evidence to its satisfaction of the destruction, loss or theft of any Certificate and (ii) there is delivered to the Trustee, the Depositor and the Certificate Registrar (and with respect to the Insured Certificates, the Certificate Insurer) such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee, the Depositor or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute on behalf of the Trust and the Certificate Registrar shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor and Percentage Interest. Upon the issuance of any new Certificate under this Section, the Trustee, the Depositor or the Certificate Registrar may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee, the Depositor and the Certificate Registrar) in connection therewith. Any duplicate Certificate issued pursuant to this Section, shall constitute complete and indefeasible evidence of ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time.

SECTION 6.04. Persons Deemed Owners.

The Depositor, the Trustee, the Certificate Registrar, the Certificate Insurer (with respect to the Insured Certificates) and any agent of the Depositor, the Trustee, the Certificate Registrar or the Certificate Insurer may treat the Person, including a Depository, in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 5.01 hereof and for all other purposes whatsoever, and none of the Trust, the Depositor, the Trustee, the Certificate Registrar, the Certificate Insurer or any agent of any of them shall be affected by notice to the contrary.

ARTICLE VII

DEFAULT

SECTION 7.01. Event of Default.

If an Event of Default described in a Servicing Agreement shall occur and be continuing, then, and in each and every such case, so long as an Event of Default shall not have been remedied within the applicable grace period, the Trustee may, and at the written direction of the Holders of Certificates evidencing Voting Rights aggregating not less than 51%, shall, by notice then given in writing to the Servicer, terminate all of the rights and obligations of the Servicer as servicer under this Agreement. Any such notice to the Servicer shall also be given to the Rating Agency, the Depositor, the Certificate Insurer and the Seller. The Trustee, upon a Responsible Officer having actual knowledge of such default, shall deliver a written notice to the Servicer of the Event of Default on any Servicer Remittance Date on which the Servicer fails to make any deposit or payment required pursuant to the Servicing Agreement (including but not limited to Advances to the extent required pursuant to the Servicing Agreement). Pursuant to the Servicing Agreement, on or after the receipt by the Servicer (and by the Trustee if such notice is given by the Certificate Insurer or the Holders) of such written notice, all authority and power of the Servicer under the Servicing Agreement, with respect to the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee and the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of each Mortgage Loan and related documents or otherwise.

SECTION 7.02. Trustee to Act.

(a)

From and after the date the Servicer (and the Trustee, if notice is sent by the Certificate Insurer or the Holders) receives a notice of termination pursuant to Section 7.01, the Trustee immediately shall be the successor in all respects to the Servicer in its capacity as servicer under the Servicing Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Servicer by the terms and provisions hereof arising on and after its succession, including the immediate obligation to make Advances. As compensation therefor, the Trustee shall be entitled to such compensation as the Servicer would have been entitled to under the Servicing Agreement if no such notice of termination had been given. Notwithstanding the above, (i) if the Trustee is unwilling to act as successor Servicer or (ii) if the Trustee is legally unable so to act, the Trustee shall appoint or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, bank or other mortgage loan or home equity loan servicer having a net worth of not less than $15,000,000 as the successor to the Servicer under the Servicing Agreement in the assumption of all or any part of the responsibilities, duties or liabilities of the Servicer under the Servicing Agreement; provided, that the appointment of any such successor Servicer shall not result in the qualification, reduction or withdrawal of the ratings assigned to the Certificates by the Rating Agency as evidenced by a letter to such effect from the Rating Agency. Pending appointment of a successor to the Servicer under the Servicing Agreement, unless the Trustee is prohibited by law from so acting, the Trustee shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the successor shall be entitled to receive compensation out of payments on Mortgage Loans in an amount equal to the compensation which the Servicer would otherwise have received hereunder. Except with respect to the making of Advances the defaulting Servicer was required to make but did not make, the successor Servicer, including the Trustee in such capacity, shall not be liable for any acts or omissions of the predecessor Servicer or for any breach by such Servicer of any of its representations or warranties made by it in the Servicing Agreement or in any related document or agreement. The Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession.

(b)

Any successor, including the Trustee, to the Servicer under the Servicing Agreement shall during the term of its service as Servicer continue to service and administer the Mortgage Loans for the benefit of Certificateholders pursuant to the terms and conditions of the Servicing Agreement, and maintain in force a policy or policies of insurance covering errors and omissions in the performance of its obligations as Servicer under the Servicing Agreement.

(c)

Notwithstanding anything else herein to the contrary, in no event shall the Trustee be liable for any servicing fee or for any differential in the amount of the servicing fee paid hereunder and the amount necessary to induce any successor Servicer to act as successor Servicer under this Agreement and the transactions set forth or provided for herein.

(d)

The Trustee shall be entitled to be reimbursed by the Trust Fund (pursuant to Section 4.03(a)(xii)), in the event that the Servicer does not reimburse the Trustee under the Servicing Agreement, for all costs associated with the transfer of servicing from the predecessor Servicer, including, without limitation, any costs or expenses associated with the termination of the predecessor Servicer, the appointment of a successor servicer, the complete transfer of all servicing data and the completion, correction or manipulation of such servicing data as may be required by the Trustee or any successor servicer to correct any errors or insufficiencies in the servicing data or otherwise to enable the Trustee or successor servicer to service the Mortgage Loans property and effectively.

SECTION 7.03. Waiver of Event of Default.

The Majority Certificateholders may, on behalf of all Certificateholders, by notice in writing to the Trustee, direct the Trustee to waive any events permitting removal of the Servicer under this Agreement, provided, however, that the Majority Certificateholders may not waive an event that results in a failure to make any required distribution on a Certificate without the consent of the Holder of such Certificate. Upon any waiver of an Event of Default, such event 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 event or impair any right consequent thereto except to the extent expressly so waived. Notice of any such waiver shall be given by the Trustee to the Rating Agency and the Certificate Insurer.

SECTION 7.04. Notification to Certificateholders.

(a)

Upon any termination or appointment of a successor to the Servicer pursuant to this Article VII, the Trustee shall give prompt written notice thereof to the Certificate Insurer and the Certificateholders at their respective addresses appearing in the Certificate Register and to the Rating Agency.

(b)

No later than 60 days after the occurrence of any event which constitutes or which, with notice or a lapse of time or both, would constitute an Event of Default of which a Responsible Officer of the Trustee becomes aware of the occurrence of such an event, the Trustee shall transmit by mail to the Certificate Insurer and all Certificateholders notice of such occurrence unless such Event of Default shall have been waived or cured.

ARTICLE VIII

THE TRUSTEE

SECTION 8.01. Duties of the Trustee

The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. If an Event of Default has occurred (which has not been cured or waived) of which a Responsible Officer has actual knowledge, the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise, as a prudent man would exercise or use under the circumstances in the conduct of his own affairs.

The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee, which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement; provided, however, that the Trustee will not be responsible for the accuracy or content of any such resolutions, certificates, statements, opinions, reports, documents or other instruments. If any such instrument is found not to conform to the requirements of this Agreement in a material manner, the Trustee shall take such action as it deems appropriate to have the instrument corrected.

On each Distribution Date, the Trustee, shall make monthly distributions and the final distribution to the Certificateholders from funds in the Distribution Account as provided in Sections 5.01 and 10.01 herein.

No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that:

(i)

prior to the occurrence of an Event of Default, and after the curing of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee and conforming to the requirements of this Agreement;

(ii)

the Trustee shall not be liable for an error of judgment made in good faith by a Responsible Officer of the Trustee unless it shall be proved that the Trustee was negligent in ascertaining or investigating the facts related thereto;

(iii)

the Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the consent or at the direction of Holders of Certificates as provided herein relating to the time, method and place of conducting any remedy pursuant to this Agreement, or exercising or omitting to exercise any trust or power conferred upon the Trustee under this Agreement;

(iv)

the Trustee shall not be responsible for any act or omission of the Servicer, the Depositor, the Seller or the Custodian, or any successor Custodian; and

(v)

the Trustee shall not be charged with knowledge of any Event of Default unless a Responsible Officer of the Trustee at the Corporate Trust Office obtains actual knowledge of such failure or the Trustee receives written notice at the Corporate Trust Office of such Event of Default.

The Trustee shall not be required to expend or risk its own funds or otherwise incur financial or other liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, if there is reasonable ground for believing that the repayment of such funds or indemnity satisfactory to it against such risk or liability is not assured to it, and none of the provisions contained in this Agreement shall in any event require the Trustee to perform, or be responsible for the manner of performance of, any of the obligations of the Servicer under the Servicing Agreement, except during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Servicer in accordance with the terms of the Servicing Agreement.

SECTION 8.02. Certain Matters Affecting the Trustee

Except as otherwise provided in Section 8.01 hereof:

(i)

the Trustee may request and conclusively rely upon, and shall be fully protected in acting or refraining from acting upon, any resolution, Officers’ Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document reasonably believed by it to be genuine and to have been signed or presented by the proper party or parties, and the manner of obtaining consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe;

(ii)

the Trustee may consult with counsel and any advice of its counsel or any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such advice or Opinion of Counsel;

(iii)

the Trustee shall not be under any obligation to exercise any of the rights or powers vested in it by this Agreement, or to institute, conduct or defend any litigation hereunder or in relation hereto, at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity satisfactory to it against the costs, expenses and liabilities which may be incurred therein or thereby; the right of the Trustee to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and the Trustee shall not be answerable for other than its negligence or willful misconduct in the performance of any such act;

(iv)

the Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement;

(v)

prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, the Trustee shall be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or documents, unless requested in writing to do so by the Majority Certificateholder; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such cost, expense or liability as a condition to such proceeding.

(vi)

the Trustee shall not be accountable, shall have no liability and makes no representation as to any acts or omissions hereunder of the Servicer until such time as the Trustee may be required to act as the Servicer pursuant to Section 7.02 hereof and thereupon only for the acts or omissions of the Trustee as a successor Servicer;

(vii)

the Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents, nominees, attorneys or a custodian, and shall not be responsible for any willful misconduct or negligence on the part of any agent, nominee, attorney or custodian appointed by the Trustee in good faith; and

(viii)

the right of the Trustee to perform any discretionary act enumerated in this Agreement shall not be construed as a duty, and the Trustee shall not be answerable for other than its negligence or willful misconduct in the performance of such act.

SECTION 8.03. Trustee Not Liable for Certificates or Mortgage Loans.

The recitals contained herein and in the Certificates (other than the authentication and countersignature on the Certificates) shall be taken as the statements of the Seller, and the Trustee assumes no responsibility for the correctness of the same. The Trustee makes no representation or warranty as to the validity or sufficiency of this Agreement or of the Certificates (other than the signature and countersignature on the Certificates) or of any Mortgage Loan or related document or of MERS or the MERS System. The Trustee shall not at any time have any responsibility or liability for or with respect to the legality, validity and enforceability of any Yield Maintenance Agreement, the Certificate Insurance Policy, any Mortgage or any Mortgage Loan, or the perfection and priority of any Mortgage or the maintenance of any such perfection and priority, or for or with respect to the sufficiency of the Trust or the ability to generate the payments to be distributed to Certificateholders under this Agreement, including, without limitation: the existence, condition and ownership of any Mortgaged Property; the existence and enforceability of any hazard insurance thereon (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 7.02 hereof); the validity of the assignment of any Mortgage Loan to the Trustee or of any intervening assignment; the completeness of any Mortgage Loan; the performance or enforcement of any Mortgage Loan (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 7.02 hereof); the compliance by the Depositor or the Seller with any warranty or representation made under this Agreement or in any related document or the accuracy of any such warranty or representation prior to the Trustee’s receipt of notice or other discovery of any non-compliance therewith or any breach thereof; the acts or omissions of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 7.02 hereof, and then only for the acts or omissions of the Trustee as the successor Servicer), any Mortgagor; or any action by the Trustee taken at the instruction of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 7.02 hereof, and then only for the actions of the Trustee as the successor Servicer); provided, however, that the foregoing shall not relieve the Trustee of its obligation to perform its duties under this Agreement, including, without limitation, the Trustee’s duty to review the Mortgage Files, if so required pursuant to Section 2.01 of this Agreement.

SECTION 8.04. Trustee and Custodian May Own Certificates.

The Trustee, and the Custodian in their respective individual capacities, or in any capacity other than as Trustee, or Custodian, hereunder, may become the owner or pledgee of any Certificates with the same rights as they would have if they were not Trustee or Custodian, as applicable, and may otherwise deal with the parties hereto.

SECTION 8.05. Trustee’s Fees and Expenses.

The Trustee shall be compensated by the Trustee Fee as compensation for its services hereunder. In addition, the Trustee will be entitled to recover from the Distribution Account pursuant to Section 4.03(a) all reasonable out-of-pocket expenses, disbursements and advances, including without limitation, in connection with any filing that the Trustee is required to make under Section 3.06 hereof, any Event of Default, any breach of this Agreement or any claim or legal action (including any pending or threatened claim or legal action) incurred or made by the Trustee in the performance of its duties or the administration of the trusts hereunder (including, but not limited to, the performance of its duties under Section 2.03 hereof) or under any Yield Maintenance Agreement or the Certificate Insurance Policy (including the reasonable compensation, expenses and disbursements of its counsel) except any such expense, disbursement or advance as may arise from its negligence or intentional misconduct or which is specifically designated herein as the responsibility of the Depositor, the Seller, or the Certificateholders hereunder. If funds in the Distribution Account are insufficient therefor, the Trustee shall recover such expenses from future collections on the Mortgage Loans or as otherwise agreed by the Certificateholders. Such compensation and reimbursement obligation shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust.

SECTION 8.06. Eligibility Requirements for Trustee

The Trustee hereunder shall each at all times be an entity duly organized and validly existing under the laws of the United States of America or any state thereof, authorized under such laws to exercise corporate trust powers, and shall each have a combined capital and surplus of at least $50,000,000, a minimum long-term debt rating in the third highest rating category by the Rating Agency, a minimum short-term debt rating in the second highest rating category by the Rating Agency, and shall each be subject to supervision or examination by federal or state authority. If such entity publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section 8.06, the combined capital and surplus of such entity shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. The principal office of the Trustee (other than the initial Trustee) shall be in a state with respect to which an Opinion of Counsel has been delivered to such Trustee at the time such Trustee is appointed Trustee to the effect that the Trust will not be a taxable entity under the laws of such state. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section 8.06, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07 hereof.

SECTION 8.07. Resignation or Removal of Trustee

The Trustee (including the Trustee as Certificate Registrar) may at any time resign and be discharged from the trust hereby created by giving written notice thereof to the Trustee, the Depositor, the Seller, the Certificate Insurer and the Rating Agency. Upon receiving such notice of resignation of the Trustee, the Depositor shall promptly appoint a successor Trustee that meets the requirements in Section 8.06 by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor Trustee. If no successor Trustee shall have been so appointed and having accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor Trustee.

If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 8.06 hereof or if at any time the Trustee shall be legally unable to act, or shall be adjudged a bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor may remove the Trustee. If the Depositor removes the Trustee under the authority of the immediately preceding sentence, the Depositor shall promptly appoint a successor Trustee that meets the requirements of Section 8.06, by written instrument, in triplicate, one copy of which instrument shall be delivered to the Trustee so removed, and one copy to the successor Trustee and one copy to the Certificate Insurer.

The Majority Certificateholders may at any time remove the Trustee by written instrument or instruments delivered to the Depositor and the Trustee; the Depositor or the Trustee shall thereupon use its best efforts to appoint a successor Trustee in accordance with this Section.

Any resignation or removal of the Trustee and appointment of a successor Trustee pursuant to any of the provisions of this Section 8.07 shall not become effective until acceptance of appointment by the successor Trustee as provided in Section 8.08 hereof. As long as the Certificate Insurance Policy is in effect, the Trustee will send a written notice to the Certificate Insurer of any such resignation, removal or appointment.

SECTION 8.08. Successor Trustee

Any successor Trustee appointed as provided in Section 8.07 hereof shall execute, acknowledge and deliver to the Depositor and the Seller and to its predecessor Trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor Trustee shall become effective, and such successor Trustee without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with like effect as if originally named as Trustee. The Depositor, the Seller, and the predecessor Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor Trustee, as applicable, all such rights, powers, duties and obligations.

No successor Trustee shall accept appointment as provided in this Section 8.08 unless at the time of such acceptance such successor Trustee shall be eligible under the provisions of Section 8.06 hereof and the appointment of such successor Trustee shall not result in a downgrading of the Senior Certificates by the Rating Agency, as evidenced by a letter from the Rating Agency.

Upon acceptance of appointment by a successor Trustee as provided in this Section 8.08, the successor Trustee shall mail notice of such appointment hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register, to the Certificate Insurer and to the Rating Agency.

SECTION 8.09. Merger or Consolidation of Trustee

Any entity into which the Trustee may be merged or converted or with which it may be consolidated, or any entity resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any entity succeeding to all or substantially all of the business of the Trustee shall be the successor of the Trustee hereunder, provided such entity shall be eligible under the provisions of Section 8.06 and 8.08 hereof, 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.

SECTION 8.10. Appointment of Co-Trustee or Separate Trustee.

Notwithstanding any other provisions of this Agreement, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust or any Mortgaged Property may at the time be located, the Depositor and the Trustee acting jointly shall have the power, and the Trustee shall, and shall instruct the Depositor to, at the expense of the Trust Fund, execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of the Trust, and to vest in such Person or Persons, in such capacity and for the benefit of the Certificateholders, such title to the Trust, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Depositor and the Trustee may consider necessary or desirable. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor Trustee under Section 8.06 hereof, and no notice to Certificateholders of the appointment of any co-trustee or separate trustee shall be required under Section 8.08 hereof.

Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions:

(i)

all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee or co-trustee jointly (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Trustee joining in such act), except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust or any portion thereof in any such jurisdiction) shall be exercised and performed singly by such separate trustee or co-trustee, but solely at the direction of the Trustee;

(ii)

no trustee hereunder shall be held personally liable by reason of any act or omission of any other trustee hereunder; and

(iii)

the Depositor and the Trustee, acting jointly may at any time accept the resignation of or remove any separate trustee or co-trustee.

Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee and a copy thereof given to the Depositor.

Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor Trustee.

SECTION 8.11. Limitation of Liability.

The Certificates are executed by the Trustee, not in its individual capacity but solely as Trustee of the Trust, in the exercise of the powers and authority conferred and vested in it by this Agreement. Each of the undertakings and agreements made on the part of the Trustee in the Certificates is made and intended not as a personal undertaking or agreement by the Trustee but is made and intended for the purpose of binding only the Trust.

SECTION 8.12. Trustee May Enforce Claims Without Possession of Certificates.

(a)

All rights of action and claims under this Agreement or the Certificates may be prosecuted and enforced by the Trustee without the possession of any of the Certificates or the production thereof in any proceeding relating thereto, and such proceeding instituted by the Trustee shall be brought in its own name or in its capacity as Trustee for the benefit of all Holders of such Certificates, subject to the provisions of this Agreement. Any recovery of judgment shall, after provision for the payment of the reasonable compensation, expenses, disbursement and advances of the Trustee, its agents and counsel, be for the ratable benefit or the Certificateholders in respect of which such judgment has been recovered.

(b)

The Trustee shall afford the Seller, the Depositor and each Certificateholder upon reasonable notice during normal business hours at its Corporate Trust Office or other office designated by the Trustee, access to all records maintained by the Trustee in respect of its duties hereunder and access to officers of the Trustee responsible for performing such duties. Upon request, the Trustee shall furnish the Depositor and any requesting Certificateholder with its most recent audited financial statements. The Trustee shall cooperate fully with the Seller, the Depositor and such Certificateholder and shall, subject to the first sentence of this Section 8.12(b), make available to the Seller, the Depositor and such Certificateholder for review and copying such books, documents or records as may be requested with respect to the Trustee’s duties hereunder. The Seller, the Depositor and the Certificateholders shall not have any responsibility or liability for any action or failure to act by the Trustee and are not obligated to supervise the performance of the Trustee under this Agreement or otherwise.

SECTION 8.13. Suits for Enforcement.

In case an Event of Default or a default by the Depositor hereunder shall occur and be continuing, the Trustee may proceed to protect and enforce its rights and the rights of the Certificateholders under this Agreement, as the case may be, by a suit, action or proceeding in equity or at law or otherwise, whether for the specific performance of any covenant or agreement contained in this Agreement or in aid of the execution of any power granted in this Agreement or for the enforcement of any other legal, equitable or other remedy, as the Trustee, being advised by counsel, and subject to the foregoing, shall deem most effectual to protect and enforce any of the rights of the Trustee and the Certificateholders.

SECTION 8.14. Waiver of Bond Requirement.

The Trustee shall be relieved of, and each Certificateholder hereby waives, any requirement of any jurisdiction in which the Trust, or any part thereof, may be located that the Trustee post a bond or other surety with any court, agency or body whatsoever.

SECTION 8.15. Waiver of Inventory, Accounting and Appraisal Requirement.

The Trustee shall be relieved of, and each Certificateholder hereby waives, any requirement of any jurisdiction in which the Trust, or any part thereof, may be located that the Trustee file any inventory, accounting or appraisal of the Trust with any court, agency or body at any time or in any manner whatsoever.

SECTION 8.16. Appointment of Custodians.

The Trustee may, and at the direction of the Depositor shall, appoint one or more custodians to hold all or a portion of the related Mortgage Files as agent for the Trustee, by entering into a custodial agreement. The custodian may at any time be terminated and a substitute custodian appointed therefor by the Trustee. Subject to this Article VIII, the Trustee agrees to comply with the terms of each custodial agreement and to enforce the terms and provisions thereof against the custodian for the benefit of the Certificateholders having an interest in any Mortgage File held by such custodian. Each custodian shall be a depository institution or trust company subject to supervision by federal or state authority, shall have combined capital and surplus of at least $15,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. The initial custodian of the Mortgage Loans shall be The Bank of New York. The Bank of New York shall be compensated by the Trust Fund for its services as custodian.

SECTION 8.17. Indemnification

The Trustee and its respective directors, officers, employees and agents shall be entitled to indemnification from the Trust Fund incurred hereunder or under or with respect to any Certificate, the Custodial Agreement, the Servicing Agreement or under or pursuant to the Mortgage Loan Purchase Agreement, without negligence or willful misconduct on the Trustee’s part, arising out of, or in connection with, the acceptance or administration of the trusts created hereunder or in connection with the performance of the Trustee’s duties hereunder including the costs and expenses of defending themselves against any claim in connection with the exercise or performance of any of their powers or duties hereunder, provided that:

(i)

with respect to any such claim, the Trustee shall have given the Depositor written notice thereof promptly after the Trustee shall have knowledge thereof; and

(ii)

notwithstanding anything to the contrary in this Section 8.17, the Trust Fund shall not be liable for settlement of any such claim by the Trustee entered into without the prior consent of the Depositor, which consent shall not be unreasonably withheld.

The provisions of this Section 8.17 shall survive any termination of this Agreement and the resignation or removal of the Trustee and shall be construed to include, but not be limited to any loss, liability or expense under any environmental law.

ARTICLE IX

REMIC ADMINISTRATION

SECTION 9.01. REMIC Administration.

(a)

As set forth in the Preliminary Statement to this Agreement, the Trustee shall elect to treat each REMIC created hereby as a REMIC for federal tax purposes. The Trustee shall sign and file such elections on Form 1066 or other appropriate federal tax or information return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. The regular interests in each REMIC created hereunder and the related residual interest shall be as designated in the Preliminary Statement. Following the Closing Date, the Trustee shall apply to the Internal Revenue Service for an employer identification number for each REMIC created hereunder by means of a Form SS-4 or other acceptable method and shall file a Form 8811 with the Internal Revenue Service.

(b)

The Closing Date is hereby designated as the “Startup Day” of each REMIC created hereunder within the meaning of section 860G(a)(9) of the Code. The latest possible maturity date for purposes of Treasury Regulation 1.860G-1(a)(4) will be the Latest Possible Maturity Date.

(c)

Except as provided in subsection (d) of this Section 9.01, the Seller shall pay any and all tax related expenses (not including taxes) of each REMIC created hereunder, including but not limited to any professional fees or expenses related to audits or any administrative or judicial proceedings with respect to any such REMIC that involve the Internal Revenue Service or state tax authorities, but only to the extent that (i) such expenses are ordinary or routine expenses, including expenses of a routine audit but not expenses of litigation (except as described in (ii)); or (ii) such expenses or liabilities (including taxes and penalties) are attributable to the negligence or willful misconduct of the Trustee in fulfilling its respective duties hereunder (including the Trustee’s duties as tax return preparer).

(d)

The Trustee shall prepare and file, and the Trustee shall sign all of the federal and state tax and information returns of each REMIC created hereunder (collectively, the “Tax Returns”) as the direct representative. The expenses of preparing and filing such Tax Returns shall be borne by the Trustee. Notwithstanding the foregoing, the Trustee shall have no obligation to prepare, file or otherwise deal with partnership tax information or returns. In the event that partnership tax information or returns are required by the Internal Revenue Service, the Seller, at its own cost and expense, will prepare and file all necessary returns.

(e)

The Trustee shall perform on behalf of each REMIC created hereunder all reporting and other tax compliance duties that are the responsibility of each such REMIC under the Code, the REMIC Provisions or other compliance guidance issued by the Internal Revenue Service or any state or local taxing authority. Among its other duties, if required by the Code, the REMIC Provisions or other such guidance, the Trustee, shall provide (i) to the Treasury or other governmental authority such information as is necessary for the application of any tax relating to the transfer of the Class A-R Certificate to any disqualified organization and (ii) to the Certificateholders such information or reports as are required by the Code or REMIC Provisions.

(f)

The Trustee (to the extent that the affairs of the REMICs are within such Person’s control and the scope of its specific responsibilities under the Agreement) and the Holders of Certificates shall take any action or cause any REMIC created hereunder to take any action necessary to create or maintain the status of any REMIC created hereunder as a REMIC under the REMIC Provisions and shall assist each other as necessary to create or maintain such status. None of the Trustee, or the Holder a Residual Certificate shall take any action, cause any REMIC created hereunder 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 result in an Adverse REMIC Event unless the Trustee 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 result in an Adverse REMIC Event. In addition, prior to taking any action with respect to any REMIC created hereunder or the assets therein, or causing any such REMIC to take any action which is not expressly permitted under the terms of this Agreement, any Holder of the Class A-R Certificate will consult with the Trustee, or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any such REMIC, and no such Person shall take any such action or cause any REMIC created hereunder to take any such action as to which the Trustee has advised it in writing that an Adverse REMIC Event could occur.

(g)

Each Holder of the Class A-R Certificate shall pay when due any and all taxes imposed on any REMIC created hereunder by federal or state governmental authorities. To the extent that such Trust taxes are not paid by the Class A-R Certificateholder, the Trustee shall pay any remaining REMIC taxes out of current or future amounts otherwise distributable to the Holder of the Class A-R Certificate or, if no such amounts are available, out of other amounts held in the Distribution Account, and shall reduce amounts otherwise payable to holders of regular interests in such REMIC, as the case may be.

(h)

The Trustee shall, for federal income tax purposes, maintain books and records with respect to each REMIC created hereunder on a calendar year and on an accrual basis.

(i)

No additional contributions of assets shall be made to any REMIC created hereunder, except as expressly provided in this Agreement with respect to eligible substitute mortgage loans.

(j)

The Trustee, shall not enter into any arrangement by which REMIC created hereunder will receive a fee or other compensation for services.

(k)

The Trustee shall treat the Basis Risk Reserve Fund as an outside reserve fund within the meaning of Treasury Regulation Section 1.860G-2(h) that is owned by the holders of the Class X Certificates and that is not an asset of any REMIC. The Trustee shall treat the rights of the Holders of the Class X Certificates to receive distributions from the Basis Risk Reserve Fund to cover Basis Risk Shortfalls as payments under a cap contract written by the Holders of the Class X Certificates in favor of the Holders of the Class X Certificates. Thus, the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates shall be treated as representing not only ownership of regular interests in a REMIC, but also ownership of an interest in an interest rate cap contract. For purposes of determining the issue prices of the Certificates, the interest rate cap contracts shall be assumed to have a zero value unless and until required otherwise by an applicable taxing authority.

SECTION 9.02. Prohibited Transactions and Activities.

None of the Depositor, the Servicer or the Trustee shall sell, dispose of, or substitute for any of the Mortgage Loans, except in a disposition pursuant to (i) the foreclosure of a Mortgage Loan, (ii) the bankruptcy of the Trust Fund, (iii) the termination of the REMICs created hereunder pursuant to Article X of this Agreement, (iv) a substitution pursuant to Article II hereof or (v) a repurchase of Mortgage Loans as contemplated hereunder, nor acquire any assets for any REMIC created hereunder, nor sell or dispose of any investments in the Distribution Account for gain, nor accept any contributions to any REMIC created hereunder after the Closing Date, unless it has received an Opinion of Counsel (at the expense of the party causing such sale, disposition, or substitution) that such disposition, acquisition, substitution, or acceptance will not (a) affect adversely the status of any REMIC created hereunder as a REMIC or of the interests therein other than the Class A-R Certificate as the “residual interest” therein, (b) affect the distribution of interest or principal on the Certificates, (c) result in the encumbrance of the assets transferred or assigned to the Trust Fund (except pursuant to the provisions of this Agreement) or (d) cause any REMIC created hereunder to be subject to a tax on prohibited transactions or prohibited contributions pursuant to the REMIC Provisions.

ARTICLE X

TERMINATION

SECTION 10.01. Termination.

(a)

The respective obligations and responsibilities of the Seller, the Depositor, and the Trustee created hereby (other than the obligation of the Trustee to make certain payments to Certificateholders after the final Distribution Date and the obligation of the Servicer to send certain notices as hereinafter set forth) shall terminate upon the earliest of (i) the Distribution Date on which the Class Certificate Principal Balance of each Class of Certificates has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan, (iii) the optional purchase of the Mortgage Loans as described in the following paragraph and (iv) the Latest Possible Maturity Date. Notwithstanding the foregoing, in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Xxxxxx X. Xxxxxxx, the late ambassador of the United States to the Court of St. James’s, living on the date hereof.

The Servicer, as provided in the Countrywide Purchase Agreement, may, at its option, terminate this Agreement on any Distribution Date on which the aggregate of the Stated Principal Balances of the Mortgage Loans immediately after such date is equal to or less than 10% of the Cut-Off Date Aggregate Principal Balance (the “Call Option Date”), by purchasing, on such Distribution Date, all of the outstanding Mortgage Loans and REO Properties at a price equal to the sum of (i) the outstanding Stated Principal Balances of the Mortgage Loans (other than in respect of REO Properties), (ii) the lesser of (x) the appraised value of any REO Property as determined by the higher of two appraisals completed by two independent appraisers selected by the Depositor at the expense of the Depositor and (y) the Principal Balance of each Mortgage Loan related to any REO Property, (iii) in all cases, accrued and unpaid interest thereon at the applicable Loan Rate through the end of the Due Period preceding the final Distribution Date, (iv) any unreimbursed Servicing Advances and Advances and any unpaid Custodial Fees and Servicing Fees allocable to such Mortgage Loans and REO Properties, (v) all amounts, if any, then due and owing to the Trustee, under this Agreement and (vi) any Basis Risk Shortfalls remaining unpaid on the Call Option Date (the “Termination Price”).

No such purchase by the Servicer will be permitted without the consent of the Certificate Insurer if a draw on the Class 2-A-1C Policy will be made or if any amounts due to the Certificate Insurer would remain unreimbursed on the final Distribution Date.

(b)

Notice of any termination pursuant to the second paragraph of Section 10.01(a), specifying the Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Certificate Registrar for payment of the final distribution and cancellation, shall be given promptly by the Trustee upon the Trustee receiving notice of such date from the Servicer by letter to the Certificateholders mailed not earlier than the 10th day and not later than the 19th day of the month immediately preceding the month of such final distribution specifying (1) the Distribution Date upon which final distribution of the Certificates will be made upon presentation and surrender of such Certificates at the office or agency of the Certificate Registrar therein designated, (2) the amount of any such final distribution and (3) that the Record Date otherwise applicable to such Distribution Date is not applicable, distributions being made only upon presentation and surrender of the Certificates at the office or agency of the Certificate Registrar therein specified. The Trustee shall give such notice to the Certificate Insurer and the Certificate Registrar at the time such notice is given to Holders of the Certificates. Upon any such termination, the duties of the Certificate Registrar with respect to the Certificates shall terminate and the Trustee shall terminate the Distribution Account and any other account or fund maintained with respect to the Certificates, subject to the Trustee’s obligation hereunder to hold all amounts payable to Certificateholders in trust without interest pending such payment.

(c)

Upon presentation and surrender of the Certificates, the Trustee shall cause to be distributed to the Holders of the Certificates on the Distribution Date for such final distribution, in proportion to the Percentage Interests of their respective Class and to the extent that funds are available for such purpose, an amount equal to the amount required to be distributed to such Holders in accordance with the provisions of Section 5.01 hereof for such Distribution Date.

(d)

In the event that all Certificateholders shall not surrender their Certificates for final payment and cancellation on or before such final Distribution Date, the Trustee shall promptly following such date cause all funds in the Distribution Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate account for the benefit of such Certificateholders, and the Trustee shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within nine months after the second notice all the Certificates shall not have been surrendered for cancellation, the Servicer shall be entitled to all unclaimed funds and other assets which remain subject hereto, and the Trustee upon transfer of such funds shall be discharged of any responsibility for such funds, and the Certificateholders shall look to the Servicer for payment.

SECTION 10.02. Additional Termination Requirements.

(a)

In the event the purchase option provided in Section 10.01 is exercised, the Trust shall be terminated in accordance with the following additional requirements:

(i)

The Trustee shall sell any remaining assets of the Trust Fund for cash and, within 90 days of such sale, shall distribute to (or credit to the account of) the Certificateholders the proceeds of such sale together with any cash on hand (less amounts retained to meet claims) in complete liquidation of the Trust Fund and any REMIC created hereunder; and

(ii)

The Trustee shall attach a statement to the final federal income tax return for each REMIC created hereunder stating that pursuant to Treasury Regulation §1.860F-1, the first day of the 90-day liquidation period for such REMIC was the date on which the Trustee sold the assets of the Trust Fund and shall satisfy all requirements of a qualified liquidation under Section 860F of the Code and any regulations thereunder as evidenced by an Opinion of Counsel delivered to the Trustee and the Certificate Insurer obtained at the expense of the Seller.

(b)

By their acceptance of Certificates, the Holders thereof hereby agree to appoint the Trustee as their attorneys in fact to undertake the foregoing steps.

ARTICLE XI

[RESERVED]

ARTICLE XII

MISCELLANEOUS PROVISIONS

SECTION 12.01. Amendment.

This Agreement may be amended from time to time by the Seller, the Depositor, and the Trustee without the consent of the Certificateholders and, with respect to any amendment that adversely affects the interests of any of the Holders of the Insured Certificates, with the prior written consent of the Certificate Insurer, (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein which may be defective or inconsistent with any other provisions herein, (iii) to make any other provisions with respect to matters or questions arising under this Agreement, which shall not be inconsistent with the provisions of this Agreement, or (iv) to conform the terms hereof to the description thereof provided in the Prospectus; provided, however, that any such action listed in clause (i) through (iii) above shall be deemed not to adversely affect in any material respect the interests of any Certificateholder, if evidenced by (i) written notice to the Depositor, the Seller, and the Trustee from the Rating Agency that such action will not result in the reduction or withdrawal of the rating of any outstanding Class of Certificates with respect to which it is a Rating Agency or (ii) an Opinion of Counsel stating that such amendment shall not adversely affect in any material respect the interests of any Certificateholder, is permitted by the Agreement and all the conditions precedent, if any have been complied with, delivered to the Trustee.

In addition, this Agreement may be amended from time to time by Seller, the Depositor, and the Trustee with the consent of the Majority Certificateholders for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of Certificates; and subject, in the case of any amendment or modification to Section 5.01(a) hereof, to the consent of the Bank of New York, as Custodian; provided, however, that no such amendment or waiver shall (x) reduce in any manner the amount of, or delay the timing of, payments on the Certificates that are required to be made on any Certificate without the consent of the Holder of such Certificate, (y) adversely affect in any material respect the interests of the Holders of any Class of Certificates in a manner other than as described in clause (x) above, without the consent of the Holders of Certificates of such Class evidencing at least a 66^2/3% Percentage Interest in such Class, or (z) reduce the percentage of Voting Rights required by clause (y) above without the consent of the Holders of all Certificates of such Class then outstanding. Upon approval of an amendment, a copy of such amendment shall be sent to the Rating Agency.

Notwithstanding any provision of this Agreement to the contrary, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel, delivered by and at the expense of the Person seeking such Amendment (unless such Person is the Trustee, in which case the Trustee shall be entitled to be reimbursed for such expenses by the Trust pursuant to Section 8.05 hereof), to the effect that such amendment will not result in an Adverse REMIC Event and that the amendment is being made in accordance with the terms hereof, such amendment is permitted by this Agreement and all conditions precedent, if any, have been complied with.

Promptly after the execution of any such amendment the Trustee shall furnish, at the expense of the Person that requested the amendment if such Person is the Seller (but in no event at the expense of the Trustee), otherwise at the expense of the Trust, a copy of such amendment and the Opinion of Counsel referred to in the immediately preceding paragraph to the Servicer, the Certificate Insurer and the Rating Agency.

It shall not be necessary for the consent of Certificateholders under this Section 12.01 to approve the particular form of any proposed amendment; instead it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe.

The Trustee may, but shall not be obligated to, enter into any amendment pursuant to this 12.01 Section that affects its rights, duties and immunities under this Agreement or otherwise.

SECTION 12.02. Recordation of Agreement; Counterparts.

To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the Mortgaged Properties are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Trustee at the expense of the Trust, but only upon direction of Certificateholders accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders and the Certificate Insurer.

For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall together constitute but one and the same instrument.

SECTION 12.03. Limitation on Rights of Certificateholders.

The death or incapacity of any Certificateholder shall not (i) operate to terminate this Agreement or the Trust, (ii) entitle such Certificateholder’s legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust or (iii) otherwise affect the rights, obligations and liabilities of the parties hereto or any of them.

Except as expressly provided for herein, no Certificateholder shall have any right to vote or in any manner otherwise control the operation and management of the Trust, or the obligations of the parties hereto, nor shall anything herein set forth or contained in the terms of the Certificates be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof.

No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates entitled to at least 25% of the Voting Rights shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee for 15 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding. It is understood and intended, and expressly covenanted by each Certificateholder with every other Certificateholder, and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, which priority or preference is not otherwise provided for herein, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section 12.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity.

By accepting its Insured Certificate, each Holder of an Insured Certificate agrees that, unless a Certificate Insurer Default exists and is continuing, the Certificate Insurer shall have the right to exercise all rights of the Holders of the Insured Certificates under this Agreement (other than the right to receive distributions on the Insured Certificates) without any further consent of the Holders of the Insured Certificates and the Holders of the Insured Certificates shall exercise any such rights only upon the written consent of the Certificate Insurer; provided, however, each Holder of an Insured Certificate and the Certificate Insurer will have the right to receive statements and reports hereunder. Notwithstanding the foregoing, the Certificate Insurer shall have no power without the consent of the Owner of each Certificate affected thereby to: (i) reduce in any manner the amount of, or delay the timing of, distributions of principal or interest required to be made hereunder or reduce the Percentage Interest of the Holders of the Insured Certificates, the Certificate Interest Rate or the Termination Payment with respect to any of the Insured Certificates; (ii) reduce the percentage of Percentage Interests specified in Section 12.01 which are required to amend this Agreement; (iii) create or permit the creation of any lien against any part of the Trust Fund; (iv) modify any provision in any way which would permit an earlier retirement of the Insured Certificates; or (v) amend this sentence.

SECTION 12.04. Governing Law; Jurisdiction.

This Agreement shall be construed in accordance with the laws of the State of New York, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

SECTION 12.05. Notices.

All directions, demands and notices hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by first class mail, postage prepaid, or by express delivery service, to (a) in the case of the Seller, to Greenwich Capital Financial Products, Inc., 000 Xxxxxxxxx Xxxx, Xxxxxxxxx, Xxxxxxxxxxx 00000, Attention: General Counsel (telecopy number (000) 000-0000), or such other address or telecopy number as may hereafter be furnished to the Depositor and the Trustee in writing by the Seller, (b) in the case of the Trustee, to U.S. Bank National Association, Xxx Xxxxxxx Xxxxxx, Xxxxxx Xxxxxxxxxxxxx, Attention: HarborView 2005-2 (telecopy number (000) 000-0000), with a copy to the Corporate Trust Office or such other address or telecopy number as may hereafter be furnished to the Depositor and the Seller in writing by the Trustee, (c) in the case of the Depositor, to Greenwich Capital Acceptance, Inc., 000 Xxxxxxxxx Xxxx, Xxxxxxxxx, Xxxxxxxxxxx 00000, Attention: Legal (telecopy number (000) 000-0000), or such other address or telecopy number as may be furnished to the Seller and the Trustee in writing by the Depositor and (d) in the case of the Certificate Insurer, to Ambac Assurance Corporation, Xxx Xxxxx Xxxxxx Xxxxx, Xxx Xxxx, Xxx Xxxx 00000, Attention: HarborView 2005-2 (telecopy number 212-208-3547), or such other address or telecopy number as may be furnished to the Depositor, the Seller and the Trustee in writing by the Certificate Insurer. Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Certificate Register. Notice of any Event of Default shall be given by telecopy and by certified mail. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have duly been given when mailed, whether or not the Certificateholder receives such notice. A copy of any notice required to be telecopied hereunder shall also be mailed to the appropriate party in the manner set forth above.

SECTION 12.06. Severability of Provisions.

If any one or more of the covenants, agreements, provisions or terms of this Agreement shall for any reason whatsoever be held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof.

SECTION 12.07. Article and Section References.

All article and section references used in this Agreement, unless otherwise provided, are to articles and sections in this Agreement.

SECTION 12.08. Notice to the Rating Agency.

(a)

The Trustee shall be obligated to use its best reasonable efforts promptly to provide notice to the Rating Agency with respect to each of the following of which a Responsible Officer of the Trustee has actual knowledge:

(i)

any material change or amendment to this Agreement;

(ii)

the occurrence of any Event of Default that has not been cured or waived;

(iii)

the resignation or termination of the Servicer or the Trustee;

(iv)

the final payment to Holders of the Certificates of any Class;

(v)

any change in the location of any Account; and

(vi)

if the Trustee is acting as a successor Servicer pursuant to Section 7.02 hereof, any event that would result in the inability of the Trustee to make Advances.

(b)

The Trustee shall promptly furnish or make available to the Rating Agency copies of each Distribution Date Statement described in Section 5.04 hereof.

(c)

All notices to the Rating Agencies provided for in this Agreement shall be in writing and sent by first class mail, telecopy or overnight courier, as follows:

If to S&P, to:

Standard & Poor’s Ratings Services,

a Division of The XxXxxx-Xxxx Companies, Inc.

00 Xxxxx Xxxxxx

Xxx Xxxx, Xxx Xxxx 00000

Attention: Residential Mortgages

If to Moody’s, to:

Xxxxx’x Investors Service, Inc.

00 Xxxxxx Xxxxxx

Xxx Xxxx, Xxx Xxxx 00000

Attention: Residential Mortgages

SECTION 12.09. Further Assurances.

Notwithstanding any other provision of this Agreement, neither the Regular Certificateholders nor the Trustee shall have any obligation to consent to any amendment or modification of this Agreement unless they have been provided reasonable security or indemnity against their out-of-pocket expenses (including reasonable attorneys’ fees) to be incurred in connection therewith.

SECTION 12.10. Benefits of Agreement.

Nothing in this Agreement or in the Certificates, expressed or implied, shall give to any Person, other than the Certificateholders and the parties hereto and their successors hereunder, any benefit or any legal or equitable right, remedy or claim under this Agreement.

The Certificate Insurer is a third-party beneficiary of this Agreement. Any right conferred to the Certificate Insurer shall be suspended after the occurrence and during the continuation of a Certificate Insurer Default. During any period of suspension, the Certificate Insurer's rights hereunder shall vest in the Holders of the Insured Certificates (to the extent such Holders otherwise has such rights hereunder). At such time as the Class Principal Balance of the Insured Certificates has been reduced to zero and the Certificate Insurer has been reimbursed for all amounts to which it is entitled hereunder, the Certificate Insurer's rights hereunder shall terminate.

SECTION 12.11. Acts of Certificateholders.

(a)

Any request, demand, authorization, direction, notice, consent, waiver or other action provided by this Agreement to be given or taken by the Certificateholders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Certificateholders in person or by agent duly appointed in writing, and such action shall become effective when such instrument or instruments are delivered to the Trustee. Such instrument or instruments (and the action embodied therein and evidenced thereby) are herein sometimes referred to as the “act” of the Certificateholders signing such instrument or instruments. Proof of execution of any such instrument or of a writing appointing any such agent shall be sufficient for any purpose of this Agreement and conclusive in favor of the Trustee, if made in the manner provided in this Section 12.11.

(b)

The fact and date of the execution by any Person of any such instrument or writing may be proved by the affidavit of a witness of such execution or by the certificate of a notary public or other officer authorized by law to take acknowledgments of deeds, certifying that the individual signing such instrument or writing acknowledged to him the execution thereof. Whenever such execution is by a signer acting in a capacity other than his or her individual capacity, such certificate or affidavit shall also constitute sufficient proof of his authority.

(c)

Any request, demand, authorization, direction, notice, consent, waiver or other action by any Certificateholder shall bind every future Holder of such Certificate and the Holder of every Certificate issued upon the registration of transfer thereof or in exchange therefor or in lieu thereof, in respect of anything done, omitted or suffered to be done by the Trustee Servicer in reliance thereon, whether or not notation of such action is made upon such Certificate.

SECTION 12.12. Successors and Assigns.

The provisions of this Agreement shall be binding upon and inure to the benefit of the respective successors and assigns of the parties hereto.

SECTION 12.13. Provision of Information.

For so long as any of the Certificates of any Class are “restricted securities” within the meaning of Rule 144(a)(3) under the 1933 Act, the Depositor agrees to provide to any Certificateholders and to any prospective purchaser of Certificates designated by such holder, upon the request of such holder or prospective purchaser, any information required to be provided to such holder or prospective purchaser to satisfy the condition set forth in Rule 144A(d)(4) under the 1933 Act.

The Trustee shall provide to any person to whom a Prospectus was delivered by Greenwich Capital Markets, Inc. (as identified by Greenwich Capital Markets, Inc.), upon the request of such person specifying the document or documents requested (and certifying that it is a Person entitled hereunder), (i) a copy (excluding exhibits) of any report on Form 8-K or Form 10-K filed with the Securities and Exchange Commission pursuant to Section 3.05 and (ii) a copy of any other document incorporated by reference in the Prospectus (to the extent in the Trustee’s possession). Any reasonable out-of-pocket expenses incurred by the Trustee in providing copies of such documents shall be reimbursed by the Depositor.

[SIGNATURE PAGE IMMEDIATELY FOLLOWS]

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

GREENWICH CAPITAL ACCEPTANCE, INC.,
as Depositor

By:/s/ Xxxxxx Xxxxxxxxxxx
Name: Xxxxxx Xxxxxxxxxxx

Title: Vice President

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC., as Seller

By:/s/ Xxxxxx Xxxxxxxxxxx
Name: Xxxxxx Xxxxxxxxxxx

Title: Vice President

U.S. BANK NATIONAL ASSOCIATION, as Trustee

By:/s/ Xxxxx X. Xxxxxx
Name: Xxxxx X. Xxxxxx

Title: Vice President

STATE OF CONNECTICUT

)

) ss.:

COUNTY OF FAIRFIELD

)

On the 12th day of April 2005, before me, a notary public in and for said State, personally appeared Xxxxxx Xxxxxxxxxxx known to me to be a Vice President of Greenwich Capital Acceptance, Inc., a Delaware corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

/s/ Xxxxxxxx X. Xxxxxxxx

Notary Public

STATE OF CONNECTICUT

)

) ss.:

COUNTY OF FAIRFIELD

)

On the 12th day of April 2005, before me, a notary public in and for said State, personally appeared Xxxxxx Xxxxxxxxxxx known to me to be a Vice President of Greenwich Capital Financial Products, Inc., a Delaware corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

/s/ Xxxxxxxx X. Xxxxxxxx

Notary Public

STATE OF MASSACHUSETTS

)

) ss.:

COUNTY OF SUFFOLK

)

On the 7th day of April 2005, before me, a notary public in and for said State, personally appeared Xxxxx X. Xxxxxx known to me to be an Vice President of U.S. Bank National Association, a national banking association that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

/s/ Xxxxxx X. Xxxx

Notary Public

EXHIBIT A-1

FORM OF CLASS A CERTIFICATE

CLASS [__]-A-[__] CERTIFICATE

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “REGULAR INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT”, AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”).

Certificate No.:

[ ]

Cut-Off Date:

March 1, 2005

First Distribution Date:

[________], 2005

Initial Certificate Principal

Balance of this Certificate

(“Denomination”):

$[ ]

Original Class Certificate

Principal Balance of this

Class:

$[ ]

Percentage Interest:

[ ]%

Pass-Through Rate:

[Variable] [Net WAC]

CUSIP:

[___________]

Class:

[___]-A-[____]

Assumed Final Distribution Date:

[March __, 2035]

HarborView Mortgage Loan Trust 2005-2,

Mortgage Loan Pass-Through Certificates, Series 2005-2

Class [__]-A-[____]

evidencing the Percentage Interest in the distributions allocable to the Certificates of the above-referenced Class with respect to the Trust consisting primarily of adjustable rate, first lien mortgage loans (the “Mortgage Loans”) purchased from others by

GREENWICH CAPITAL ACCEPTANCE, INC., as Depositor.

Principal in respect of this Certificate is distributable monthly as set forth herein and in the Agreement. Accordingly, the Certificate Principal Balance of this Certificate at any time may be less than the Initial Certificate Principal Balance set forth on the face hereof, as described herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates.

This certifies that CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Original Class Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Greenwich Capital Acceptance, Inc. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among the Depositor, Greenwich Capital Financial Products, Inc., as seller (the “Seller”), and U.S. Bank National Association, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Certificate Registrar.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed.

Dated: April ___, 2005

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity,

but solely as Trustee

By __________________________________

This is one of the Certificates

referenced in the within-mentioned Agreement

By ________________________________________

Authorized Signatory of
U.S. Bank National Association
as Certificate Registrar

EXHIBIT A-2

FORM OF CLASS X CERTIFICATE

CLASS X-[____] CERTIFICATE

Certificate No.:

[ ]

Cut-Off Date:

March 1, 2005

First Distribution Date:

[__________], 2005

Initial Certificate Notional

Amount of this Certificate

(“Denomination”):

$[ ]

Original Class Certificate

Notional Amount of this

Class:

$[ ]

Percentage Interest:

[ ]%

Pass-Through Rate:

Variable

CUSIP:

[___________]

Class:

X-[___]

Assumed Final Distribution Date:

[March __, 2035]

HarborView Mortgage Loan Trust 2005-2,

Mortgage Loan Pass-Through Certificates, Series 2005-2

Class X

GREENWICH CAPITAL ACCEPTANCE, INC., as Depositor.

This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates.

This certifies that CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Original Class Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Greenwich Capital Acceptance, Inc. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among the Depositor, Greenwich Capital Financial Products, Inc., as seller (the “Seller”) and U.S. Bank National Association, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Certificate Registrar.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed.

Dated: April ___, 2005

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity,

but solely as Trustee

By ___________________________________

This is one of the Certificates

referenced in the within-mentioned Agreement

By ________________________________________

Authorized Signatory of
U.S. Bank National Association
as Certificate Registrar

EXHIBIT A-3

FORM OF CLASS PO CERTIFICATE

CLASS PO CERTIFICATE

Certificate No.:

[ ]

Cut-Off Date:

March 1, 2005

First Distribution Date:

[__________], 2005

Initial Certificate Principal

Balance of this Certificate

(“Denomination”):

$[ ]

Original Class Certificate

Principal Balance of this

Class:

$[ ]

Percentage Interest:

[ ]%

Pass-Through Rate:

N/A

CUSIP:

[___________]

Class:

Assumed Final Distribution Date:

[March __, 2035]

HarborView Mortgage Loan Trust 2005-2,

Mortgage Loan Pass-Through Certificates, Series 2005-2

Class PO

GREENWICH CAPITAL ACCEPTANCE, INC., as Depositor.

This certifies that CEDE & CO. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Original Class Certificate Notional Amount) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Greenwich Capital Acceptance, Inc. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among the Depositor, Greenwich Capital Financial Products, Inc., as seller (the “Seller”) and U.S. Bank National Association, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Certificate Registrar.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed.

Dated: April ___, 2005

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity,

but solely as Trustee

By ___________________________________

This is one of the Certificates

referenced in the within-mentioned Agreement

By ________________________________________

Authorized Signatory of
U.S. Bank National Association
as Certificate Registrar

EXHIBIT B

FORM OF CLASS A-R CERTIFICATE

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A “RESIDUAL INTEREST” IN A “REAL ESTATE MORTGAGE INVESTMENT CONDUIT”, AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”).

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE PROPOSED TRANSFEREE DELIVERS TO THE TRUSTEE AND THE CERTIFICATE REGISTRAR A TRANSFER AFFIDAVIT IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN.

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE TRANSFEREE DELIVERS TO THE CERTIFICATE REGISTRAR EITHER (A) A REPRESENTATION LETTER TO THE EFFECT THAT SUCH TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR A PLAN OR ARRANGEMENT SUBJECT TO SECTION 4975 OF THE CODE (COLLECTIVELY, A “PLAN”) NOR A PERSON ACTING ON BEHALF OF ANY SUCH PLAN OR ARRANGEMENT NOR A PERSON USING THE ASSETS OF ANY SUCH PLAN TO EFFECT THE TRANSFER, OR (B) A REPRESENTATION THAT THE PURCHASER IS AN INSURANCE COMPANY PURCHASING THIS CERTIFICATE WITH FUNDS CONTAINED IN AN “INSURANCE COMPANY GENERAL ACCOUNT” AS DEFINED IN SECTION V(e) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 (“PTCE 95-60”) AND THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE COVERED UNDER SECTIONS I AND III OF PTCE-95-60, OR (C) AN OPINION OF COUNSEL IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN. NOTWITHSTANDING ANYTHING ELSE TO THE CONTRARY HEREIN, ANY PURPORTED TRANSFER OF THIS CERTIFICATE TO OR ON BEHALF OF AN EMPLOYEE BENEFIT PLAN SUBJECT TO ERISA OR TO THE CODE WITHOUT AN OPINION OF COUNSEL SATISFACTORY TO THE CERTIFICATE REGISTRAR AS DESCRIBED ABOVE SHALL BE VOID AND OF NO EFFECT.

Certificate No.:

Cut-Off Date:

March 1, 2005

First Distribution Date:

[________], 2005

Initial Certificate Principal

Balance of this Certificate:

$100

Original Class Certificate

Principal Balance of this

Class:

$100

Percentage Interest:

100%

Pass-Through Rate:

Net WAC

CUSIP:

[__________]

Class:

A-R

Assumed Final Distribution Date:

[March __, 2035]

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Class A-R

GREENWICH CAPITAL ACCEPTANCE, INC., as Depositor.

This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality.

This certifies that _________________________ is the registered owner of the Percentage Interest evidenced by this Certificate specified above in the interest represented by all Certificates of the Class to which this Certificate belongs in a Trust consisting primarily of the Mortgage Loans deposited by Greenwich Capital Acceptance, Inc. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among the Depositor, Greenwich Capital Financial Products, Inc., as seller (the “Seller”) and U.S. Bank National Association, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

Any distribution of the proceeds of any remaining assets of the Trust will be made only upon presentment and surrender of this Certificate at the Corporate Trust Office of the Certificate Registrar or the office or agency maintained by the Certificate Registrar.

No transfer of this Certificate shall be made unless the Certificate Registrar shall have received either (i) a representation letter from the transferee of such Certificate, acceptable to and in form and substance satisfactory to the Certificate Registrar and the Depositor and in substantially the form attached to the Agreement, to the effect that such transferee is not an employee benefit or other plan or arrangement subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) or Section 4975 of the Internal Revenue Code of 1986, as amended (the “Code”), nor a person acting on behalf or investing plan assets of any such plan or arrangement, which representation letter shall not be an expense of the Certificate Registrar or the Trustee, or (ii) a representation that the purchaser is an insurance company which is purchasing such Certificate with funds contained in an “insurance company general account” (as such term is defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 (“PTCE 95-60”)) and that the purchase and holding of such Certificate are covered under Sections I and III of PTCE 95-60, or (iii) an Opinion of Counsel in accordance with the provisions of the Agreement. Notwithstanding anything else to the contrary herein, any purported transfer of this Certificate to or on behalf of an employee benefit plan subject to ERISA or to the Code without the opinion of counsel satisfactory to the Certificate Registrar as described above shall be void and of no effect.

Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions of the Agreement, including but not limited to the restrictions that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a Permitted Transferee, (ii) no Ownership Interest in this Certificate may be transferred without delivery to the Trustee and the Certificate Registrar of (a) a transfer affidavit of the proposed transferee and (b) a transfer certificate of the transferor, each of such documents to be in the form described in the Agreement, (iii) each person holding or acquiring any Ownership Interest in this Certificate must agree to require a transfer affidavit and to deliver a transfer certificate to the Trustee and the Certificate Registrar as required pursuant to the Agreement, (iv) each person holding or acquiring an Ownership Interest in this Certificate must agree not to transfer an Ownership Interest in this Certificate if it has actual knowledge that the proposed transferee is not a Permitted Transferee and (v) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee. The Trustee will provide the Internal Revenue Service and any pertinent persons with the information needed to compute the tax imposed under the applicable tax laws on transfers of residual interests to disqualified organizations, if any person other than a Permitted Transferee acquires an Ownership Interest in this Certificate in violation of the restrictions mentioned above.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized officer of the Certificate Registrar.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed.

Dated: April ___, 2005

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity,

but solely as Trustee

By _________________________________

This is one of the Certificates

referenced in the within-mentioned Agreement

By ________________________________________

Authorized Signatory of
U.S. Bank National Association
as Certificate Registrar

EXHIBIT C

FORM OF SUBORDINATE CERTIFICATE

CLASS B-[ ] CERTIFICATE

[UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE TRUSTEE OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] [Applicable to Book-Entry Certificates only; delete for Physical Certificates]

[NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED (A) (1) UNLESS SUCH TRANSFER IS MADE TO A QUALIFIED INSTITUTIONAL BUYER IN RELIANCE UPON RULE 144A OF THE SECURITIES ACT OF 1933, AS AMENDED (THE “1933 ACT”) OR (2) UNLESS SUCH TRANSFER IS MADE TO AN ACCREDITED INVESTOR IN RELIANCE UPON RULE 501 (C)(1), (2), (3) OR (7) OF THE 1933 ACT (IN EACH CASE AS EVIDENCED BY AN INVESTMENT LETTER DELIVERED TO THE CERTIFICATE REGISTRAR, IN SUBSTANTIALLY THE FORM ATTACHED TO THE AGREEMENT AND, IF SO REQUIRED BY THE CERTIFICATE REGISTRAR AND THE DEPOSITOR, A WRITTEN OPINION OF COUNSEL (WHICH MAY BE IN-HOUSE COUNSEL) ACCEPTABLE TO AND IN FORM AND SUBSTANCE REASONABLY SATISFACTORY TO THE CERTIFICATE REGISTRAR AND THE DEPOSITOR, STATING THAT SUCH TRANSFER MAY BE MADE PURSUANT TO AN EXEMPTION (INCLUDING A DESCRIPTION OF THE APPLICABLE EXEMPTION AND THE BASIS THEREFOR) FROM THE 1933 ACT OR STATING THAT SUCH TRANSFER IS BEING MADE PURSUANT TO THE 1933 ACT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE CERTIFICATE REGISTRAR OR THE DEPOSITOR) OR (B) UNLESS THE TRANSFEROR SHALL HAVE EXECUTED A TRANSFEROR CERTIFICATE (IN SUBSTANTIALLY THE FORM ATTACHED TO THE POOLING AND SERVICING AGREEMENT) AND THE TRANSFEREE SHALL HAVE EXECUTED AN INVESTMENT LETTER (IN SUBSTANTIALLY THE FORM ATTACHED TO THE POOLING AND SERVICING AGREEMENT) ACCEPTABLE TO AND IN FORM AND SUBSTANCE REASONABLY SATISFACTORY TO THE DEPOSITOR AND THE CERTIFICATE REGISTRAR CERTIFYING TO THE DEPOSITOR AND THE CERTIFICATE REGISTRAR THE FACTS SURROUNDING SUCH TRANSFER, WHICH INVESTMENT LETTER SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE CERTIFICATE REGISTRAR OR THE DEPOSITOR.] [Applicable to Class B-4, Class B-5 and Class B-6 Certificates that are Physical Certificates only; Delete for Class B-1, Class B-2 and Class B-3 Certificates and Class B-4, Class B-5 and Class B-6 Certificates that are Book-Entry Certificates]

[IF THE RATING OF THIS CERTIFICATE IS BELOW INVESTMENT GRADE AT THE TIME OF ITS ACQUISITION, NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED UNLESS THE CERTIFICATE REGISTRAR SHALL HAVE RECEIVED EITHER (A) A REPRESENTATION LETTER TO THE EFFECT THAT SUCH TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR A PLAN OR ARRANGEMENT SUBJECT TO SECTION 4975 OF THE CODE (COLLECTIVELY, A “PLAN”) NOR A PERSON ACTING ON BEHALF OF ANY SUCH PLAN OR ARRANGEMENT NOR A PERSON USING THE ASSETS OF ANY SUCH PLAN TO EFFECT THE TRANSFER, OR (B) IF THIS CERTIFICATE HAS BEEN THE OBJECT OF AN ERISA-QUALIFYING UNDERWRITING, A REPRESENTATION THAT THE PURCHASER IS AN INSURANCE COMPANY PURCHASING THIS CERTIFICATE WITH FUNDS CONTAINED IN AN “INSURANCE COMPANY GENERAL ACCOUNT” AS DEFINED IN SECTION V(e) OF PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60 AND THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE COVERED UNDER SECTIONS I AND III OF PTCE 95-60, OR (C) AN OPINION OF COUNSEL IN ACCORDANCE WITH THE PROVISIONS OF THE AGREEMENT REFERRED TO HEREIN. NOTWITHSTANDING ANYTHING ELSE TO THE CONTRARY HEREIN, ANY PURPORTED TRANSFER OF THIS CERTIFICATE TO OR ON BEHALF OF AN EMPLOYEE BENEFIT PLAN SUBJECT TO ERISA OR TO SECTION 4975 OF THE CODE WITHOUT THE DELIVERY TO THE CERTIFICATE REGISTRAR OF AN OPINION OF COUNSEL SATISFACTORY TO THE CERTIFICATE REGISTRAR AS DESCRIBED ABOVE SHALL BE VOID AND OF NO EFFECT.] [Applicable to Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates that are Physical Certificates only; delete for Class B-1, Class B-2 and Class B-3 Certificates and Class B-4, Class B-5 and Class B-6 Certificates that are Book-Entry Certificates]

[THE HOLDER OF THIS CERTIFICATE BY ITS ACCEPTANCE HEREOF IS DEEMED TO HAVE REPRESENTED AND WARRANTED THAT (I) IT ACQUIRED SUCH CERTIFICATE (A) PURSUANT TO A REGISTRATION STATEMENT WHICH HAS BEEN DECLARED EFFECTIVE UNDER THE 1933 ACT OR (B) AS A “QUALIFIED INSTITUTIONAL BUYER” AS DEFINED IN RULE 144A UNDER THE 1933 ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A, AND (II) IF THE RATING OF THIS CERTIFICATE IS BELOW INVESTMENT GRADE AT THE TIME OF ITS ACQUISITION, (A) SUCH HOLDER IS NOT AN EMPLOYEE BENEFIT PLAN SUBJECT TO SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR A PLAN OR ARRANGEMENT SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”), OR A PERSON ACTING ON BEHALF OF ANY SUCH PLAN OR ARRANGEMENT OR A PERSON USING THE ASSETS OF ANY SUCH PLAN OR ARRANGEMENT TO EFFECT SUCH TRANSFER, (B) IF THIS CERTIFICATE HAS BEEN THE SUBJECT OF AN ERISA-QUALIFYING UNDERWRITING, SUCH HOLDER IS AN INSURANCE COMPANY PURCHASING THIS CERTIFICATE WITH FUNDS CONTAINED IN AN “INSURANCE COMPANY GENERAL ACCOUNT” AS DEFINED IN SECTION V(e) OF PROHIBITED TRANSACTION CLASS EXEMPTION (“PTCE”) 95-60 AND THAT THE PURCHASE AND HOLDING OF THIS CERTIFICATE ARE COVERED UNDER SECTIONS I AND III OF PTCE 95-60, OR (C) THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY THE HOLDER WILL NOT RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER THE PROVISIONS OF SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE TRUSTEE, THE CERTIFICATE REGISTRAR, THE SERVICER OR THE DEPOSITOR TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT.] [Applicable to Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates that are Book-Entry Certificates only; delete for Class B-1, Class B-2 and Class B-3 Certificates and Class B-4, Class B-5 and Class B-6 Certificates that are Physical Certificates]

THIS CERTIFICATE IS SUBORDINATE IN RIGHT AND PAYMENT AS DESCRIBED IN THE AGREEMENT REFERRED TO HEREIN.

Certificate No.:

[ ]

Cut-Off Date:

March 1, 2005

First Distribution Date:

[________], 2005

Initial Certificate Principal

Balance of this Certificate

(“Denomination”):

$[ ]

Original Class Certificate

Principal Balance of this

Class:

$[ ]

Percentage Interest:

[ ]%

Pass-Through Rate:

Variable

CUSIP:

[________________]

Class:

B-[ ]

Assumed Final Distribution Date:

[March __, 2035]

HarborView Mortgage Loan Trust 2005-2,

Mortgage Loan Pass-Through Certificates, Series 2005-2

Class B-[ ]

GREENWICH CAPITAL ACCEPTANCE INC., as Depositor.

Principal in respect of this Certificate is distributable monthly as set forth herein and in the Agreement. Accordingly, the Certificate Principal Balance of this Certificate at any time may be less than the Initial Certificate Principal Balance set forth on the face hereof, as described herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Seller, or the Trustee referred to below or any of their respective affiliates.

This certifies that [CEDE & CO.] [Applicable to Book-Entry Certificates only] [_________________________] [Applicable to Physical Certificates only] is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Original Class Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Greenwich Capital Acceptance, Inc. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among the Depositor, Greenwich Capital Financial Products, Inc., as seller (the “Seller”), and U.S. Bank National Association, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Certificate Registrar.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed.

Dated: April ___, 2005

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity,

but solely as Trustee

By __________________________________

This is one of the Certificates

referenced in the within-mentioned Agreement

By ________________________________________

Authorized Signatory of
U.S. Bank National Association
as Certificate Registrar

EXHIBIT D

FORM OF CLASS Y CERTIFICATE

NEITHER THIS CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED (A) UNLESS SUCH TRANSFER IS MADE TO A QUALIFIED INSTITUTIONAL BUYER IN RELIANCE UPON RULE 144A OF THE SECURITIES ACT OF 1933, AS AMENDED (THE “1933 ACT”) (AS EVIDENCED BY AN INVESTMENT LETTER DELIVERED TO THE CERTIFICATE REGISTRAR, IN SUBSTANTIALLY THE FORM ATTACHED TO THE AGREEMENT AND, IF SO REQUIRED BY THE CERTIFICATE REGISTRAR AND THE DEPOSITOR, A WRITTEN OPINION OF COUNSEL (WHICH MAY BE IN-HOUSE COUNSEL) ACCEPTABLE TO AND IN FORM AND SUBSTANCE REASONABLY SATISFACTORY TO THE CERTIFICATE REGISTRAR AND THE DEPOSITOR, STATING THAT SUCH TRANSFER MAY BE MADE PURSUANT TO AN EXEMPTION (INCLUDING A DESCRIPTION OF THE APPLICABLE EXEMPTION AND THE BASIS THEREFOR) FROM THE 1933 ACT OR STATING THAT SUCH TRANSFER IS BEING MADE PURSUANT TO THE 1933 ACT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE CERTIFICATE REGISTRAR OR THE DEPOSITOR) OR (B) UNLESS THE TRANSFEROR SHALL HAVE EXECUTED A TRANSFEROR CERTIFICATE (IN SUBSTANTIALLY THE FORM ATTACHED TO THE POOLING AND SERVICING AGREEMENT) AND THE TRANSFEREE SHALL HAVE EXECUTED AN INVESTMENT LETTER (IN SUBSTANTIALLY THE FORM ATTACHED TO THE POOLING AND SERVICING AGREEMENT) ACCEPTABLE TO AND IN FORM AND SUBSTANCE REASONABLY SATISFACTORY TO THE DEPOSITOR AND THE CERTIFICATE REGISTRAR CERTIFYING TO THE DEPOSITOR AND THE CERTIFICATE REGISTRAR THE FACTS SURROUNDING SUCH TRANSFER, WHICH INVESTMENT LETTER SHALL NOT BE AN EXPENSE OF THE TRUST, THE TRUSTEE, THE CERTIFICATE REGISTRAR OR THE DEPOSITOR.

SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE WILL NOT CONSTITUTE AN INTEREST IN ANY “REAL ESTATE MORTGAGE INVESTMENT CONDUIT”, AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”).

THIS CERTIFICATE SHALL NOT BE TRANSFERRED TO AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGMENT SUBJECT TO SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (“ERISA”), OR TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE “CODE”) OR ANY ENTITY DEEMED TO HOLD THE PLAN ASSETS OF THE FOREGOING (COLLECTIVELY, A “PLAN”) NOR A PERSON ACTING FOR, OR ON BEHALF OF, ANY SUCH PLAN TO EFFECT THE TRANSFER.

THIS CERTIFICATE IS LIMITED IN RIGHT AND PAYMENT AS DESCRIBED IN THE AGREEMENT REFERRED TO HEREIN.

Certificate No.:

[ ]

Cut-Off Date:

March 1, 2005

First Distribution Date:

[________], 2005

Percentage Interest:

[ ]

Assumed Final Distribution Date:

[March __, 2035]

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Class Y

GREENWICH CAPITAL ACCEPTANCE INC., as Depositor.

This certifies that [_________________________] is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Original Class Certificate Principal Balance) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Greenwich Capital Acceptance, Inc. (the “Depositor”). The Trust was created pursuant to a Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among the Depositor, Greenwich Capital Financial Products, Inc., as seller (the “Seller”) and U.S. Bank National Association, as trustee (the “Trustee”). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound.

This Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose unless manually countersigned by an authorized officer of the Certificate Registrar.

IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed.

Dated: April ___, 2005

U.S. BANK NATIONAL ASSOCIATION,

not in its individual capacity,

but solely as Trustee

By __________________________________

This is one of the Certificates

referenced in the within-mentioned Agreement

By ________________________________________

Authorized Signatory of
U.S. Bank National Association
as Certificate Registrar

EXHIBIT E

FORM OF REVERSE OF THE CERTIFICATES

HARBORVIEW MORTGAGE LOAN TRUST 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Reverse Certificate

This Certificate is one of a duly authorized issue of Certificates designated as HarborView Mortgage Loan Trust 2005-2, Mortgage Loan Pass-Through Certificates, Series 2005-2 (herein collectively called the “Certificates”), and representing a beneficial ownership interest in the Trust created by the Agreement.

The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Distribution Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement.

This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee.

Pursuant to the terms of the Agreement, distributions will be made on the 19^th day of each month, or if the 19^th day is not a Business Day, then on the next succeeding Business Day (the “Distribution Date”), commencing on the Distribution Date in April 2005, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount required to be distributed to Holders of Certificates of the Class to which this Certificate belongs on such Distribution Date pursuant to the Agreement.

Distributions on this Certificate shall be made, (i) in the case of a Physical Certificate, by check or money order mailed to the address of the person entitled thereto as it appears on the Certificate Register or, upon the request of a Certificateholder, by wire transfer as set forth in the Agreement and (ii) in the case of a Book-Entry Certificate, to the Depository, which shall credit the amounts of such distributions to the accounts of its Depository Participants in accordance with its normal procedures. The final distribution on each Certificate shall be made in like manner, but only upon presentment and surrender of such Certificate at the office or agency of the Certificate Registrar specified in the notice to Certificateholders of such final distribution.

The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights of the Certificateholders under the Agreement at any time, by the Depositor, the Seller, the Trustee and Holders of the requisite percentage of the Percentage Interests of each Class of Certificates affected by such amendment, as specified in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates.

As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Certificate Registrar upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Certificate Registrar accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar duly executed by the Holder hereof or such Holder’s attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees.

[Subject to the terms of the Agreement, each Class of Book-Entry Certificates will be registered as being held by the Depository or its nominee and beneficial interests will be held by Certificate Owners through the book-entry facilities of the Depository or its nominee in minimum denominations of $25,000 and integral dollar multiples of $1 in excess thereof, in the case of the Class 1-A, Class 2-A-1A, Class 2-A-1B, Class 2-A-1C, Class 2-A-2, Class PO, Class B-1, Class B-2 and Class B-3 Certificates and $100,000 and integral dollar multiples of $1,000 in excess thereof, in the case of the Class X, Class B-4, Class B-5 and Class B-6 Certificates, except that one Certificate of each such Class of Certificates may be in a different denomination.] [Applicable to Book-Entry Certificates only; delete for Physical Certificates.]

[The Class A-R and Class Y Certificates are each issuable as a single certificate in physical form only in a Percentage Interest of 100%.] [Applicable to Class A-R and Class Y Certificates only.]

[The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same.] [Applicable to Physical Certificates only; delete for Book-Entry Certificates.]

No service charge will be made for any such registration of transfer or exchange, but the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith.

The Depositor, the Seller, the Trustee, and the Certificate Registrar and any agent of the Depositor, the Seller, the Trustee and the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Seller, the Trustee and the Certificate Registrar or any agent of any of them shall be affected by any notice to the contrary.

On any Distribution Date on which the aggregate of the Stated Principal Balances of the Mortgage Loans immediately after such date is equal to or less than 10% of the Cut-Off Date Aggregate Principal Balance, the Call Option Holder may, at its option, terminate the Agreement by purchasing, on such Distribution Date, all of the outstanding Mortgage Loans and REO Properties at the Termination Price as provided in the Pooling and Servicing Agreement. In the event that the Call Option Holder does not exercise its right of optional termination, the obligations and responsibilities created by the Agreement will terminate upon the earliest of (i) the Distribution Date on which the Class Certificate Principal Balance of each Class of Certificates has been reduced to zero, (ii) the final payment or other liquidation of the last Mortgage Loan and (iii) the Latest Possible Maturity Date.

Capitalized terms used herein that are defined in the Agreement shall have the meanings ascribed to them in the Agreement, and nothing herein shall be deemed inconsistent with that meaning.

ASSIGNMENT

FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto

____________________________________________________________________________________________________________________________________________________________

(Please print or typewrite name and address including postal zip code of assignee)

the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust.

I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _____________________________________________________________________________.

Dated: _____________

____________________________________

Signature by or on behalf of assignor

DISTRIBUTION INSTRUCTIONS

The assignee should include the following for purposes of distribution:

Distributions shall be made, by wire transfer or otherwise, in immediately available funds

to____________________________________________________________________________

______________________________________________________________________________

for the account of_______________________________________________________________,

account number ________________________, or, if mailed by check, to ___________________

______________________________________________________________________________

Applicable statements should be mailed to ___________________________________________

_____________________________________________________________________________.

This information is provided by _____________________________________________,

the assignee named above, or _____________________________________________________,

as its agent.

EXHIBIT F

REQUEST FOR RELEASE

Date

[Addressed to Trustee

or, if applicable, custodian]

In connection with the administration of the mortgages held by you as [Trustee] [Custodian, on behalf of the Trustee] under a certain Pooling and Servicing Agreement dated as of March 1, 2005 among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee (the “Pooling and Servicing Agreement”), the undersigned [Servicer] hereby requests a release of the Mortgage File held by you as [Trustee] [Custodian, on behalf of the Trustee] with respect to the following described Mortgage Loan for the reason indicated below.

Mortgagor’s Name:

Address:

Loan No.:

Reason for requesting file:

Mortgage Loan paid in full. (The [Servicer] hereby certifies that all amounts received in connection with the loan have been or will be credited to the Distribution Account pursuant to the Pooling and Servicing Agreement.)

The Mortgage Loan is being foreclosed.

Mortgage Loan substituted. (The [Servicer] hereby certifies that a Qualified Substitute Mortgage Loan has been assigned and delivered to you along with the related Mortgage File pursuant to the Pooling and Servicing Agreement.)

Mortgage Loan repurchased. (The [Servicer] hereby certifies that the Purchase Price has been credited to the Distribution Account pursuant to the Pooling and Servicing Agreement.)

Other. (Describe)

The undersigned acknowledges that the above Mortgage File will be held by the undersigned in accordance with the provisions of the Pooling and Servicing Agreement and will be returned to you within ten (10) days of our receipt of the Mortgage File, except if the Mortgage Loan has been paid in full, or repurchased or substituted for a Qualified Substitute Mortgage Loan (in which case the Mortgage File will be retained by us without obligation to return to you).

Capitalized terms used herein shall have the meanings ascribed to them in the Pooling and Servicing Agreement.

_____________________________________

[Name of Servicer]

By:__________________________________

Name:

Title: Servicing Officer

EXHIBIT G-1

FORM OF RECEIPT OF MORTGAGE NOTE

RECEIPT OF MORTGAGE NOTE

Greenwich Capital Acceptance, Inc.
000 Xxxxxxxxx Xxxx
Xxxxxxxxx, Xxxxxxxxxxx 00000

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Ladies and Gentlemen:

Pursuant to Section 2.01 of the Pooling and Servicing Agreement, dated as of March 1, 2005, among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee, we hereby acknowledge receipt of an original Mortgage Note with respect to each Mortgage Loan listed on Exhibit 1, with any exceptions thereto listed on Exhibit 2.

U.S. BANK NATIONAL ASSOCIATION, as Trustee

By:________________________________

Name:

Title:

Dated:

EXHIBIT 1

MORTGAGE LOAN SCHEDULE

[On file with XxXxx Xxxxxx LLP]

EXHIBIT 2

EXCEPTIONS REPORT

[On file with XxXxx Xxxxxx LLP]

EXHIBIT G-2

FORM OF INTERIM CERTIFICATION OF TRUSTEE

INTERIM CERTIFICATION OF TRUSTEE

[Date]

Greenwich Capital Acceptance, Inc. 000 Xxxxxxxxx Xxxx Xxxxxxxxx, Xxxxxxxxxxx 00000
Greenwich Capital Financial Products, Inc. 000 Xxxxxxxxx Xxxx Xxxxxxxxx, Xxxxxxxxxxx 00000

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Ladies and Gentlemen:

In accordance with Section 2.02 of the Pooling and Servicing Agreement dated as of March 1, 2005 (the “Pooling and Servicing Agreement”), among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee, the undersigned, as Trustee, hereby certifies that, as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or listed on the attached schedule):

(i)

all documents required to be delivered to the Trustee (or to the Custodian, on behalf of the Trustee) pursuant to Section 2.01 of the Pooling and Servicing Agreement are in its possession;

(ii)

such documents have been reviewed by the Trustee and have not been mutilated, damaged or torn and relate to such Mortgage Loan; and

(iii)

based on the Trustee’s examination and only as to the foregoing, the information set forth in the Mortgage Loan Schedule that corresponds to items (i), (ii) and (iii) of the Mortgage Loan Schedule accurately reflects information set forth in the Mortgage File.

Based on its review and examination and only as to the foregoing documents, such documents appear regular on their face and relate to such Mortgage Loan.

The Trustee has made no independent examination of any documents contained in each Mortgage File beyond the review specifically required in the Pooling and Servicing Agreement. The Trustee makes no representations as to: (i) the validity, legality, sufficiency, enforceability or genuineness of any of the documents contained in each Mortgage File of any of the Mortgage Loans identified on the Mortgage Loan Schedule, or (ii) the collectibility, insurability, effectiveness or suitability of any such Mortgage Loan.

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the Pooling and Servicing Agreement.

U.S. BANK NATIONAL ASSOCIATION, as Trustee

By: ________________________________

Name:

Title:

EXHIBIT G-3

FORM OF FINAL CERTIFICATION OF TRUSTEE

FINAL CERTIFICATION OF TRUSTEE

[Date]

Greenwich Capital Acceptance, Inc. 000 Xxxxxxxxx Xxxx Xxxxxxxxx, Xxxxxxxxxxx 00000
Greenwich Capital Financial Products, Inc. 000 Xxxxxxxxx Xxxx Xxxxxxxxx, Xxxxxxxxxxx 00000

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Ladies and Gentlemen:

In accordance with Section 2.02 of the Pooling and Servicing Agreement dated as of March 1, 2005 (the “Pooling and Servicing Agreement”), among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee, the undersigned, as Trustee, hereby certifies that as to each Mortgage Loan listed in the Mortgage Loan Schedule (other than any Mortgage Loan paid in full or listed in the attached schedule) it has received all documents required to be delivered to the Trustee pursuant to Section 2.01 of the Pooling and Servicing Agreement.

Based on its review and examination and only as to the foregoing documents, (a) such documents appear regular on their face and related to such Mortgage Loan, and (b) the information set forth in items (i), (ii) and (iii) of the definition of “Mortgage Loan Schedule” in the Pooling and Servicing Agreement accurately reflects the information set forth in each Mortgage File.

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the Pooling and Servicing Agreement.

U.S. BANK NATIONAL ASSOCIATION, as Trustee

By: _______________________________

Name:

Title:

EXHIBIT H

FORM OF LOST NOTE AFFIDAVIT

Personally appeared before me the undersigned authority to administer oaths, ______________________ who first being duly sworn deposes and says: Deponent is ______________________ of Greenwich Capital Financial Products, Inc. (the “Seller”) and who has personal knowledge of the facts set out in this affidavit.

On _______________, 200__, _________________________ did execute and deliver a promissory note in the principal amount of $__________.

That said note has been misplaced or lost through causes unknown and is currently lost and unavailable after diligent search has been made. The Seller’s records show that an amount of principal and interest on said note is still presently outstanding, due, and unpaid, and such Seller is still owner and holder in due course of said lost note.

The Seller executes this Affidavit for the purpose of inducing U.S. Bank National Association, as trustee on behalf of HarborView Mortgage Loan Trust 2005-2, Mortgage Loan Pass-Through Certificates, Series 2005-2, to accept the transfer of the above-described mortgage loan from the Seller.

The Seller agrees to indemnify U.S. Bank National Association and Greenwich Capital Acceptance, Inc. and hold each of them harmless for any losses incurred by such parties resulting from the fact that the above described Note has been lost or misplaced.

By: __________________________________

__________________________________

STATE OF	)
	)	Ss:
COUNTY OF	)

On this ____ day of ___________ 20__, before me, a Notary Public, in and for said County and State, appeared ________________________, who acknowledged the extension of the foregoing and who, having been duly sworn, states that any representations therein contained are true.

Witness my hand and Notarial Seal this ____ day of _______ 20__.

_______________________________

My commission expires _______________.

EXHIBIT I-1

FORM OF ERISA REPRESENTATION

(CLASS A-R)

[Date]

Greenwich Capital Acceptance, Inc.

000 Xxxxxxxxx Xxxx
Xxxxxxxxx, Xxxxxxxxxxx 00000

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series

2005-2, Class [A-R]

Ladies and Gentlemen:

The undersigned is the ______________________ of _________________ (the “Transferee”), a [corporation duly organized] and existing under the laws of __________, on behalf of which she makes this affidavit.

The Transferee either (x) is not an employee benefit plan subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or a plan or arrangement subject to Section 4975 of the Internal Revenue Code of 1986, as amended (the “Code”) (collectively, a “Plan”) nor a person acting on behalf of any such Plan nor using the assets of any such Plan to effect the transfer; (y) if the Certificate has been the subject of a best efforts or firm commitment underwriting or private placement that meets the requirements of Prohibited Transaction Exemption 2002-41, and is an insurance company which is purchasing such Certificates with funds contained in an “insurance company general account” (as such term is defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 (“PTCE 95-60”) and that the purchase and holding of such Certificates are covered under Section I and III of PTCE 95-60; or (z) shall deliver to the Certificate Registrar an opinion of counsel (a “Benefit Plan Opinion”) satisfactory to the Certificate Registrar, and upon which the Certificate Registrar shall be entitled to rely, to the effect that the purchase or holding of such Certificate by the Transferee will not result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee, the Certificate Registrar, the Servicer or the Depositor to any obligation in addition to those undertaken by such entities in the Pooling and Servicing Agreement, which opinion of counsel shall not be an expense of the Trustee, the Certificate Registrar the Depositor or the Trust.

The Transferee hereby acknowledges that under the terms of the Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee, no transfer of any ERISA-Restricted Certificate in the form of a Definitive Certificate shall be permitted to be made to any person unless the Depositor and Trustee have received a certificate from such transferee in the form hereof.

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the Pooling and Servicing Agreement.

IN WITNESS WHEREOF, the Transferee has executed this certificate.

_________________________________

[Transferee]

By:______________________________

Name:

Title:

EXHIBIT I-2

FORM OF ERISA REPRESENTATION

FOR ERISA-RESTRICTED CERTIFICATES

[Date]

Greenwich Capital Acceptance, Inc.

000 Xxxxxxxxx Xxxx
Xxxxxxxxx, Xxxxxxxxxxx 00000

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates,

Series 2005-2, ERISA-Restricted Certificates

Ladies and Gentlemen:

The Transferee either (x) is not an employee benefit plan subject to Section 406 of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), or a plan or arrangement subject to Section 4975 of the Internal Revenue Code of 1986, as amended (the “Code”) (collectively, a “Plan”) nor a person acting on behalf of any such Plan nor using the assets of any such Plan to effect the transfer; (y) if a Certificate, other than the Class Y Certificate, has been the subject of a best efforts or firm commitment underwriting or private placement that meets the requirements of Prohibited Transaction Exemption 2002-41, is an insurance company which is purchasing such Certificates with funds contained in an “insurance company general account” (as such term is defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 (“PTCE 95-60”) and that the purchase and holding of such Certificates are covered under Section I and III of PTCE 95-60; or (z) in the case of a Certificate, other than the Class Y Certificate, shall deliver to the Certificate Registrar an opinion of counsel (a “Benefit Plan Opinion”) satisfactory to the Certificate Registrar, and upon which the Certificate Registrar shall be entitled to rely, to the effect that the purchase or holding of such Certificate by the Transferee will not result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code and will not subject the Trustee, the Certificate Registrar, the Servicer or the Depositor to any obligation in addition to those undertaken by such entities in the Pooling and Servicing Agreement, which opinion of counsel shall not be an expense of the Trustee, the Certificate Registrar the Depositor or the Trust.

The Transferee hereby acknowledges that under the terms of the Pooling and Servicing Agreement dated as of March 1, 2005 (the “Agreement”) among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller and U.S. Bank National Association, as Trustee, no transfer of any ERISA-Restricted Certificate in the form of a Definitive Certificate shall be permitted to be made to any person unless the Depositor and Trustee have received a certificate from such transferee in the form hereof.

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the Pooling and Servicing Agreement.

IN WITNESS WHEREOF, the Transferee has executed this certificate.

_________________________________

[Transferee]

By:______________________________

Name:

Title:

EXHIBIT J-1

FORM OF INVESTMENT LETTER [NON-RULE 144A]

[Date]

Greenwich Capital Acceptance, Inc.

000 Xxxxxxxxx Xxxx
Xxxxxxxxx, Xxxxxxxxxxx 00000

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Ladies and Gentlemen:

In connection with our acquisition of the above-captioned Certificates, we certify that (a) we understand that the Certificates are not being registered under the Securities Act of 1933, as amended (the “Act”), or any state securities laws and are being transferred to us in a transaction that is exempt from the registration requirements of the Act and any such laws, (b) we are an “accredited investor,” as defined in Regulation D under the Act, and have such knowledge and experience in financial and business matters that we are capable of evaluating the merits and risks of investments in the Certificates, (c) we have had the opportunity to ask questions of and receive answers from the Depositor concerning the purchase of the Certificates and all matters relating thereto or any additional information deemed necessary to our decision to purchase the Certificates, (d) we are acquiring the Certificates for investment for our own account and not with a view to any distribution of such Certificates (but without prejudice to our right at all times to sell or otherwise dispose of the Certificates in accordance with clause (f) below), (e) we have not offered or sold any Certificates to, or solicited offers to buy any Certificates from, any person, or otherwise approached or negotiated with any person with respect thereto, or taken any other action which would result in a violation of Section 5 of the Act, and (f) we will not sell, transfer or otherwise dispose of any Certificates unless (1) such sale, transfer or other disposition is made pursuant to an effective registration statement under the Act or is exempt from such registration requirements, and if requested, we will at our expense provide an opinion of counsel satisfactory to the addressees of this Certificate that such sale, transfer or other disposition may be made pursuant to an exemption from the Act, (2) the purchaser or transferee of such Certificate has executed and delivered to you a certificate to substantially the same effect as this certificate, and (3) the purchaser or transferee has otherwise complied with any conditions for transfer set forth in the Pooling and Servicing Agreement.

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the Pooling and Servicing Agreement.

Very truly yours,

[NAME OF TRANSFEREE]

By:______________________________

Authorized Officer

EXHIBIT J-2

FORM OF RULE 144A INVESTMENT LETTER

[Date]

Greenwich Capital Acceptance, Inc.

000 Xxxxxxxxx Xxxx
Xxxxxxxxx, Xxxxxxxxxxx 00000

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Ladies and Gentlemen:

In connection with our acquisition of the above Certificates we certify that (a) we understand that the Certificates are not being registered under the Securities Act of 1933, as amended (the “Act”), or any state securities laws and are being transferred to us in a transaction that is exempt from the registration requirements of the Act and any such laws, (b) we have had the opportunity to ask questions of and receive answers from the Depositor concerning the purchase of the Certificates and all matters relating thereto or any additional information deemed necessary to our decision to purchase the Certificates, (c) we have not, nor has anyone acting on our behalf offered, transferred, pledged, sold or otherwise disposed of the Certificates, any interest in the Certificates or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Certificates, any interest in the Certificates or any other similar security from, or otherwise approached or negotiated with respect to the Certificates, any interest in the Certificates or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Certificates under the Securities Act or that would render the disposition of the Certificates a violation of Section 5 of the Securities Act or require registration pursuant thereto, nor will act, nor has authorized or will authorize any person to act, in such manner with respect to the Certificates, and (d) we are a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act and have completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. We are aware that the sale to us is being made in reliance on Rule 144A. We are acquiring the Certificates for our own account or for resale pursuant to Rule 144A and further, understand that such Certificates may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the Securities Act.

Capitalized words and phrases used herein shall have the respective meanings assigned to them in the Pooling and Servicing Agreement.

Very truly yours,

[NAME OF TRANSFEREE]

By:_____________________________

Authorized Officer

ANNEX 1 TO EXHIBIT J

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[For Transferees Other Than Registered Investment Companies]

The undersigned (the “Buyer”) hereby certifies as follows to the parties listed in the Rule 144A Transferee Certificate to which this certification relates with respect to the Certificates described therein:

As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer.

ii.

In connection with purchases by the Buyer, the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933, as amended (“Rule 144A”) because (i) the Buyer owned and/or invested on a discretionary basis $ 1/ in securities (except for the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A and (ii) the Buyer satisfies the criteria in the category marked below.

___

Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended.

___

Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto.

___

Savings and Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto.

___

Broker-dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934.

___

Insurance Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State, territory or the District of Columbia.

___

State or Local Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees.

___

ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974.

___

Investment Advisor. The Buyer is an investment advisor registered under the Investment Advisors Act of 1940.

___

Small Business Investment Company. Buyer is a small business investment company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958.

___

Business Development Company. Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisors Act of 1940.

iii.

The term “securities” as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (iv) bank deposit notes and certificates of deposit, (v) loan participations, (vi) repurchase agreements, (vii) securities owned but subject to a repurchase agreement and (viii) currency, interest rate and commodity swaps.

iv.

For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph, except (i) where the Buyer reports its securities holdings in its financial statements on the basis of their market value, and (ii) no current information with respect to the cost of those securities has been published. If clause (ii) in the preceding sentence applies, the securities may be valued at market. Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer’s direction. However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934, as amended.

The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A.

vi.

Until the date of purchase of the Rule 144A Securities, the Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer’s purchase of the Certificates will constitute a reaffirmation of this certification as of the date of such purchase. In addition, if the Buyer is a bank or savings and loan is provided above, the Buyer agrees that it will furnish to such parties updated annual financial statements promptly after they become available.

_______________________________

Print Name of Buyer

By:_____________________________

Name:

Title:

Date:___________________________

________________

1/ Buyer must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Buyer is a dealer, and, in that case, Buyer must own and/or invest on a discretionary basis at least $10,000,000 in securities.

ANNEX 2 TO EXHIBIT J

QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A

[For Transferees That are Registered Investment Companies]

As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a “qualified institutional buyer” as that term is defined in Rule 144A under the Securities Act of 1933, as amended (“Rule 144A”) because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser.

In connection with purchases by Buyer, the Buyer is a “qualified institutional buyer” as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, as amended and (ii) as marked below, the Buyer alone, or the Buyer’s Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer’s Family of Investment Companies, the cost of such securities was used, except (i) where the Buyer or the Buyer’s Family of Investment Companies reports its securities holdings in its financial statements on the basis of their market value, and (ii) no current information with respect to the cost of those securities has been published. If clause (ii) in the preceding sentence applies, the securities may be valued at market.

___

The Buyer owned $ in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A).

___

The Buyer is part of a Family of Investment Companies which owned in the aggregate $ in securities (other than the excluded securities referred to below) as of the end of the Buyer’s most recent fiscal year (such amount being calculated in accordance with Rule 144A).

The term “Family of Investment Companies” as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other).

The term “securities” as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer’s Family of Investment Companies, (ii) securities issued or guaranteed by the U.S. or any instrumentality thereof, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps.

The Buyer is familiar with Rule 144A and understands that the parties listed in the Rule 144A Transferee Certificate to which this certification relates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer’s own account.

Until the date of purchase of the Certificates, the undersigned will notify the parties listed in the Rule 144A Transferee Certificate to which this certification relates of any changes in the information and conclusions herein. Until such notice is given, the Buyer’s purchase of the Certificates will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase.

_________________________________

Print Name of Buyer or Adviser

By:______________________________

Name:

Title:

IF AN ADVISER:

__________________________________

Print Name of Buyer

Date:______________________________

EXHIBIT K

FORM OF TRANSFEROR CERTIFICATE

[Date]

Greenwich Capital Acceptance, Inc.
000 Xxxxxxxxx Xxxx
Xxxxxxxxx, Xxxxxxxxxxx 00000
Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Re:

HarborView Mortgage Loan Trust 2005-2 Mortgage

Loan Pass-Through Certificates, Series 2005-2, Class A-R

Ladies and Gentlemen:

In connection with our proposed transfer of an Ownership Interest in the Class A-R Certificate, we hereby certify that (a) we have no knowledge that the proposed Transferee is not a Permitted Transferee acquiring an Ownership Interest in such Class A-R Certificate for its own account and not in a capacity as trustee, nominee, or agent for another Person, and (b) we have not undertaken the proposed transfer in whole or in part to impede the assessment or collection of tax.

Very truly yours,

[_____________________]

By: ______________________________

EXHIBIT L

TRANSFER AFFIDAVIT FOR CLASS A-R CERTIFICATE

PURSUANT TO SECTION 6.02(e)

HARBORVIEW MORTGAGE LOAN TRUST 2005-2

MORTGAGE LOAN PASS-THROUGH CERTIFICATES, SERIES 2005-2, CLASS A-R

STATE OF	)
	)	ss:
COUNTY OF	)

The undersigned, being first duly sworn, deposes and says as follows:

The undersigned is an officer of ______________________, the proposed Transferee of a 100% Ownership Interest in the Class A-R Certificate (the “Certificate”) issued pursuant to the Pooling and Servicing Agreement, (the “Agreement”) dated as of March 1, 2005, relating to the above-referenced Certificates, among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee. Capitalized terms used, but not defined herein, shall have the meanings ascribed to such terms in the Agreement. The Transferee has authorized the undersigned to make this affidavit on behalf of the Transferee.

The Transferee is, as of the date hereof, and will be, as of the date of the Transfer, a Permitted Transferee. The Transferee is acquiring its Ownership Interest for its own account and not in a capacity as trustee, nominee or agent for another party.

The Transferee has been advised of, and understands that (i) a tax will be imposed on Transfers of the Certificate to Persons that are not Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if such Transfer is through an agent (which includes a broker, nominee or middleman) for a Person that is not a Permitted Transferee, on the agent; and (iii) the Person otherwise liable for the tax shall be relieved of liability for the tax if the subsequent Transferee furnished to such Person an affidavit that such subsequent Transferee is a Permitted Transferee and, at the time of Transfer, such Person does not have actual knowledge that the affidavit is false. The Transferee has provided financial statements or other financial information requested by the Transferor in connection with the transfer of the Certificate to permit the Transferor to assess the financial capability of the Transferee to pay such taxes.

The Transferee has been advised of, and understands that a tax may be imposed on a “pass-through entity” holding the Certificate if, at any time during the taxable year of the pass-through entity, a Disqualified Organization is the record holder of an interest in such entity. The Transferee understands that such tax will not be imposed for any period with respect to which the record holder furnishes to the pass-through entity an affidavit that such record holder is not a Disqualified Organization and the pass-through entity does not have actual knowledge that such affidavit is false. (For this purpose, a “pass-through entity” includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives and, except as may be provided in Treasury Regulations, persons holding interests in pass-through entities as a nominee for another Person.)

The Transferee has reviewed the provisions of Section 6.02(e) of the Agreement and understands the legal consequences of the acquisition of an Ownership Interest in the Certificate including, without limitation, the restrictions on subsequent Transfers and the provisions regarding voiding the Transfer and mandatory sales. The Transferee expressly agrees to be bound by and to abide by the provisions of Section 6.02(e) of the Agreement and the restrictions noted on the face of the Certificate. The Transferee understands and agrees that any breach of any of the representations included herein shall render the Transfer to the Transferee contemplated hereby null and void.

The Transferee agrees to require a Transfer Affidavit from any Person to whom the Transferee attempts to Transfer its Ownership Interest in the Certificate, and the Transferee will not Transfer its Ownership Interest or cause any Ownership Interest to be Transferred to any Person that the Transferee knows is not a Permitted Transferee. In connection with any such Transfer by the Transferee, the Transferee agrees to deliver to the Trustee a certificate substantially in the form set forth as Exhibit K to the Agreement (a “Transferor Certificate”).

The Transferee does not have the intention to impede the assessment or collection of any tax legally required to be paid with respect to the Certificate.

The Transferee’s taxpayer identification number is .

The Transferee is aware that the Certificate may be a “noneconomic residual interest” within the meaning of the REMIC provisions and that the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax.

IN WITNESS WHEREOF, the Transferee has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its duly authorized officer and its corporate seal to be hereunto affixed, duly attested, this day of , 20 .

[NAME OF TRANSFEREE]

By:__________________________________

Name:

Title:

[Corporate Seal]

ATTEST:

[Assistant] Secretary

Personally appeared before me the above-named , known or proved to me to be the same person who executed the foregoing instrument and to be the of the Transferee, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Transferee.

Subscribed and sworn before me this day of , 20 .

______________________________

NOTARY PUBLIC

My Commission expires the day of , 20 .

EXHIBIT M

LIST OF SERVICERS AND SERVICING AGREEMENTS

Master Mortgage Loan Purchase and Servicing Agreement, dated as of April 1, 2003, as amended by the amendment dated November 1, 2004, between GCFP, as owner and Countrywide Home Loans, Inc. (“Countrywide”), as servicer, as reconstituted pursuant to a Reconstituted Servicing Agreement, dated as of March 1, 2005, between GCFP and Countrywide, and acknowledged by U.S. Bank as trustee.

EXHIBIT N-1

FORM OF TRANSFER CERTIFICATE

FOR TRANSFER FROM RESTRICTED GLOBAL SECURITY

TO REGULATION S GLOBAL SECURITY

(Transfers pursuant to §§ 6.02 (f) (ii)

of the Pooling and Servicing Agreement)

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

Reference is hereby made to the Pooling and Servicing Agreement dated as of March 1, 2005 (the “Pooling and Servicing Agreement”) relating to the above referenced certificates, among Greenwich Capital Acceptance, Inc., as Depositor, Greenwich Capital Financial Products, Inc., as Seller, and U.S. Bank National Association, as Trustee. Capitalized terms used but not defined herein shall have the meanings given them in the Pooling and Servicing Agreement.

This letter relates to U.S. $____________________________ aggregate principal amount of Securities which are held in the form of a Restricted Global Security with the Depository in the name of [name of transferor] ___________________________________ (the “Transferor”) to effect the transfer of the Securities in exchange for an equivalent beneficial interest in a Regulation S Global Security.

In connection with such request, the Transferor does hereby certify that such transfer has been effected in accordance with the transfer restrictions set forth in the Pooling and Servicing Agreement and the private placement memorandum dated April 12, 2005, relating to the Securities and in accordance with Rule 904 of Regulation S, and that:

the offer of the Securities was not made to a person in the United States;

at the time the buy order was originated, the transferee was outside the United States or the Transferor and any person acting on its behalf reasonably believed that the transferee was outside the United States;

no directed selling efforts have been made in contravention of the requirements of Rule 903 or 904 of Regulation S, as applicable;

the transaction is not part of a plan or scheme to evade the registration requirements of the United States Securities Act of 1933, as amended (the “Securities Act”); and

the transferee is not a U.S. Person.

You and the Depositor are entitled to rely upon this letter and are irrevocably authorized to produce this letter or a copy hereof to any interested party in any administrative or legal proceedings or official inquiry with respect to the matters covered hereby. Terms used in this certificate have the meanings set forth in Regulation S.

_______________________________

[Name of Transferor]

By:

Name:

Title:

Date:__________________, ____

EXHIBIT N-2

FORM OF TRANSFER CERTIFICATE FOR TRANSFER

FROM REGULATION S GLOBAL SECURITY

TO RESTRICTED GLOBAL SECURITY

(Transfers pursuant to §§ 6.02 (f) (iii)

of the Pooling and Servicing Agreement)

U.S. Bank National Association
Xxx Xxxxxxx Xxxxxx
Xxxxxx, Xxxxxxxxxxxxx 00000

Attention: Corporate Trust, HarborView Mortgage Loan Trust 2005-2

Re:

HarborView Mortgage Loan Trust 2005-2

Mortgage Loan Pass-Through Certificates, Series 2005-2

This letter relates to U.S. $____________________________ aggregate principal amount of Securities which are held in the form of a Regulations S Global Security in the name of [name of transferor] ___________________________________ (the “Transferor”) to effect the transfer of the Securities in exchange for an equivalent beneficial interest in a Restricted Global Security.

In connection with such request, and in respect of such Securities, the Transferor does hereby certify that such Securities are being transferred in accordance with (i) the transfer restrictions set forth in the Pooling and Servicing Agreement and the private placement memorandum dated April 12, 2005, relating to the Securities and (ii) Rule 144A under the United States Securities Act of 1933, as amended, to a transferee that the Transferor reasonably believes is purchasing the Securities for its own account or an account with respect to which the transferee exercises sole investment discretion, the transferee or any such account is a qualified institutional buyer within the meaning of Rule 144A, in a transaction meeting the requirements of Rule 144A and in accordance with any applicable securities laws of any state of the United States or any other jurisdiction.

[Name of Transferor]

By:

Name:

Title:

Date: ,

EXHIBIT O

CLASS 2-A-1C CERTIFICATE INSURANCE POLICY

[On File with Trustee]

SCHEDULE I

MORTGAGE LOAN SCHEDULE

loan num	Name	zip	occupancy	property type	IO flag	Orig Term	rem term	LTV	rate	first pay date	mature date	service fee	paid to date	orig balance	purpose	index	margin	rate change date	max rate	appr value	purchase price	product	LPMI fee	Servicer	Originator	group	custodian
1453239	AUGUST X XXXXXX	60423	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	452000	Cash Out Refinance	MTA	3.35	6/1/2005	9.95	565000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
184745	XXXXXXXX XXXXXX	89123	Primary	Single Family	N	360	359	46.87	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	232000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	495000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
1892940	XXXXX XXXX XXXXXX	89130	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	264000	Cash Out Refinance	MTA	2.95	5/1/2005	9.95	330000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
1894210	XXXXXX XXX	89106	Second Home	PUD	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	218400	Purchase	MTA	3.025	4/1/2005	9.95	275000	273000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
190712	XXXXXX X XXXXXXX	89052	Investor	PUD	N	360	360	75	2.125	4/1/2005	3/1/2035	0.375	3/1/2005	292500	Cash Out Refinance	MTA	3.675	6/1/2005	9.95	390000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
192980	D'ARCY XXXXXXXXXX	84738	Second Home	PUD	N	360	360	69.09	1	4/1/2005	3/1/2035	0.375	3/1/2005	380000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
193099	XXXXX XXXXXX	89123	Investor	Condominium	N	360	360	76.74	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	165000	Rate/Term Refinance	MTA	2.65	5/1/2005	9.95	215000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
194470	XXXXXXX B HOUSE	89031	Investor	Single Family	N	360	360	80	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	220000	Cash Out Refinance	MTA	3.4	5/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
195396	XXXXX X XXXXXXX IAQUINT	89131	Primary	Single Family	N	360	360	75	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	431250	Cash Out Refinance	MTA	3	7/1/2005	9.95	575000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
195799	XXXXXXX B HOUSE	89121	Investor	Single Family	N	360	360	80	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	165600	Cash Out Refinance	MTA	3.525	5/1/2005	9.95	207000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
195850	XXXXX X XXXXXXXX	89147	Primary	Single Family	N	360	360	75	1	5/1/2005	4/1/2035	0.375	4/1/2005	243750	Rate/Term Refinance	MTA	2.575	5/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
20407628	XXXXXXX X XXXXXXX	80221	Investor	Single Family	N	360	360	80	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	75456	Purchase	MTA	3.625	5/1/2005	9.95	112000	94320	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
21118742	XXXXXXXX X XXXXXXX	92677	Primary	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	644000	Purchase	MTA	2.4	5/1/2005	9.95	805000	805000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
21886619	MAY L ASTON	34217	Primary	Two-Four Family	N	360	360	79.9	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	508000	Rate/Term Refinance	MTA	3.8	6/1/2005	9.95	635827	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
22723104	XXXXX X. XXXXXX	32828	Primary	PUD	N	360	360	74.97	1	4/1/2005	3/1/2035	0.375	3/1/2005	193000	Purchase	MTA	2.65	4/1/2005	9.95	263000	257433	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
33588122	XXXXXXX X XXXXXXX	95687	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	800000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
359385	XXXXX X XXXXX	53114	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	436000	Rate/Term Refinance	MTA	3.25	5/1/2005	9.95	545000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
3942085	XXXXX C LEASES	85252	Primary	PUD	N	360	360	63.21	1	5/1/2005	4/1/2035	0.375	4/1/2005	354000	Purchase	MTA	2.875	5/1/2005	9.95	561000	560000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
39783469	XXXXXX X XXXXXXX	20016	Primary	Single Family	N	360	360	60	2	4/1/2005	3/1/2035	0.375	3/1/2005	2310000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	3850000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
40583670	SAID XXXXXXX	92101	Investor	Condominium	N	360	360	37.59	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	115000	Purchase	MTA	3.325	5/1/2005	9.95	445000	305900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
4333003	VERONIQUE J HAUACKER	34744	Primary	PUD	N	360	360	74.98	1	5/1/2005	4/1/2035	0.375	4/1/2005	265900	Purchase	MTA	2.4	5/1/2005	9.95	370000	354624	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
4333363	XXXX X XXXXXX	33896	Second Home	Single Family	N	360	360	68.06	1	5/1/2005	4/1/2035	0.375	4/1/2005	245000	Purchase	MTA	2.65	5/1/2005	9.95	360000	360000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
4333498	XXXXXX XXX	33884	Second Home	PUD	N	360	360	75	1	5/1/2005	4/1/2035	0.375	4/1/2005	221250	Purchase	MTA	2.65	5/1/2005	9.95	305000	295000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
44538503	XXXXX XXXXXX	89122	Investor	PUD	N	360	360	80	2.125	4/1/2005	3/1/2035	0.375	3/1/2005	149150	Purchase	MTA	3.275	6/1/2005	9.95	186440	186440	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
44559961	XXXX XXXXXX XXXXXXXXXX	00000	Xxxxxxx	XXX	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	314600	Purchase	MTA	2.65	4/1/2005	9.95	393292	393292	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
44578556	XXXXX X XXXX	95630	Investor	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	324291	Purchase	MTA	2.675	4/1/2005	9.95	409000	405364	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
44585308	XXXXXXXX XXXXX	92860	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	582000	Purchase	MTA	2.8	5/1/2005	9.95	727521	727521	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
44595146	XXXXX XXXXXX	22657	Investor	PUD	N	360	360	79.99	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	193750	Purchase	MTA	2.875	5/1/2005	9.95	245000	242208	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
44614028	XXXXXXXX X. XXXXXX	92078	Primary	PUD	N	360	359	79.99	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	522900	Purchase	MTA	2.5	4/1/2005	9.95	653683	653683	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
44629950	XXXX X XXXXX	95630	Primary	PUD	N	360	360	79.98	1	4/1/2005	3/1/2035	0.375	3/1/2005	394000	Purchase	MTA	2.5	4/1/2005	9.95	510000	492597	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
44633486	XXXXXX X XXXXXXXXXXX	92555	Primary	Single Family	N	360	359	79.99	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	398900	Purchase	MTA	2.5	4/1/2005	9.95	500000	498670	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
44647352	XXXXXXX X XXXXXXX-XXXXX	85212	Primary	PUD	N	360	360	95	2	5/1/2005	4/1/2035	0.375	4/1/2005	257450	Purchase	MTA	2.5	5/1/2005	9.95	272000	271000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
45884700	XXXXX X XXXXX	33027	Second Home	PUD	N	360	360	75	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	375500	Purchase	MTA	3.05	7/1/2005	9.95	505000	500678	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
48133333	XXXXX X XXXXXXX	92620	Primary	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	406000	Purchase	MTA	2.65	5/1/2005	9.95	510000	507503	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
48151570	XXXXXX X XXXX	34235	Primary	Condominium	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	151920	Purchase	MTA	2.775	4/1/2005	9.95	192000	189900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
48903793	XXXXXX X XXXXXXX	93442	Primary	Single Family	N	360	360	36.41	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	335000	Cash Out Refinance	MTA	3.05	6/1/2005	9.95	920000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
49176808	XXXXX X XXXXXXXXX	32174	Investor	PUD	N	360	360	80	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	190000	Purchase	MTA	3.475	5/1/2005	9.95	237500	237500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
52589960	XXXXXXX X XXXXXXX	00000	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	159200	Cash Out Refinance	MTA	2.125	4/1/2005	9.95	199000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
53021492	XXXXXXXX XXXXX	92694	Primary	Condominium	N	360	359	79.99	1.75	3/1/2005	2/1/2035	0.375	2/1/2005	340436	Purchase	MTA	2.6	5/1/2005	9.95	426000	425576	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
53060096	XXXXXX XXXX	92833	Primary	Condominium	N	360	360	79.99	1	5/1/2005	4/1/2035	0.375	4/1/2005	414500	Purchase	MTA	2.8	5/1/2005	9.95	519000	518181	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
53061056	XXXXXXXX X XXXXXX	92833	Primary	Condominium	N	360	360	79.98	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	379100	Purchase	MTA	2.9	7/1/2005	9.95	474000	473990	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
53268128	XXXXX X XXXXXXX	92024	Primary	PUD	N	360	360	79.99	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	437900	Purchase	MTA	2.5	7/1/2005	9.95	640000	547417	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
53268216	XXXXXXX XXXXXXXX	90504	Primary	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	422792	Purchase	MTA	3.25	5/1/2005	9.95	528500	528490	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
53268728	XXXXXXX X XXXXXX	92883	Primary	PUD	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	463460	Purchase	MTA	2.95	5/1/2005	9.95	579326	579326	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
53268736	XXXXX X XXXXX	92883	Primary	PUD	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	476928	Purchase	MTA	3.25	5/1/2005	9.95	596500	596160	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
53268928	XXXXXXX XXXXX	92694	Primary	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	452900	Purchase	MTA	2.95	5/1/2005	9.95	567000	566154	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
5357536	XXXXXXX X XXXXXXX	48030	Investor	Single Family	N	360	360	89.38	2.375	5/1/2005	4/1/2035	0.375	4/1/2005	107250	Rate/Term Refinance	MTA	3.45	5/1/2005	9.95	120000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
54730284	XXXXX XXXXXXXXXXX	32819	Second Home	Condominium	N	360	360	80	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	188400	Purchase	MTA	2.75	7/1/2005	9.95	236000	235500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
54777531	XXXXXXX X XXXXX	84414	Primary	Single Family	N	360	360	90	2.625	4/1/2005	3/1/2035	0.375	3/1/2005	151200	Purchase	MTA	3.15	4/1/2005	9.95	169000	168000	Negam MTA	0.5	COUNTRYWIDE	COUNTRYWIDE	1	BONY
54839742	XXXXXX X XXXX	92584	Primary	Single Family	N	360	360	79.72	1	4/1/2005	3/1/2035	0.375	3/1/2005	287000	Cash Out Refinance	MTA	3.4	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
54839790	XXXXXXXX XXXXXX	92879	Investor	Condominium	N	360	360	47.37	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	180000	Cash Out Refinance	MTA	2.775	5/1/2005	9.95	380000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
54839918	XXXXXX XXXXXXXX	92883	Primary	PUD	N	360	360	54.25	1	5/1/2005	4/1/2035	0.375	4/1/2005	230000	Cash Out Refinance	MTA	2.525	5/1/2005	9.95	424000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
54839942	XXXXX X XXXXX	92563	Primary	Single Family	N	360	360	67.42	1	5/1/2005	4/1/2035	0.375	4/1/2005	300000	Cash Out Refinance	MTA	2.525	5/1/2005	9.95	445000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
55386746	XXXXXX X XXXXXX	80537	Primary	PUD	N	360	360	78.4	1	5/1/2005	4/1/2035	0.375	4/1/2005	392000	Cash Out Refinance	MTA	2.8	5/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
55386778	XXXXXX X XXXX	93926	Second Home	Single Family	N	360	360	56.25	1	5/1/2005	4/1/2035	0.375	4/1/2005	270000	Cash Out Refinance	MTA	2.275	5/1/2005	9.95	480000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
5598098	XXXX XXX XXXXXXX	89103	Primary	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	140000	Cash Out Refinance	MTA	2.95	5/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
5598474	XXXXXX X XXXXXX	89015	Investor	Single Family	N	360	360	80	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	200400	Cash Out Refinance	MTA	3.4	5/1/2005	9.95	250500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
57505311	XXXXXX X XXXXXX	00000	Xxxxxxx	XXX	N	360	359	56.12	3.875	3/1/2005	2/1/2035	0.375	3/1/2005	1610000	Rate/Term Refinance	MTA	1.9	4/1/2005	9.95	2869000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
5845615	XXXX XXXXXX XXXXXXX MINGUEL	90003	Primary	Single Family	N	360	360	68.31	1	5/1/2005	4/1/2035	0.375	4/1/2005	218600	Cash Out Refinance	MTA	3.075	5/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
5846580	XXXXXX X XXXXXXXX	90806	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	426400	Purchase	MTA	1.975	5/1/2005	9.95	533000	533000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
5925656	XXXX X XXXXXX	89503	Primary	Single Family	N	360	359	79.85	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	213600	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	267500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
5926632	XXXXXX X XXXXXX	95691	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	472804	Purchase	MTA	2.8	4/1/2005	9.95	625000	591005	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
61076528	XXXXXXXX XXXXXXXX	94928	Primary	Single Family	N	360	359	42.55	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	234000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
61238204	XXXXXXXXXXX XXXXXXXXX	34997	Primary	PUD	N	360	354	75	4.875	10/1/2004	9/1/2034	0.375	3/1/2005	135000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	180000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
61520807	XXXXX X XXXX	92881	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	880265	Purchase	MTA	2.275	4/1/2005	9.95	1100400	1100332	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
61521303	XXXXXXX XXX XXXXXX	92395	Second Home	PUD	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	153426	Purchase	MTA	2.4	5/1/2005	9.95	192000	191787	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
61897959	XXXXXXX X XXXXX	92253	Investor	PUD	N	360	360	79.99	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	287600	Purchase	MTA	3.125	4/1/2005	9.95	360000	359551	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
63404583	XXXX X XXXXXXX XX	00000	Xxxxxxxx	Two-Four Family	N	360	359	64.57	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	97500	Cash Out Refinance	MTA	2.575	4/1/2005	9.95	151000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
63592536	XXXXX X XXXXX	84065	Primary	Single Family	N	360	360	79.58	1	5/1/2005	4/1/2035	0.375	4/1/2005	191000	Rate/Term Refinance	MTA	2.95	5/1/2005	9.95	240000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
63711109	XXXXXXX X XXXXX	85086	Primary	Single Family	N	360	360	79.92	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	328000	Purchase	MTA	2.75	6/1/2005	9.95	415000	410387	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
63818598	XXXXXXX XXXXXX-XXXXXX	93926	Primary	Single Family	N	360	360	61	1	5/1/2005	4/1/2035	0.375	4/1/2005	305000	Cash Out Refinance	MTA	2.35	5/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
64236837	XXXXX XXXXXXX	34759	Second Home	PUD	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	124612	Purchase	MTA	3.05	6/1/2005	9.95	155900	155765	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
6430995	XXXXX XXXXXX XXXXXXXX	96734	Second Home	Single Family	N	360	360	60	2	4/1/2005	3/1/2035	0.375	3/1/2005	2070000	Purchase	MTA	2.85	4/1/2005	9.95	3520000	3450000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
64982832	XXXXXXX X XXXXX	77380	Primary	PUD	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	188000	Purchase	MTA	2.8	6/1/2005	9.95	235000	235000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
65042327	FARNOOSH XXX XXXXXX	92281	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	774799	Purchase	MTA	3.25	5/1/2005	9.95	969000	968499	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
65043303	XXXX X XXXXXX	92211	Second Home	PUD	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	456105	Purchase	MTA	2.4	5/1/2005	9.95	573000	570132	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
65111640	XXXXX XXXXXXX	33060	Primary	Condominium	N	360	360	75.16	1	5/1/2005	4/1/2035	0.375	4/1/2005	115000	Rate/Term Refinance	MTA	2.9	5/1/2005	9.95	153000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
65124207	XXXX XXX	92648	Investor	PUD	N	360	360	70.08	2.125	5/1/2005	4/1/2035	0.375	4/1/2005	630731	Purchase	MTA	3.025	5/1/2005	9.95	900000	901045	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
65176251	XXXXXXXX XXXX	92210	Primary	PUD	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	745690	Purchase	MTA	2.775	5/1/2005	9.95	932115	932115	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
65742446	XXXXXXX XXXXXXXXXXX	85374	Second Home	PUD	N	360	360	80	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	167310	Purchase	MTA	3.35	7/1/2005	9.95	224000	209138	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
66866312	XXXXXX X'XXXXX	1085	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	296000	Purchase	MTA	2.95	5/1/2005	9.95	372000	370000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
66964922	XXXXX XXXXXXX	00000	Xxxxxxx	XXX	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	620000	Cash Out Refinance	MTA	3.25	4/1/2005	9.95	775000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
66972763	XXXXX XXXXXX HASSAN	92236	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	269702	Purchase	MTA	2.95	4/1/2005	9.95	338000	337128	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
67426615	XXXXXXXX X XXXXXXXX	92694	Primary	Condominium	N	360	360	80	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	385310	Purchase	MTA	3.05	7/1/2005	9.95	482000	481638	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67426687	XXX XXXXXXX	92694	Primary	Condominium	N	360	360	80	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	443420	Purchase	MTA	3.2	7/1/2005	9.95	555000	554277	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67438521	XXXXX XXXXXX	00000	Xxxxxxx	XXX	N	360	360	74.74	1	4/1/2005	3/1/2035	0.375	3/1/2005	1345314	Rate/Term Refinance	MTA	2.575	4/1/2005	9.95	1800000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67438529	XXXXXX X XXXX	92625	Primary	PUD	N	360	360	63.27	1	4/1/2005	3/1/2035	0.375	3/1/2005	1297000	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	2050000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67439001	XXXX XXXXX	92704	Primary	PUD	N	360	360	60	1	4/1/2005	3/1/2035	0.375	3/1/2005	753000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	1255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67722113	XXXXX X XXXXXXXXXX	93551	Primary	Single Family	N	360	360	79.67	1	4/1/2005	3/1/2035	0.375	4/1/2005	389097	Purchase	MTA	2.775	4/1/2005	9.95	489000	488372	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67722873	XXXXX X XXXXXXX	00000	Xxxxxxx	XXX	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	550103	Purchase	MTA	2.65	4/1/2005	9.95	696000	687629	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67867661	XXXXXXX X XXXXXXXX	00000	Xxxxxxx	XXX	N	360	360	79.97	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	185520	Cash Out Refinance	MTA	3.35	7/1/2005	9.95	232000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
67880664	XXXXXXXXXXX X XXXXXX	53719	Investor	Condominium	N	360	360	79.79	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	175543.95	Rate/Term Refinance	MTA	3.25	5/1/2005	9.95	220000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
68030351	XXXX XXXX	00000	Xxxxxxx	XXX	N	360	358	62.81	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	1319000	Rate/Term Refinance	MTA	2.575	4/1/2005	9.95	2100000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
68181735	XXXXXXX XXXX XXXX XX	00000	Primary	Single Family	N	360	360	71.43	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	3.275	4/1/2005	9.95	560000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
68181831	SEANY XXXXXXX	90805	Primary	Single Family	N	360	360	67.92	1	5/1/2005	4/1/2035	0.375	4/1/2005	290000	Cash Out Refinance	MTA	2.65	5/1/2005	9.95	427000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
68181911	XXXXXX XXXXXXX	90650	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	328000	Purchase	MTA	2.9	4/1/2005	9.95	410000	410000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
68181983	XXXXXXX X XXXXXXX	90744	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	312000	Cash Out Refinance	MTA	2.95	4/1/2005	9.95	390000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
68181999	XXX XXXXXXX	92704	Primary	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	328000	Cash Out Refinance	MTA	3.15	5/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
68182111	XXXXX XXXXXX	90712	Primary	Single Family	N	360	360	75.24	1	5/1/2005	4/1/2035	0.375	4/1/2005	308500	Rate/Term Refinance	MTA	2.4	5/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
68215978	XXXXX XXXXXXX	92881	Primary	Single Family	N	360	360	56.06	1	4/1/2005	3/1/2035	0.375	3/1/2005	353170	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
68216042	XXXXX X XXXXX	92503	Primary	Single Family	N	360	360	78.3	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	415000	Cash Out Refinance	MTA	3.05	7/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
76535413	XXXXXX X XXXXXXXXX	00000	Second Home	Condominium	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	503200	Purchase	MTA	2.5	5/1/2005	9.95	636000	629000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
76791571	XXXXXX X XXXXXXXX	85220	Primary	Condominium	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	164000	Purchase	MTA	3.35	6/1/2005	9.95	205000	205000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
77381273	XXXXXX X XXXXXXX	70065	Investor	Single Family	N	360	360	74.47	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	91600	Rate/Term Refinance	MTA	3.325	4/1/2005	9.95	123000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
77381329	XXXX MUSIC PELLETTERI	70003	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	408000	Cash Out Refinance	MTA	3.25	5/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
77417043	XXXXXXX XXXX VAN TWIST	92683	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	448000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	560000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
77711719	XXXXX X XXXX	92253	Primary	PUD	N	360	360	77.11	1	4/1/2005	3/1/2035	0.375	3/1/2005	1465000	Rate/Term Refinance	MTA	1.9	4/1/2005	9.95	1900000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
78335918	XXXX X'XXXXX	10605	Primary	Single Family	N	360	360	45.27	1	4/1/2005	3/1/2035	0.375	4/1/2005	550000	Cash Out Refinance	MTA	3.1	4/1/2005	9.95	1215000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
78409112	XXXXX X XXXXXX	33948	Primary	Single Family	N	360	357	74.07	4.375	1/1/2005	12/1/2034	0.375	4/1/2005	200000	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	270000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
78550510	XXXX X XXXXXXXXX	80524	Primary	PUD	N	360	358	71	4.625	2/1/2005	1/1/2035	0.375	2/1/2005	994000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	1400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
78720699	XXXXXX XXXXXXXXXX	00000	Xxxxxxx	XXX	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	644150	Purchase	MTA	2.75	4/1/2005	9.95	806000	805214	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
78842746	XXXXXX X XXXXXXX	90032	Primary	Single Family	N	360	357	80	4.625	1/1/2005	12/1/2034	0.375	3/1/2005	484000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	605000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
78917236	XXXXXXX XXXXXX XXXXXXX	1605	Investor	Two-Four Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	220800	Rate/Term Refinance	MTA	3.15	4/1/2005	9.95	276000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79069255	XXXXX XXXX	89121	Primary	PUD	N	360	357	75	5.125	1/1/2005	12/1/2034	0.375	3/1/2005	153750	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	205000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79073063	XXXXX X XXXXXXXX	95603	Primary	PUD	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	340000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79097986	XXXX XXXX XXXX XXX	00000	Primary	Single Family	N	360	357	70	4.875	1/1/2005	12/1/2034	0.375	3/1/2005	196000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79180029	XXXX X XXXXX	94061	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	888000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	1110000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79347268	XXXXXXX X. XXXXXXX	92270	Primary	Condominium	N	360	358	78.69	5.125	2/1/2005	1/1/2035	0.375	4/1/2005	240000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	305000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79374191	XXXX XXXXXXXXXXX	33023	Primary	Single Family	N	360	358	95	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	175750	Purchase	MTA	3.05	4/1/2005	9.95	185000	185000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79379488	XXXXXX X XXXXXX	00000	Xxxxxxx	XXX	N	360	358	73.53	4.5	2/1/2005	1/1/2035	0.375	3/1/2005	262500	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	357000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79381824	XXXXXXX X XXXXXXX	00000	Primary	Condominium	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	2/1/2005	172000	Purchase	MTA	3.05	4/1/2005	9.95	215000	215000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79430390	XXXXX XXXXXX XXXXXX	96720	Primary	Single Family	N	360	359	72.49	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	220000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	303500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79433943	XXXXXX XXXXXX	95682	Primary	Single Family	N	360	357	80	5.125	1/1/2005	12/1/2034	0.375	3/1/2005	319200	Purchase	MTA	3.05	4/1/2005	9.95	410000	399000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79442848	XXXXXXX XXXXX	89052	Second Home	Condominium	N	360	358	79.99	4.875	2/1/2005	1/1/2035	0.375	3/1/2005	167900	Purchase	MTA	2.9	4/1/2005	9.95	210000	209900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79453401	XXXXX XXXXXXXX	8701	Investor	Single Family	N	360	358	80	5	2/1/2005	1/1/2035	0.375	3/1/2005	228000	Purchase	MTA	3.025	4/1/2005	9.95	285000	285000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79454841	XXXXXXXX XXXXXXX XXXXXX	92392	Primary	Single Family	N	360	358	89.9	4.375	2/1/2005	1/1/2035	0.375	4/1/2005	242730	Purchase	MTA	2.3	4/1/2005	9.95	270000	270000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79470227	XXXXXX XXXXXX	91977	Primary	Single Family	N	360	359	79.25	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	368500	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	465000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79470291	XXXXXXX XXXXXX	55401	Primary	Condominium	N	360	358	80	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	224800	Purchase	MTA	2.65	4/1/2005	9.95	307000	281000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79483389	XXXXXXX X XXXX	45431	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	96000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	120000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79485573	XXXXXXX XXXX XXXXXXXX	28645	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	88800	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	111000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79486909	XXXXX XXXXX	33558	Primary	PUD	N	360	358	95	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	229900	Purchase	MTA	3.05	4/1/2005	9.95	244000	242000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79490886	XXXX X. XXXXXX	00000	Xxxxxxx	XXX	N	360	359	71.84	5.125	3/1/2005	2/1/2035	0.375	4/1/2005	579000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	806000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79536196	XXXXX X XXXXXX	92009	Second Home	Single Family	N	360	358	64.91	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	370000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	570000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79543213	NAFASGULE S AIMAQUE	95377	Primary	Single Family	N	360	358	69.49	4.375	2/1/2005	1/1/2035	0.375	4/1/2005	549000	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	790000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79544925	XXXXX XXXXX XXXXX	95821	Primary	Single Family	N	360	359	79.1	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	265000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	335000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79555223	XXXX X XXXXXXXX	92114	Primary	Condominium	N	360	359	76.3	4.5	3/1/2005	2/1/2035	0.375	2/1/2005	206000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	270000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79571217	XXXXXX X XXXXX	89148	Investor	PUD	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	541550	Purchase	MTA	3.275	4/1/2005	9.95	677000	676950	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79590995	XXXX X XXXXXX	89147	Investor	Condominium	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	158400	Purchase	MTA	3.125	4/1/2005	9.95	198000	198000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79595892	CHUYL KYUN MOON	91387	Primary	Single Family	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	520000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79611830	XXXXXXX XXXXXX	89130	Investor	PUD	N	360	358	60	5.375	2/1/2005	1/1/2035	0.375	3/1/2005	123000	Cash Out Refinance	MTA	3.4	4/1/2005	9.95	205000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79612894	XXXXX X XXXXXX	95959	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	479200	Purchase	MTA	3.05	4/1/2005	9.95	600000	599000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79623247	XXXX X XXXXXXXXX	48154	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	238400	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	298000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79625880	XXXXXXX X XXXXXX	89131	Primary	PUD	N	360	359	55.32	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	260000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79653131	XXXX X XXXXXXXX	80128	Investor	Condominium	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	136000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	170000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79674510	XXXXXXX X XXXXXXX	91745	Primary	Single Family	N	360	359	79.38	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	508000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	640000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79676974	XXXXX XXXXXXXX	89052	Investor	PUD	N	360	358	66.88	5.25	2/1/2005	1/1/2035	0.375	4/1/2005	267500	Rate/Term Refinance	MTA	3.275	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79698073	XXXXXXX X. XXXX	92562	Investor	Single Family	N	360	358	65	5.125	2/1/2005	1/1/2035	0.375	5/1/2005	364000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	560000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79702481	XXXXXXXXX XXXXXXX	94585	Investor	Single Family	N	360	358	80	5.375	2/1/2005	1/1/2035	0.375	3/1/2005	280000	Purchase	MTA	3.327	4/1/2005	9.95	350000	350000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79706898	XXXXX X XXXXXXXXX	91730	Investor	Condominium	N	360	358	63.52	5.25	2/1/2005	1/1/2035	0.375	3/1/2005	155000	Purchase	MTA	3.275	4/1/2005	9.95	244000	244000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79715299	ADRIANA RAIHER	91356	Primary	Condominium	N	360	359	75	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	236250	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	315000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79731930	XXXX X. XXXXXXX Xx.	92069	Investor	Condominium	N	360	358	70	5	2/1/2005	1/1/2035	0.375	3/1/2005	133700	Purchase	MTA	3.025	4/1/2005	9.95	191000	191000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79732346	XXXX XXXXXXX Xx.	95630	Primary	Single Family	N	360	359	80	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	440000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79753492	XXXXXXX XXX XXXXXX	92595	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	280000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	350000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79758853	XXXXXXX XXXXXX	33321	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	2/1/2005	220000	Purchase	MTA	3.05	4/1/2005	9.95	275000	275000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79762366	XXXXXXXX X XXXXXXXXX	7927	Primary	Condominium	N	360	358	28.13	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	90000	Cash Out Refinance	MTA	2.65	4/1/2005	9.995	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79763526	XXXXXX XXXXXXX	8753	Primary	Single Family	N	360	358	72.52	4.625	2/1/2005	1/1/2035	0.375	2/1/2005	190000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	262000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79773951	XXXXXXX XXXXXXXX	92557	Primary	Single Family	N	360	359	73.47	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	216000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	294000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79776471	HO XXXX XXXXX	00000	Xxxxxxx	XXX	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	448000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	560000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79796642	XXXXX X XXXXXXX	64068	Primary	Single Family	N	360	358	74.95	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	341000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	455000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79799330	XXXXXXXXXXX X XXXXXXXX	95670	Investor	Two-Four Family	N	360	358	80	2.125	2/1/2005	1/1/2035	0.375	3/1/2005	400000	Purchase	MTA	3.375	4/1/2005	9.95	501000	500000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79804947	XXXXXX X XXXXXXXX	23322	Investor	Single Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	125600	Rate/Term Refinance	MTA	3.025	4/1/2005	9.95	157000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79810636	XXX X. XXX	89511	Primary	Single Family	N	360	358	73.91	5	2/1/2005	1/1/2035	0.375	2/1/2005	425000	Rate/Term Refinance	MTA	3	4/1/2005	9.95	575000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79842920	XXXX XXXXXX	89015	Primary	PUD	N	360	358	76.66	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	270600	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	353000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79842976	XXXXXX XXXXXXXX	96002	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	496000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	620000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79843848	XXXXXX XXXXXXXXX	91744	Primary	Single Family	N	360	359	78.22	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	285500	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79846688	XXXXXXX XXXXXX	93930	Primary	Single Family	N	360	358	80	4.875	2/1/2005	1/1/2035	0.375	3/1/2005	309599	Purchase	MTA	2.9	4/1/2005	9.95	387000	386999	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79850081	XXXXX XXXXX	93444	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	404000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	505000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79871131	XXXXX XXXXXXXX	8701	Investor	Two-Four Family	N	360	358	80	5	2/1/2005	1/1/2035	0.375	3/1/2005	264000	Purchase	MTA	3.025	4/1/2005	9.95	330000	330000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79871531	XXXX X XXXXX	95628	Investor	Two-Four Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	319200	Purchase	MTA	3.025	4/1/2005	9.95	400000	399000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79876420	XXXXX XXXXXXX	8857	Primary	Single Family	N	360	358	75	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	956250	Purchase	MTA	2.65	4/1/2005	9.95	1650000	1275000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79883325	XXXX X XXXXXXX Xx.	94553	Primary	Single Family	N	360	359	75.76	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	660000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79883853	XXXXX X XXXXXXXXX	93065	Primary	Single Family	N	360	359	77.78	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	420000	Cash Out Refinance	MTA	2.35	4/1/2005	9.95	540000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79894174	GARDELIO C MANTUHAC	93905	Primary	Single Family	N	360	360	60.34	1	4/1/2005	3/1/2035	0.375	3/1/2005	350000	Purchase	MTA	2.775	4/1/2005	9.95	610000	580000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79901247	XXXX X. XXXXXXXX	25414	Primary	PUD	N	360	359	78.64	1.75	3/1/2005	2/1/2035	0.375	4/1/2005	405000	Cash Out Refinance	MTA	2.6	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79906256	XXXX XXXXXX	22485	Primary	Single Family	N	360	358	79.7	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	267000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	335000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79907888	XXXXX XXXXX	00000	Primary	PUD	N	360	359	75	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	401250	Purchase	MTA	3.05	4/1/2005	9.95	540000	535000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79917809	XXXXXXX X XXXXXX	33991	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	146400	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	183000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79932920	XXXX XXXX	84043	Investor	Single Family	N	360	360	77.73	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	99500	Rate/Term Refinance	MTA	3.25	4/1/2005	9.95	128000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79933136	XXXXX XXXXX XXX XXXX	00000	Xxxxxxx	XXX	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	240124	Purchase	MTA	3.05	4/1/2005	9.95	302000	300155	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79933544	XXXXXXXXX XXXXXX	00000	Xxxxxxx	XXX	N	360	359	54.62	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	166600	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	305000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79937337	XXXXXX XXXXXXXXX	33024	Primary	Condominium	N	360	358	95	4.875	2/1/2005	1/1/2035	0.375	3/1/2005	161500	Purchase	MTA	2.9	4/1/2005	9.95	170000	176000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79942441	XXXXXX X. XXXXXXXXX	75859	Second Home	PUD	N	360	359	75	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	363750	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	485000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79945746	XXXXX X XXXXXXX	85268	Primary	PUD	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	717750	Purchase	MTA	2.65	4/1/2005	9.95	980000	957000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79946834	XXXXXX XXXXXXXXXXX	98031	Primary	Single Family	N	360	359	75.56	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	238000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	315000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79952299	XXXXXX X XXXXXXXX	00000	Xxxxxxx	XXX	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	153600	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	192000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79953459	XXXXX X XXXXXXXX	94928	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Purchase	MTA	2.65	4/1/2005	9.95	625000	625000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79954179	XXXXXXXX XXXXXXXX	00000	Xxxxxxx	XXX	N	360	358	63.75	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	255000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79957819	XXXX X XXXX	48009	Primary	Single Family	N	360	360	75	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	716250	Rate/Term Refinance	MTA	2.75	7/1/2005	9.95	955000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79957867	XXXXXX XXXX XXXX	91766	Primary	Single Family	N	360	359	67.69	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	220000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79964916	XXXX XXXXX XXXXXX	94563	Primary	Single Family	N	360	359	69.91	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	762000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	1090000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79972109	XXXX XXXX	89149	Primary	Single Family	N	360	359	69.54	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	420000	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	604000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79978014	XXXXXXX XXXXXX	84058	Primary	Single Family	N	360	360	89.36	2	4/1/2005	3/1/2035	0.375	4/1/2005	142980	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	160000	0	Negam MTA	0.46	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79984199	XXX X XXXXX	11368	Primary	Two-Four Family	N	360	358	73.28	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	425000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	580000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79986583	XXXXX XXX XXXXXX XXXXXXXXX	00000	Xxxxxxx	XXX	N	360	358	66.9	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	475000	Cash Out Refinance	MTA	2.625	4/1/2005	9.95	710000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
79987863	XXXX X XXX	95687	Primary	PUD	N	360	360	78.38	1	4/1/2005	3/1/2035	0.375	4/1/2005	290000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	370000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79990191	XXXX X XXXXXXX	33778	Primary	Single Family	N	360	358	80	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	169600	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	212000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79993224	WONDER M XXXXX	90703	Primary	Single Family	N	360	359	45.65	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	315000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	690000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79994144	XXXXXXX XXXXXX XXXXXXX	61080	Primary	Single Family	N	360	358	61.41	4.75	2/1/2005	1/1/2035	0.375	3/1/2005	113000	Cash Out Refinance	MTA	2.75	4/1/2005	9.95	184000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
79996616	XXXXXX XXXXX	91977	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	392000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80004913	XXXXXXX X XXXXXXXX	94110	Primary	Condominium	N	360	359	80	4.375	3/1/2005	2/1/2035	0.375	4/1/2005	560000	Purchase	MTA	2.3	4/1/2005	9.95	700000	700000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80006985	XXXX X XXXXXX	90650	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	304000	Purchase	MTA	2.65	4/1/2005	9.95	380000	380000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80017467	XXXXXXX X XXXXXX	33323	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	176000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	220000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80021923	XXXXXXX X XXXXXX	95404	Primary	Single Family	N	360	359	70.32	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	713000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	1014000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80027156	XXXXXXX XXXXX	90249	Primary	Single Family	N	360	359	70.91	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	312000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	440000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80033173	XXXXX XXXXXX	90601	Primary	Single Family	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	312000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	390000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80035421	XXXXXX XXXXXX XXXX	95118	Primary	Condominium	N	360	359	75.18	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	209000	Rate/Term Refinance	MTA	3	5/1/2005	9.95	278000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80035429	XXXXXX XXXXXX XXXX	95219	Investor	Single Family	N	360	359	60.44	2.125	3/1/2005	2/1/2035	0.375	4/1/2005	272000	Rate/Term Refinance	MTA	3.375	5/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80038261	XXXXX XXXXXXXX	91724	Primary	Single Family	N	360	359	78.61	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	327000	Rate/Term Refinance	MTA	2.75	4/1/2005	9.95	416000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80038589	XXXXX XXXXXX XXXXXXXXXXXX	00000	Xxxxxxx	XXX	N	360	358	75	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	525000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80041774	XXXXX X XXXXXXX	91789	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	595200	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	744000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80044414	XXXXX XXXXXX	94086	Primary	Single Family	N	360	359	74.55	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	410000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80047767	ROSS PAUL WILSON	92647	Primary	Single Family	N	360	359	53.75	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	344000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	640000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80048503	BLAINE GARFOLO	94509	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	412000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80048583	ARTEMIO MORALES	94587	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	276000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	345000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80049503	ROSIE M BENITEZ	93720	Primary	Single Family	N	360	359	78.45	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	222000	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	283000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80053359	FELIPE LANDIN	93446	Primary	Single Family	N	360	359	75	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	225000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80059232	MARIA S FERRER	91324	Primary	Single Family	N	360	358	78.65	5.125	2/1/2005	1/1/2035	0.375	2/1/2005	350000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	445000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80059248	MICHAEL L MERRITT	92009	Primary	PUD	N	360	359	72.12	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	595000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	825000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80063408	FREDERICK A WIGINTON	13492	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	140000	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80064393	RONN YASUI	92656	Primary	PUD	N	360	359	57.05	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	425000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	745000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80065201	LAWRENCE V CARRA	11771	Investor	Single Family	N	360	360	75	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	431250	Purchase	MTA	3.025	5/1/2005	9.95	580000	575000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80068025	STEVEN R DUBINSKY	60035	Primary	Single Family	N	360	360	80	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	920000	Rate/Term Refinance	MTA	2.75	7/1/2005	9.95	1150000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80068169	JAMES DAMASCIO HANNAN	92870	Primary	PUD	N	360	359	94	5	3/1/2005	2/1/2035	0.375	3/1/2005	291400	Purchase	MTA	3.025	4/1/2005	9.95	310000	310000	Negam MTA	0.78	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80069449	GERI KATE MACALINO	90703	Primary	Single Family	N	360	359	53.73	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	360000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	670000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80074826	STEPHEN CHABOT	90048	Primary	Condominium	N	360	359	80	4.125	3/1/2005	2/1/2035	0.375	3/1/2005	504000	Purchase	MTA	2.15	4/1/2005	9.95	630000	630000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80075514	JUAN IGNACIO MUGUERCIA	33014	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	138400	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	173000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80075818	IN JAE BAE	91765	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	4/1/2005	368000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	460000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80080067	STEVEN SOBOLEVSKY	92270	Second Home	PUD	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	494320	Purchase	MTA	3.05	4/1/2005	9.95	620000	617900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80084291	ALLA GARKAVENKO	92270	Primary	PUD	N	360	359	78.31	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	650000	Purchase	MTA	3.05	4/1/2005	9.95	830000	830000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80086603	FELIX JUNG	90631	Primary	PUD	N	360	359	76.47	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	650000	Purchase	MTA	2.65	4/1/2005	9.95	880000	850000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80090572	FRANCIS J CAPOBIANCO Jr.	95864	Primary	Single Family	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80091356	WILLIAM SHERMAN	33483	Primary	PUD	N	360	359	74.2	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	742000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	1000000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80093060	RICHARD R MONETTI	92672	Primary	Single Family	N	360	359	71.43	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80099373	TIMOTHY BAIRD	48178	Primary	Single Family	N	360	359	95	5.75	3/1/2005	2/1/2035	0.375	3/1/2005	154850	Rate/Term Refinance	MTA	3.775	4/1/2005	9.95	163000	0	Negam MTA	0.72	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80099421	JOSEPH J BAKOSH	85268	Primary	Single Family	N	360	359	78.33	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	282000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80101957	STACEY STILL	95991	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	260000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80102949	EARL JACKSON	20877	Primary	PUD	N	360	359	60.96	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	292000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	479000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80105294	HOWARD G TOY	89128	Primary	PUD	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	400000	Purchase	MTA	3.05	4/1/2005	9.95	500000	500000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80109078	MICHELLE JOHNSON	48509	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	72000	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	90000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80109854	SCOTT THOMAS AUBIN	92603	Primary	Condominium	N	360	359	78.79	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	650000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	825000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80115535	JAVIER DUENAS	95205	Primary	Single Family	N	360	358	67.23	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	160000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	238000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80120960	CARL ALEXANDER CEDARSTAFF	90815	Primary	Single Family	N	360	359	50.51	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	495000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80123304	GAYLYNN L BODIFORD	92821	Primary	Single Family	N	360	358	20.41	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	120000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	588000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80123992	VERONICA VILLANUEVA	95132	Primary	Single Family	N	360	359	76.69	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	464000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	605000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80125912	MARTIN ELIZONDO	90262	Investor	Single Family	N	360	358	80	1.75	2/1/2005	1/1/2035	0.375	3/1/2005	244000	Purchase	MTA	3	4/1/2005	9.95	305000	305000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80125952	RICHARD MARKS	60614	Primary	PUD	N	360	360	80	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	760000	Cash Out Refinance	MTA	2.75	7/1/2005	9.95	950000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80126424	RODRIGO LEVY	60091	Primary	Single Family	N	360	360	38.83	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	1000000	Rate/Term Refinance	MTA	2.75	7/1/2005	9.95	2575000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80126952	DAVID ALEXANDER DARCY	60614	Primary	Condominium	N	360	360	78.48	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	494400	Rate/Term Refinance	MTA	2.75	6/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80127472	LOU CANELLIS	60610	Primary	Condominium	N	360	360	73.81	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	620000	Rate/Term Refinance	MTA	2.75	7/1/2005	9.95	840000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80128249	BOBBY KESSER	89148	Primary	PUD	N	360	359	72.22	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	263600	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80128465	LAUREN TRAINOR	92646	Primary	Single Family	N	360	359	74.9	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	558000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	745000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80128761	RICHARD BLACKMAN	89121	Primary	Single Family	N	360	360	74.62	1	4/1/2005	3/1/2035	0.375	3/1/2005	242500	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80129153	HENRY BRYK	8221	Primary	PUD	N	360	359	75.82	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	345000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	455000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80129449	KARL ERIC EHRHARDT	85234	Primary	PUD	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	200000	Cash Out Refinance	MTA	3.15	5/1/2005	9.95	250000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80129793	LISA M SMITH	85225	Primary	PUD	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80133273	MICHAEL D GOLD	92084	Primary	Condominium	N	360	359	79.13	4.625	3/1/2005	2/1/2035	0.375	2/1/2005	291200	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	368000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80135634	JUAN A GONZALEZ	95209	Primary	PUD	N	360	359	73.68	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	280000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	380000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80135714	MARQUES J BUCK	94513	Primary	Single Family	N	360	359	79.31	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	425500	Cash Out Refinance	MTA	2.75	4/1/2005	9.95	536500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80136458	SANG MI CHOI	92602	Primary	Condominium	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	527200	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	659000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80136730	JOHN RYAN PERELL	92014	Primary	Single Family	N	360	359	64.5	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	1064200	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	1650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80138530	REBECCA S PARKER	95404	Primary	Single Family	N	360	358	55	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	1501500	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	2730000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80139834	HORACE D MOORE	33905	Primary	Single Family	N	360	359	61	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	61000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	100000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80142258	BRADLEY ALLEN SMITH	98332	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	488000	Cash Out Refinance	MTA	2.95	4/1/2005	9.95	610000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80143074	XXXXX XXXXXXX	95843	Investor	Single Family	N	360	360	70	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	224000	Purchase	MTA	3.025	4/1/2005	9.95	320000	320000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80149803	XXXXX XXXXXX XXXXXXX	22314	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	468000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	585000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80150219	XXXXX XXXXXXX	90275	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	772000	Purchase	MTA	2.65	4/1/2005	9.95	965000	965000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80151812	XXXXX X XXXXXXXX	89123	Primary	Single Family	N	360	359	67.65	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	230000	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80152268	XXXXXXX XXXXXX	95476	Investor	Single Family	N	360	360	70	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	332500	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	475000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80152652	XXXXXX X XXXXXXXX	85203	Primary	Single Family	N	360	359	79.27	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	218000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80154220	XXXX X XXXXXX	92508	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	440000	Rate/Term Refinance	MTA	3.075	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80154356	XXXXXX XXXXXX	94518	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	360000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80154724	XXXXX XXXXXXX	33130	Primary	Condominium	N	360	360	95	2	4/1/2005	3/1/2035	0.375	3/1/2005	327750	Purchase	MTA	3.05	4/1/2005	10.95	345000	345000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80155556	XXXXXX X. XXXXX	33129	Primary	Condominium	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	456000	Purchase	MTA	2.65	4/1/2005	9.95	570000	570000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80156276	XXXXXX XXXXX XXXXX	95835	Primary	Single Family	N	360	359	76.77	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	357000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	465000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80157268	XXXXXXX XXXXX	92602	Investor	Condominium	N	360	360	70	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	283500	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	405000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80157308	XXXXXX XXXXXXXXX	92804	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	424000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80157740	XXXXXXX X XXXXX	92656	Investor	Condominium	N	360	360	70	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	290500	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	415000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80159356	YAS BARADARAN	95403	Primary	Condominium	N	360	359	59.79	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	281000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80159437	XXXXX XXXX	92701	Investor	Single Family	N	360	359	56.25	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	225000	Cash Out Refinance	MTA	3.125	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80159509	XXXX XXXXXX	00000	Xxxxxxxx	XXX	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	250250	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	385000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80159645	XXXXX XXXX	92701	Investor	Two-Four Family	N	360	359	57.6	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	360000	Cash Out Refinance	MTA	3.125	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80160677	XXXXXXXX XXXXXXX	94044	Primary	Condominium	N	360	359	77.27	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	340000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	440000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80161229	XXXXXXX X. XXXXXXX	32256	Primary	Condominium	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	125600	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	157000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80162693	XXXXXXX XXXXXXXXX	00000	Xxxxxxx	XXX	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	2/1/2005	248000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	310000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80163477	XXXXXX X XXXXXXXX	97060	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	151200	Cash Out Refinance	MTA	3	5/1/2005	9.95	189000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80163485	XXXXXX X. XXXXXX	89015	Primary	Single Family	N	360	359	76.85	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	425000	Cash Out Refinance	MTA	3	5/1/2005	9.95	553000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80163853	XXXXX XXX	91201	Primary	Condominium	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	260000	Purchase	MTA	2.65	4/1/2005	9.95	325000	325000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80165917	XXXXX X. XXXXX	97223	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	172000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	215000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80166941	XXXXXXX XXXXXX	94538	Primary	Condominium	N	360	359	55.08	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	217000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	394000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80167333	XXX X XXXXXXX	84075	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	236000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	295000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80167782	XXXX XXXXXXXXX	92064	Primary	Single Family	N	360	359	72.69	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	690600	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	950000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80168710	XXXXX X XXXXX	98042	Primary	PUD	N	360	358	62.72	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	175000	Cash Out Refinance	MTA	2.65	4/1/2005	10.95	279000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80168726	XXXX XXXXXXX	95386	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	385600	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	482000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80168806	XXX X. XXXXX	90037	Primary	Single Family	N	360	359	63.16	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	240000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	380000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80169262	XXXXX X XXXXXXX	33921	Second Home	Condominium	N	360	359	61.11	1.75	3/1/2005	2/1/2035	0.375	4/1/2005	275000	Purchase	MTA	2.8	5/1/2005	9.95	460000	450000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80171094	XXXXXXX M LOVE	91730	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	256000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80174238	XXXX XXXXXX	85258	Primary	PUD	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	504000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80181911	XXXX XXXXXXXX	91362	Primary	Condominium	N	360	358	73.39	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	327000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80184472	XXXXXXX X. XXXXXXX	95658	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	800000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80184584	XXXXXXX X XXXX	95322	Primary	Single Family	N	360	359	79.17	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	304000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	384000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80184728	XXXXX X. XXXXXXX	95018	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	380000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	475000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80185800	XXXXX X. XXXXX	91390	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	424000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80187128	XXXXXXX XXXXXX	91325	Primary	Single Family	N	360	359	78.57	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	550000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80190040	XXXXXXX X XXXXX	90220	Primary	Single Family	N	360	359	69.23	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	225000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80190408	G. XXXXX XXXXXX	19709	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	404000	Purchase	MTA	2.65	4/1/2005	9.95	505000	505000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80193561	XXXXXX X. XXXXXXXXX	48632	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	70400	Rate/Term Refinance	MTA	2.8	5/1/2005	9.95	88000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80193977	XXXX XXXXXXX XXXX	92029	Primary	Single Family	N	360	359	75	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	480000	Purchase	MTA	2.65	4/1/2005	9.95	640000	640000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80194729	XXXXXX X XXXXXXX	94611	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	852000	Purchase	MTA	2.65	4/1/2005	9.95	1340000	1065000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80195329	XXXXXXX XXXXXXX	92688	Primary	Condominium	N	360	359	50.16	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	320000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	638000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80198025	XXXXXX X XXXXXXXXX	8110	Primary	Single Family	N	360	359	78.97	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	154000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	195000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80198401	XXXX XXXXX Xx.	91739	Primary	Single Family	N	360	358	76.98	4.75	2/1/2005	1/1/2035	0.375	3/1/2005	408000	Cash Out Refinance	MTA	2.75	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80201954	XXXX XXXXX XXXXXXXXX	85212	Primary	PUD	N	360	359	77.88	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	162000	Cash Out Refinance	MTA	2.85	5/1/2005	9.95	208000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80203866	XXXXX X. XXXXX	00000	Xxxxxxx	XXX	N	360	360	70	1	4/1/2005	3/1/2035	0.375	3/1/2005	649250	Purchase	MTA	2.4	4/1/2005	9.95	930000	927500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80206242	XXXXXX X XXXXX	20175	Primary	Single Family	N	360	359	77.65	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	264000	Cash Out Refinance	MTA	2.5	4/1/2005	10.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80207427	XXXXX XXXXXXXX	34135	Investor	Condominium	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	148000	Purchase	MTA	2.525	4/1/2005	9.95	185000	185000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80210611	XXXXXX XXXXX-XXXXX XXXX	92675	Primary	PUD	N	360	359	58.48	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	1000000	Purchase	MTA	2.4	4/1/2005	9.95	1730000	1710000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80213203	XXXXX XXXX	11566	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	480000	Purchase	MTA	2.5	4/1/2005	9.95	600000	600000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80222932	XXXXXX X XXXXXXX Xx.	90660	Primary	Single Family	N	360	359	78.5	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	314000	Rate/Term Refinance	MTA	2.6	5/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80226989	XXXXX X XXXXXX	94559	Investor	Single Family	N	360	359	70	5	3/1/2005	2/1/2035	0.375	3/1/2005	315000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80227069	XXXXXXX X. XXXXXXX	92887	Primary	Single Family	N	360	359	51.03	4.125	3/1/2005	2/1/2035	0.375	3/1/2005	740000	Rate/Term Refinance	MTA	2.15	4/1/2005	9.95	1450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80234382	XXXXXXX X'XXXXX	32086	Second Home	Condominium	N	360	360	79.45	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	116000	Rate/Term Refinance	MTA	2.6	6/1/2005	9.95	146000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80234422	XXXXXX X XXXXXXXXX	48304	Primary	Single Family	N	360	360	66.7	1	4/1/2005	3/1/2035	0.375	3/1/2005	303500	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	455000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80234566	XXXXXXX X XXXXXXX	82801	Primary	Single Family	N	360	360	47.2	1.75	5/1/2005	4/1/2035	0.375	4/1/2005	67500	Rate/Term Refinance	MTA	3	7/1/2005	9.95	143000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80238654	XXXXX MAN NO	90065	Primary	Condominium	N	360	359	79.97	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	527000	Purchase	MTA	2.4	4/1/2005	9.95	659000	659000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80239623	XXXXXX X XXXXX	92128	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	504000	Purchase	MTA	2.65	4/1/2005	9.95	630000	630000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80241999	XXXXXX XXXXXXXX XXXXXXXX	91744	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	272000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80244695	XXXXX XXXXX	8753	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	360000	Purchase	MTA	2.5	6/1/2005	9.95	450000	450000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80244775	XXXXXXXX XXXXX	92840	Primary	PUD	N	360	360	78.05	1	4/1/2005	3/1/2035	0.375	4/1/2005	320000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80246055	XXXXXXX X XXXXXX	95476	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	404000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	505000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80246503	XXXXXX XXXXX	89121	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	177600	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	222000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80247280	XXXXX XXXXXX	89122	Primary	PUD	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	224000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80247992	XXXXXXX X XXXXXXXXXX	00000	Xxxxxxx	XXX	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	552000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	690000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80249112	XXXXXXX X XXX	94531	Primary	Single Family	N	360	359	79.86	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	555000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	695000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80249880	XXXXXX X XXXXX	76053	Investor	Single Family	N	360	359	69.95	2.125	3/1/2005	2/1/2035	0.375	3/1/2005	53150	Cash Out Refinance	MTA	2.925	5/1/2005	9.95	75987	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80250568	XXXXXXX XXX XXXXXX	83333	Primary	Single Family	N	360	360	45	1	4/1/2005	3/1/2035	0.375	4/1/2005	450000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	1000000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80254480	XXXXXXX X XXXX	91040	Primary	Single Family	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	3/1/2005	448000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	560000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80254704	XXXX X XXXXX III	92128	Investor	Condominium	N	360	359	65.62	5	3/1/2005	2/1/2035	0.375	3/1/2005	292000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	445000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80261561	XXXXX X XXXXXX	92880	Primary	Single Family	N	360	359	79.99	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	331550	Purchase	MTA	2.4	4/1/2005	9.95	414500	414476	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80262337	F XXXXXXX XXXXXXXX XX	94027	Primary	Single Family	N	360	359	50	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	1500000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	3000000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80263970	XXXXX X. XXXX	91321	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	920000	Purchase	MTA	2.65	4/1/2005	9.95	1160000	1150000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80264338	XXXXX XXXXX	94602	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	440000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80264882	XXXXXXX X. XXXXXXXXX	92078	Primary	Single Family	N	360	359	80	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	579200	Purchase	MTA	2.4	4/1/2005	9.95	725000	724000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80265642	XXXXXX X XXXXX	48706	Primary	Single Family	N	360	359	87.38	5.25	3/1/2005	2/1/2035	0.375	4/1/2005	90000	Rate/Term Refinance	MTA	3.275	4/1/2005	9.95	103000	0	Negam MTA	0.46	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80268426	XXXXX X XXXXXXXX	33070	Primary	Single Family	N	360	359	73.02	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	1000000	Purchase	MTA	2.65	4/1/2005	9.95	1370000	1369500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80269826	XXXXX VAN METER-XXXXXXXXX	91343	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	420000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	525000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80270218	XXX XXXXXX	91733	Investor	Two-Four Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	344000	Purchase	MTA	2.875	4/1/2005	9.95	430000	430000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80270282	XXXXXXX XXXXXX	90266	Investor	Condominium	N	360	360	74.67	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	560000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	750000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80271667	XXXXXXX X. XXXXXXX	93455	Primary	Single Family	N	360	359	76.92	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80272243	XXXXXXX X XXXXXX	90638	Primary	Single Family	N	360	360	68.48	1	4/1/2005	3/1/2035	0.375	3/1/2005	359500	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	525000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80273395	XXXXXX XXXXXXXX	94521	Primary	PUD	N	360	359	69.19	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	685000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	990000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80274523	XXXXX X XXXXXXXXX	98004	Primary	Single Family	N	360	359	75	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	1443750	Purchase	MTA	2.65	4/1/2005	9.95	2100000	1925000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80275179	XXXX XXXXXXXXX	32176	Primary	Single Family	N	360	359	95	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	356250	Purchase	MTA	2.65	4/1/2005	9.95	375000	375000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80276915	XXXXXXX XXXX XXXXXXX	95822	Investor	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	256000	Purchase	MTA	2.775	4/1/2005	9.95	320000	320000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80278091	XXXXXXX X XXXXXXX	92211	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	392000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80282524	XXXX XXXXXX	90640	Primary	Single Family	N	360	359	19.78	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	89000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80284604	XXXX XXXXXXX	1505	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	320000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80286836	XXXXXXX XXXXXXX	11791	Primary	Single Family	N	360	360	70	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	1172500	Purchase	MTA	2.9	6/1/2005	9.95	1676000	1675000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80291317	XXXXXX X XXX	85251	Investor	Two-Four Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	252000	Purchase	MTA	3.025	4/1/2005	9.95	316000	315000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80293149	XXXXXX XXXXXX	7083	Primary	Single Family	N	360	359	80	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	336000	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	420000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80294117	XXXXXXX X. XXXXX	93442	Primary	Single Family	N	360	359	70.59	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	850000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80294837	XXXXXX XXXXXXXXXXX	98022	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	299200	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	374000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80299678	XXXXX X XXXXXXXX	96150	Second Home	Condominium	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	232000	Purchase	MTA	2.65	4/1/2005	9.95	290000	294500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80306591	XXXXXX XXXXXXXX	92571	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	220000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80307359	XXXXXXX XXXXX	89503	Primary	Single Family	N	360	359	75.95	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	281000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	370000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80309983	XXXX XXXXXXXXX	95687	Investor	Single Family	N	360	359	57.18	5	3/1/2005	2/1/2035	0.375	3/1/2005	243000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80310047	YOUNG ZOON KANG	92308	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	184000	Purchase	MTA	2.65	4/1/2005	9.95	230000	230000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80310247	XXXX XXXXXXXXX	95687	Investor	Two-Four Family	N	360	359	68.52	5	3/1/2005	2/1/2035	0.375	3/1/2005	418000	Purchase	MTA	3.025	4/1/2005	9.95	610000	610000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80310439	XXXXX XXXXX	94541	Primary	Single Family	N	360	359	74.95	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	386000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80311824	XXXXXXXXX H JI	90630	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	324000	Purchase	MTA	2.65	4/1/2005	9.95	405000	405000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80314016	XXXXXX XXXXXXXXXX	00000	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	636000	Purchase	MTA	2.65	4/1/2005	9.95	795000	795000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80315952	JIAWEN SHI	98119	Primary	Condominium	N	360	359	79.65	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	227000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	285000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80317168	XXXXXX XXX XXXXXXX XXXXXXX	90807	Primary	Single Family	N	360	359	74.14	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	450000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	607000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80317888	XXXXX XXXXXXXXX	93529	Investor	Single Family	N	360	359	57	5	3/1/2005	2/1/2035	0.375	3/1/2005	285000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80318688	XXXXXXXXX X XXXXXXX	81301	Primary	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	380800	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	476000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80320289	XXXXX XXXXXXX	90065	Primary	Single Family	N	360	359	79.93	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	368500	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	461000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80331858	XXXXXXX XXXXX	94558	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	552000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	690000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80332378	SOPEAR KEO	95122	Primary	Condominium	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	268000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	335000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80333802	XXXXXXX XXXXX	95624	Primary	PUD	N	360	360	79.96	1	4/1/2005	3/1/2035	0.375	4/1/2005	682800	Purchase	MTA	2.4	4/1/2005	9.95	853968	853968	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80335010	XXXXXXX X XXXXX	00000	Xxxxxxx	XXX	N	360	359	75	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	371250	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	495000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80335682	XXXX X XXXXXX	1821	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	298000	Purchase	MTA	2.4	4/1/2005	9.95	373000	372500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80335818	XXXXXX X XXXXXXX	95687	Primary	Single Family	N	360	359	73.79	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	321000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80337730	XXXXX XXXXX	55344	Investor	Two-Four Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	309200	Purchase	MTA	3.025	4/1/2005	9.95	387000	386500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80337787	XXXXX XXXXXXXX	89108	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	184000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	230000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80339163	XXXXXXX XXXXXX	00000	Primary	Single Family	N	360	359	77.78	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	350000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80341707	XXXXX D BELT	48067	Primary	Single Family	N	360	360	95	3.125	4/1/2005	3/1/2035	0.375	4/1/2005	194750	Rate/Term Refinance	MTA	3.775	4/1/2005	9.95	205000	0	Negam MTA	0.79	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80341923	XXXXX X XXXXXXX	48154	Primary	Single Family	N	360	360	71.92	1	4/1/2005	3/1/2035	0.375	3/1/2005	187000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	260000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80342747	WM SKIP CATCHING	92084	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	424000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80346852	XXXXX XXXXX XXXXXXXX	95076	Primary	Single Family	N	360	359	71.43	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	840000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80349132	XXXXXXX X. XXXX	92869	Primary	PUD	N	360	359	60.79	3.875	3/1/2005	2/1/2035	0.375	3/1/2005	1000000	Purchase	MTA	1.9	4/1/2005	9.95	1645000	1645000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80349252	XXXXXXX XXXXXXXXX	92115	Primary	Single Family	N	360	359	76.25	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	398000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	522000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80350428	XXXXXXX XXXX	00000	Xxxxxxxx	XXX	N	360	359	51.59	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	113500	Rate/Term Refinance	MTA	2.675	4/1/2005	9.95	220000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80351884	XXXXXX R CHAMOIS Jr.	91762	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	292000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80352660	XXXXX XXXXXX XXXXXXXXX	93436	Primary	Single Family	N	360	360	69.92	1	4/1/2005	3/1/2035	0.375	3/1/2005	314650	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80354165	XXXXX X XXXXXXX	93277	Primary	Single Family	N	360	359	72.55	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	185000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80354997	XXXXXX XXXXXXXX	95125	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	476000	Purchase	MTA	2.775	4/1/2005	9.95	595000	595000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80358437	XXXX X. XXXXX	94550	Primary	Single Family	N	360	359	54.12	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	460000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	850000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80358981	XXXXX XXXXXXX KING	60614	Primary	Condominium	N	360	360	75	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	2.9	6/1/2005	9.95	800000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80359541	XXXX XXX HOOKS	92557	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	368000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	460000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80361870	XXXX X XXXXXX	11795	Primary	Single Family	N	360	359	67.73	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	254000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	375000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80363038	XXXXXX X XXXX	98524	Primary	PUD	N	360	360	69.74	1	4/1/2005	3/1/2035	0.375	3/1/2005	212000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	304000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80363606	XXXX X. XXXXXX	92065	Investor	Two-Four Family	N	360	359	75	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	472500	Purchase	MTA	3.15	4/1/2005	9.95	630000	630000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80364982	XXXX XXXXXX	48382	Primary	Single Family	N	360	360	76.81	1	5/1/2005	4/1/2035	0.375	4/1/2005	265000	Rate/Term Refinance	MTA	2.8	5/1/2005	9.95	345000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80364998	XXXXXXX X XXXXXX	18055	Primary	Condominium	N	360	359	95	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	143450	Purchase	MTA	2.5	4/1/2005	9.95	153000	151000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80366190	XXXXXX XXXXXX	92563	Primary	Single Family	N	360	359	78.81	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	357000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	453000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80366230	XXXXX X XXXXXX	7104	Primary	Single Family	N	360	359	55.47	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	249600	Rate/Term Refinance	MTA	2.75	5/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80366990	XXXXX X XXXXXXXX	99117	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	65600	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	82000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80367830	XXXX X XXXXXXX	85250	Primary	Single Family	N	360	359	52.77	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	124000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	235000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80367870	XXXX XXXXXXXXX	33496	Primary	PUD	N	360	359	67.45	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	172000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80368686	XXXXXX XXXXXX	84058	Investor	Single Family	N	360	359	64.96	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	79900	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	123000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80369454	XXXX VIDA	7083	Primary	Single Family	N	360	360	63.25	1	4/1/2005	3/1/2035	0.375	3/1/2005	315000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	498000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80371015	XXXXX X. XXXXXXX	92677	Primary	Condominium	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	408000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80372903	XXXXX XXXXXXX	93060	Investor	Single Family	N	360	360	64.37	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	280000	Rate/Term Refinance	MTA	3.025	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80374975	XXXXX XXXXX XXXXXXX	92392	Primary	Single Family	N	360	359	79.52	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	233000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	293000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80375495	XXXXX XXXXXXX	85250	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	201600	Purchase	MTA	2.775	4/1/2005	9.95	253000	252000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80375511	XXXXXX X XXXXX	00000	Xxxxxxx	XXX	N	360	359	78.95	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	375000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	475000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80377679	EVE C GROVE	95831	Primary	PUD	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	552000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	690000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80377695	XXXXXX XXXXX XXXXX	93012	Second Home	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	408000	Purchase	MTA	2.8	4/1/2005	9.95	510000	510000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80378232	XXXXXXX XXXX	90240	Primary	Single Family	N	360	359	75	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	585000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	780000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80378544	XXXXX XXXXXXXX	92324	Primary	Condominium	N	360	359	77.14	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	135000	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80378816	XXXXXXX XXXXXXX	91902	Primary	Condominium	N	360	360	78.06	1	4/1/2005	3/1/2035	0.375	3/1/2005	363000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	465000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80383688	XXXX X XXXXX	90745	Investor	Single Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	304000	Purchase	MTA	3.025	4/1/2005	9.95	380000	380000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80383728	XXXXXXX X XXXXXXXXXX	00000	Xxxxxxxx	XXX	N	360	359	65	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	159250	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	245000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80384048	XXXXX XXXXXXXX	94546	Primary	Single Family	N	360	358	80	4.625	2/1/2005	1/1/2035	0.375	3/1/2005	408000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80385240	XXXXX X XXXXXXXX	92324	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	188000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	235000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80386393	XXXXXXX X XXXXXXX	33071	Primary	PUD	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	4/1/2005	424000	Purchase	MTA	2.8	6/1/2005	9.95	580000	530000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80388161	XXXXXX X XXXXX	92201	Primary	PUD	N	360	359	72.99	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	415000	Purchase	MTA	2.5	4/1/2005	9.95	569000	568570	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80388569	XXXX XXXXXXX	93953	Primary	Single Family	N	360	359	65	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	1088750	Purchase	MTA	2.65	4/1/2005	9.95	1675000	1675000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80388945	XXX XXXXXXXX	92694	Primary	PUD	N	360	359	68.63	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	700000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	1020000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80391857	XXXXXX X XXXXXXX	95636	Investor	Single Family	N	360	359	79.96	5	3/1/2005	2/1/2035	0.375	3/1/2005	163900	Purchase	MTA	3.025	4/1/2005	9.95	215000	204990	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80394546	XXXXXX X. XXXXXXX	90603	Primary	Single Family	N	360	359	75	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	570000	Rate/Term Refinance	MTA	2.35	4/1/2005	9.95	760000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80394562	XXXXXXX XXXX	2816	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	240000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80395698	XXXXX X XXXXXXX	74115	Primary	Single Family	N	360	359	74.62	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	48500	Cash Out Refinance	MTA	2.925	5/1/2005	9.95	65000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80398746	XXXXX X XXXXXX	89052	Second Home	PUD	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	1181250	Purchase	MTA	2.525	4/1/2005	9.95	1575000	1575000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80402107	XXXXX M KROMOS	48111	Primary	Condominium	N	360	360	77.16	1	4/1/2005	3/1/2035	0.375	3/1/2005	125000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	162000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80402907	XXXX XXXXXXX	91730	Primary	Condominium	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	212000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	265000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80403571	XXXXXXXX XXXXXXXX	90260	Primary	Single Family	N	360	359	79.58	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	382000	Purchase	MTA	2.65	4/1/2005	9.95	480000	480000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80403699	XXXX XXXXXXX	93065	Primary	Single Family	N	360	359	79.18	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	388000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80404491	XXXX X XXXXXXXXXXXX	96001	Second Home	Single Family	N	360	359	74.99	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	336800	Purchase	MTA	2.4	4/1/2005	9.95	449100	449100	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80405203	XXXXXX X XXXXXXXXX	93908	Primary	PUD	N	360	359	44.09	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	485000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	1100000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80407939	XXXXXX XXXXXX	00000	Xxxxxxxx	XXX	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	232000	Purchase	MTA	3.025	4/1/2005	10.325	290000	290000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80408323	XXXX XXX XXXXXXX	92308	Investor	Single Family	N	360	359	75	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	208500	Purchase	MTA	3.1	4/1/2005	9.95	278000	278000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80411860	XXXXXX X XXXXXXXXXX	95436	Primary	Single Family	N	360	359	78.56	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	381000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	485000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80412100	XXXXX X XXXXXXX	2745	Primary	Two-Four Family	N	360	359	49.13	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	142000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	289000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80412500	XXXXX X XXXXXXXX	84065	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	136000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	170000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80412588	SHUN XXXX XXXXX	85296	Second Home	PUD	N	360	359	70.45	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	155000	Purchase	MTA	2.4	4/1/2005	9.95	220000	220000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80414364	XXXX XXX	92394	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	226400	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	283000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80414436	XXXX X XXXXXXX	92211	Investor	PUD	N	360	359	54.72	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	145000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	265000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80414868	XXXXX X XXXXXX	95128	Primary	Single Family	N	360	359	73.28	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	480000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	655000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80415356	XXXX X XXXXXXXXXX	95337	Primary	Single Family	N	360	360	60.98	1	4/1/2005	3/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80415420	XXXXXX X XXXXXXX	55311	Investor	Condominium	N	360	360	79.81	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	164650	Purchase	MTA	2.875	4/1/2005	9.95	208000	206305	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80415692	XXXXXX XXXXXXX XXXXXXX	90260	Primary	Single Family	N	360	359	77.95	5	3/1/2005	2/1/2035	0.375	4/1/2005	304000	Cash Out Refinance	MTA	3	4/1/2005	9.95	390000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80421821	XXXXXXXX E SHRIMP	92675	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	517500	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	690000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80422949	XXXXX X XXXXXX	93402	Primary	Single Family	N	360	359	75	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	255000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80423085	XXXXXXXX XXXXXXXX	93405	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	560000	Purchase	MTA	2.65	4/1/2005	9.95	700000	700000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80425846	XXXXXX X XXXXXXXXX	95503	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	220000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80427190	XXXXXX M KINDLE	90043	Primary	Single Family	N	360	359	55.74	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	340000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	610000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80427414	XXXXX X XXXXXXX	93711	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	296000	Cash Out Refinance	MTA	2.85	6/1/2005	9.95	370000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80428166	XXXXXX SILVER	32082	Primary	PUD	N	360	359	78.7	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	443500	Cash Out Refinance	MTA	2.85	5/1/2005	9.95	563500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80429494	XXXX XXXXX	95116	Primary	Single Family	N	360	359	73.85	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	401000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	543000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80430966	XXXX XXXXXX Xx.	00000	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	176000	Purchase	MTA	2.8	4/1/2005	9.95	220000	220000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80432470	XXXX X XXXXXXX Xx.	95665	Primary	Single Family	N	360	359	70.18	4.125	3/1/2005	2/1/2035	0.375	3/1/2005	200000	Cash Out Refinance	MTA	2.15	4/1/2005	9.95	285000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80433406	XXXXXXX XXXXX	00000	Xxxxxxxx	XXX	N	360	360	74.05	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	650000	Purchase	MTA	3.15	4/1/2005	9.95	880000	877800	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80433542	XXXXXXX XXXXXXX XXXXXX	96148	Second Home	Single Family	N	360	359	75	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	408750	Purchase	MTA	2.65	4/1/2005	9.95	545000	545000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80433615	XXXX XXXXXX	32805	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	138400	Purchase	MTA	2.775	4/1/2005	9.95	173000	173000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80434343	MIKAIL X.X. XXXXXX	95959	Primary	Single Family	N	360	359	63.02	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	305000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	484000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80434663	XXXXXXX XXXXXXXX XXXXXXXX	91902	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	588000	Purchase	MTA	2.525	4/1/2005	9.95	740000	735000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80435639	YUN JU PARK	91011	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	540000	Purchase	MTA	2.725	4/1/2005	9.95	675000	675000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80438079	XXXXXXX X XXXXXX	33050	Primary	Single Family	N	360	359	75	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	506250	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	675000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80441736	XXXX M XXXX	00000	Xxxxxxx	XXX	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	592000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	740000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80442984	XXXXX X XXXX	97038	Second Home	PUD	N	360	360	74.96	1	4/1/2005	3/1/2035	0.375	3/1/2005	126600	Purchase	MTA	2.65	4/1/2005	9.95	169000	168900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80443328	XXXXXX X XXXXXXX	97038	Second Home	PUD	N	360	360	74.98	1	4/1/2005	3/1/2035	0.375	4/1/2005	129600	Purchase	MTA	2.65	4/1/2005	9.95	173000	172850	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80444272	XXXXXXXX XXX ALBAS	95363	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	372722	Purchase	MTA	2.65	4/1/2005	9.95	465903	465903	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80444480	XXXX XXXXXXXX	83709	Primary	PUD	N	360	359	68.57	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	216000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	315000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80447296	XXXXXXX X XXXXXX	92603	Primary	Condominium	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	559200	Purchase	MTA	2.675	5/1/2005	9.95	700000	699000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80447752	PHI XXX XXXXX	94536	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	520000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80447832	XXXXX SAMPLES	92108	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80447848	XXXXX X XXXXXXXX	90059	Primary	Single Family	N	360	360	74.72	1	4/1/2005	3/1/2035	0.375	3/1/2005	198000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	265000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80448136	XXXXX X XXXXXXXXX	93560	Primary	Single Family	N	360	360	75.32	1	4/1/2005	3/1/2035	0.375	3/1/2005	177000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	235000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80451481	XXX X XXXXXX	92883	Primary	PUD	N	360	359	65.63	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	315000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	480000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80452265	XXXXXX XXXXX XXXXX	92106	Primary	Condominium	N	360	359	46.78	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	292400	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80452473	XXXXXX XXXXXXX	95037	Primary	Single Family	N	360	359	64.07	1.75	3/1/2005	2/1/2035	0.375	4/1/2005	535000	Cash Out Refinance	MTA	2.8	5/1/2005	9.95	835000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80453985	XXXXXX XXXXXXX	33145	Primary	Single Family	N	360	359	75	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	228750	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	305000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80454985	XXXX X XXXXXXX Xx.	00000	Xxxxxxx	XXX	N	360	360	51.43	1	4/1/2005	3/1/2035	0.375	3/1/2005	126000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	245000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80456209	XXXXXXX XXXXXXXX	90631	Primary	Single Family	N	360	359	76.19	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	320000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	420000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80458954	XXXXXX X XXXXXXXX	48640	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	140000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80459898	XXXXXXXX XXXXXXXXX	95827	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	392000	Purchase	MTA	2.775	4/1/2005	9.95	490000	490000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80460402	XXXX-XXXXX HER	95129	Primary	Single Family	N	360	359	75	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	690000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	920000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80461546	YOUNG XXXX XXXX	91214	Primary	Single Family	N	360	359	78.74	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	635000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80461714	XXXXXX XXXXX	00000	Xxxxxxx	XXX	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	371200	Purchase	MTA	2.775	4/1/2005	9.95	464000	464000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80461882	XXXXXXXX XXXXX	94565	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	524000	Purchase	MTA	2.925	5/1/2005	9.95	675000	655000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80462018	XXXXX XXXX XXX XX	91020	Primary	Condominium	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	356000	Purchase	MTA	2.725	4/1/2005	9.95	445000	450000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80462882	XXXXXXX X XXXXXX	91941	Primary	Single Family	N	360	359	71.84	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	370000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80466715	XXXXX X. XXXXX	95758	Primary	PUD	N	360	360	74.24	1	4/1/2005	3/1/2035	0.375	3/1/2005	493700	Cash Out Refinance	MTA	2.025	4/1/2005	9.95	665000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80473403	XXXXX XXX	1516	Primary	Single Family	N	360	359	75	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	2.925	5/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80473459	XXXXXX X XXXX Xx.	91342	Primary	Single Family	N	360	359	77.12	4.625	3/1/2005	2/1/2035	0.375	2/1/2005	321600	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	417000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80473740	XXXXXXX X XXXXXXXX	80919	Primary	PUD	N	360	359	91.59	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	299500	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	327000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80474196	XXXXXXX X XXXXXX	48197	Primary	Single Family	N	360	360	77.78	1	4/1/2005	3/1/2035	0.375	3/1/2005	140000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	180000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80475476	XXXX X. XXXXXXX	95762	Primary	Single Family	N	360	358	80	5.125	2/1/2005	1/1/2035	0.375	2/1/2005	520000	Purchase	MTA	3.05	4/1/2005	9.95	650000	650000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80476116	XXXX X XXXXXXXXX	85365	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	320000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80476220	XXXXXXX X XXXXXXX	48095	Primary	Single Family	N	360	360	75.1	1	4/1/2005	3/1/2035	0.375	3/1/2005	424300	Rate/Term Refinance	MTA	2.275	4/1/2005	9.95	565000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80476772	XXXXXXX X XXXXXXX	30338	Primary	Single Family	N	360	359	80	4.125	3/1/2005	2/1/2035	0.375	3/1/2005	227200	Purchase	MTA	2.15	4/1/2005	9.95	294000	284000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80478020	XXXXXXXXX XXXXX	37206	Investor	Single Family	N	360	359	65	5.5	3/1/2005	2/1/2035	0.375	3/1/2005	74100	Cash Out Refinance	MTA	3.425	4/1/2005	9.95	114000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80478932	XXXXXX XXXXXXXXX	33460	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	248000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	310000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80479548	XXXX XXXXXXXXX	92130	Primary	Condominium	N	360	359	79.18	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	475000	Purchase	MTA	2.65	4/1/2005	9.95	600000	599900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80481004	XXXXXXX X XXXXXXX	49684	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	108000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	135000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80481797	XXXXXXX XXXXXXXXX	33185	Primary	Single Family	N	360	359	79.25	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	336000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	424000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80483253	XXXXX X XXXXX	92021	Primary	Condominium	N	360	359	67.16	4.5	3/1/2005	2/1/2035	0.375	4/1/2005	360000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	536000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80483637	XXXXX XXXX XXXXXXX	92083	Primary	PUD	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	284000	Purchase	MTA	2.575	4/1/2005	9.95	355000	355000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80484917	XXXXXXX XXXXX XXXXXX	49829	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	50400	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	63000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80485181	XXXX XXXXX XXXX	92694	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	625600	Purchase	MTA	2.15	4/1/2005	9.95	785000	782000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80485293	XXXXXX X XXXXXXXX	7405	Primary	PUD	N	360	359	76.92	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	400000	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80485437	LUKE XXXX XXXXXXXX	95476	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	598400	Purchase	MTA	2.6	5/1/2005	9.95	748000	748000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80485445	XXXXXXX X XXXXX	92835	Primary	Single Family	N	360	360	48	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	3	6/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80487677	XXXXXX X XXXXXX	98003	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	176000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	220000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80488549	XXXXX X. XXXXXX	94085	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	432000	Purchase	MTA	2.65	4/1/2005	9.95	540000	540000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80492310	XXXXXXXX XXXX	94553	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	324000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	405000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80493102	XXXXX XXXXXX	85331	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	316000	Purchase	MTA	2.4	4/1/2005	9.95	395000	395000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80494014	XXXXXXX XXXXXXX	91364	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	452000	Purchase	MTA	2.525	5/1/2005	9.95	565000	565000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80494174	CISKA XXXXX XXXXXXX	95125	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	456000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	570000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80494246	XXX X XXXXXXXX	84058	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	118400	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	148000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80494678	XXXXXXX X XXXXXXX	89031	Investor	PUD	N	360	359	70	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	183400	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	262000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80495086	XXXX XXXXX	92240	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	236000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	295000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80495710	XXXXXX XXXXXX	94404	Primary	Single Family	N	360	359	63.64	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	700000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	1100000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80496038	MATT J HACK	94509	Primary	Single Family	N	360	359	75	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	382500	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80496166	XXXXX X XXXXXX	95765	Primary	Single Family	N	360	359	75	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	412500	Rate/Term Refinance	MTA	2.4	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80496278	XXXXX XXXX	95035	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	444000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	555000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80497278	XXXXXXXXXXX X XXXX	91935	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	800000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80497406	XXXX XXXXXX	95205	Investor	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	150560	Purchase	MTA	3.15	4/1/2005	9.95	190000	188200	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80497991	XXXX XXXXXXXX	95336	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	288000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80498175	XXXXXXX XXXX XXXXXX	93930	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	280000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	350000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80498543	XXXXXXX X XXXX	92886	Primary	PUD	N	360	360	64.25	1	4/1/2005	3/1/2035	0.375	3/1/2005	257000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80499303	XXXXX X. XXXXXXX	00000	Xxxxxxx	XXX	N	360	359	51.76	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	249500	Rate/Term Refinance	MTA	2.4	4/1/2005	9.95	482000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80499871	XXXXXXX X XXXXX	48842	Primary	Single Family	N	360	360	79.07	1	4/1/2005	3/1/2035	0.375	3/1/2005	136000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	172000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80500711	XXXXXXXXX XXXXX	92084	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	388000	Cash Out Refinance	MTA	2.7	6/1/2005	9.95	485000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80502247	XXXXXX XXXXXX	94014	Primary	Single Family	N	360	359	74.36	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	580000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	780000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80506496	HYANG XXXX XXXX	92882	Primary	PUD	N	360	359	71.54	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	440000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	615000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80508640	RICHARD MARINO	33410	Investor	PUD	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	176800	Purchase	MTA	3.275	4/1/2005	9.95	221000	221000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80511408	JUDY WEISS	8701	Second Home	Condominium	N	360	359	78.79	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	177275	Purchase	MTA	2.5	4/1/2005	9.95	225000	225000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80513665	EDWARD F CARR	19803	Primary	Single Family	N	360	360	60.53	1	4/1/2005	3/1/2035	0.375	4/1/2005	227000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	375000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80514313	CAROL TOMLINSON	92612	Primary	Condominium	N	360	360	74.74	1	4/1/2005	3/1/2035	0.375	3/1/2005	437200	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	585000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80514905	ALLA KANTAROVICH	19114	Investor	Two-Four Family	N	360	359	70	5.5	3/1/2005	2/1/2035	0.375	3/1/2005	122500	Purchase	MTA	3.425	4/1/2005	9.95	175000	175000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80515817	SHAKILL I MURTAZA	85212	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	309600	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	387000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80518145	CECILIO R MERCADO	95121	Primary	PUD	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	492000	Rate/Term Refinance	MTA	2.4	4/1/2005	9.95	615000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80521826	PAULA F LESSARD	95632	Primary	Single Family	N	360	360	79.89	1	5/1/2005	4/1/2035	0.375	4/1/2005	303200	Purchase	MTA	2.9	5/1/2005	9.95	379500	379500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80521882	STEVE LEAVITT	95403	Primary	PUD	N	360	359	68.69	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	727900	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80522058	JOHN D. CABRAL	95307	Primary	Single Family	N	360	359	78.18	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	215000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80522490	DANIEL PENA	12590	Primary	Single Family	N	360	359	30.12	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	128000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80525762	DARIN HUGGS	91351	Primary	Single Family	N	360	359	78.43	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	320000	Cash Out Refinance	MTA	2.925	5/1/2005	9.95	408000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80526026	JOHN P BEAUMONT	81503	Second Home	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	233600	Purchase	MTA	2.65	4/1/2005	9.95	300000	292000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80526282	SHAHEEN TOURIAN	92103	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	578400	Purchase	MTA	2.775	4/1/2005	9.95	723000	723000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80527650	THEODORE D. AKINS	30094	Investor	PUD	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	108000	Rate/Term Refinance	MTA	3.025	4/1/2005	9.95	135000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80527962	MICHAEL BURRIS	92054	Investor	Two-Four Family	N	360	359	63.24	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	308000	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	487000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80529034	JORGE VALENCIANO	95131	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	552000	Purchase	MTA	2.65	4/1/2005	9.95	695000	690000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80529106	LARRY W GREGORY	85541	Primary	PUD	N	360	359	90	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	221625	Purchase	MTA	2.775	4/1/2005	9.95	247000	246250	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80529242	MELANIE ASPASIA TUCKER	94041	Primary	Single Family	N	360	359	69.87	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	545000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	780000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80529354	LORI A WALLER	89031	Investor	Single Family	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	169000	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	260000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80529362	EMILY ACQUAVELLA	7747	Primary	Condominium	N	360	359	53.44	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	140000	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	262000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80529539	LORI A WALLER	92104	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	632000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	790000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80530003	LORI A WALLER	89129	Investor	PUD	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	178750	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80531811	JOHNNY G SILVA	90805	Primary	Single Family	N	360	359	57.38	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	186500	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80532219	CRAIG ANDERSON	92563	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	360000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80533323	CHRIS ROCKWELLS TRAN	92843	Primary	Single Family	N	360	359	57.69	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80534843	ELIZABETH A AREVALO	92103	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	560000	Purchase	MTA	2.65	4/1/2005	9.95	700000	700000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80535995	LINDA L RUSSELL	94598	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	704000	Purchase	MTA	2.8	4/1/2005	9.95	880000	880000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80538564	JOSE A MEDRANO	22309	Primary	Condominium	N	360	360	70	1	4/1/2005	3/1/2035	0.375	3/1/2005	155400	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	222000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80541628	HOLLY O. WHATLEY	92223	Investor	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	268000	Purchase	MTA	2.65	4/1/2005	9.95	338000	335000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80542308	CHERYL FRANCES BIEN	90278	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	586400	Purchase	MTA	2.65	4/1/2005	9.95	733000	733000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80543276	S. RICHARD GOODALL	80026	Investor	Single Family	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	190400	Rate/Term Refinance	MTA	3.125	4/1/2005	9.95	238000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80543428	BASHARAT A GILANI	20151	Primary	Condominium	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	198400	Cash Out Refinance	MTA	2.6	5/1/2005	9.95	248000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80543884	RUBINA KHAN	94587	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	428000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	535000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80544100	JOHN I MOREY	55422	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	164000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	205000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80544708	JOSEPH D.C. ROSS	33029	Primary	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	394600	Purchase	MTA	2.775	4/1/2005	9.95	500000	493252	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80544748	ZACK T PERRYMAN	89503	Primary	Single Family	N	360	359	78.57	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	220000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80547005	MELISSA A STONE	95018	Primary	Single Family	N	360	359	75	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	346500	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	462000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80548573	LINDA A ZIPKIN	19073	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	720000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	900000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80549133	JERRY LEE CARTER	72712	Primary	Single Family	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	57000	Cash Out Refinance	MTA	2.75	5/1/2005	9.95	71250	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80549213	RICHARD G ELMENDORF	80487	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	615200	Purchase	MTA	2.65	4/1/2005	9.95	769000	769000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80550949	WILLIAM E LAWTON Jr.	32226	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	227200	Purchase	MTA	2.65	4/1/2005	9.95	306000	284000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80551717	MARK A SCHMITT	48837	Primary	Single Family	N	360	360	94.55	3.125	4/1/2005	3/1/2035	0.375	3/1/2005	243000	Rate/Term Refinance	MTA	3.775	4/1/2005	9.95	257000	0	Negam MTA	0.52	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80555286	JOHN E REDFIELD	8055	Primary	Single Family	N	360	359	76.51	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	359600	Cash Out Refinance	MTA	2.9	5/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80556190	MITCH RAY	30114	Primary	PUD	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	237600	Cash Out Refinance	MTA	2.8	6/1/2005	9.95	297000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80556678	WON CHAE LEE	91902	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	600000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	750000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80559022	CHARLES G. HENRY	94526	Primary	Single Family	N	360	359	52.49	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	475000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	905000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80559222	STEVEN R YAKEL	32606	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	162400	Cash Out Refinance	MTA	3.075	5/1/2005	9.95	203000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80560414	GREGORY BRAD DURO	89141	Second Home	PUD	N	360	360	44.12	1	4/1/2005	3/1/2035	0.375	3/1/2005	135000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	306000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80561302	RUBEN GARCIA	95965	Investor	Two-Four Family	N	360	359	65	5	3/1/2005	2/1/2035	0.375	3/1/2005	117000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	180000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80561463	RUBEN GARCIA	95965	Investor	Two-Four Family	N	360	359	65	5	3/1/2005	2/1/2035	0.375	3/1/2005	117000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	180000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80561791	ERICH S NEUBERT	92629	Primary	PUD	N	360	359	40.12	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	341000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	850000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80561983	JAMES PASSARELLI	90028	Primary	Single Family	N	360	359	66.67	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	750000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80562183	DIANE D. COLAIZZI	20016	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	680000	Purchase	MTA	2.5	4/1/2005	9.95	850000	850000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80563999	RAUL RUIZ Jr.	92805	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	341250	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	455000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80564903	CARLOS SILVA	92806	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	459200	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	574000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80564935	MARCO A. GAITAN	92882	Primary	Single Family	N	360	359	80	4.25	3/1/2005	2/1/2035	0.375	3/1/2005	552550	Purchase	MTA	2.275	4/1/2005	9.95	691000	690712	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80565487	GAYLE L JOHNSON	85032	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	212000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	265000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80565767	RUSSELL DOMINGO	90039	Primary	Single Family	N	360	359	47.89	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	2.6	5/1/2005	9.95	522000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80566927	JUAN V NAVARRO	91335	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	336000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	420000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80567167	ELCID DE LA CRUZ	95337	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	352800	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	441000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80567375	STEVEN LESTER ADAMS	92592	Primary	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	408000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80567447	HANS J. RIEGER	93311	Investor	Single Family	N	360	359	37.12	5.5	3/1/2005	2/1/2035	0.375	3/1/2005	80000	Purchase	MTA	3.425	4/1/2005	9.95	216000	215500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80567455	CHERYL L DAVIS	92025	Primary	Single Family	N	360	359	73.68	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	350000	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	475000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80569175	JUSTIN CROFT	92881	Primary	Single Family	N	360	359	79.14	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	368000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	465000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80569840	MICHAEL J PARMER	90241	Primary	PUD	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	292000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80570472	SHNORK DEMIRJIAN	91324	Primary	Single Family	N	360	359	75.7	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	571500	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	755000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80571632	MARIA SILVIA GONZALEZ	92870	Primary	Single Family	N	360	359	75	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	296250	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	395000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80572472	FRANCISCO MONTES	95076	Primary	Single Family	N	360	359	75.77	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	466000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	615000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80572768	ENRIQUE GUILLEN	92584	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	264000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	352000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80572784	ROSIE E PANTOJA	95076	Primary	PUD	N	360	359	75.88	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	368000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	485000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80573000	JERONIMO LOPEZ	95687	Investor	Single Family	N	360	360	65.48	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	275000	Purchase	MTA	2.775	4/1/2005	9.95	420000	420000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80573016	ARTURO RIOS	93930	Primary	Single Family	N	360	360	76.71	1	4/1/2005	3/1/2035	0.375	3/1/2005	280000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80573432	FRANCISCO J RODRIGUEZ	90650	Primary	Single Family	N	360	359	61.38	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	205000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	334000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80574048	DORI BOLLEN	90815	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	378400	Purchase	MTA	2.775	4/1/2005	9.95	476000	473000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80574104	BIRTHENNE G CHANDLER	94605	Primary	PUD	N	360	359	75	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	667500	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	890000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80575000	TOM H. BANKS	94597	Primary	Single Family	N	360	360	78.79	1	4/1/2005	3/1/2035	0.375	3/1/2005	650000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	825000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80575904	RICK D. GAUNA	93906	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	460000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	575000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80577609	WILLIAM BASTIDAS	92887	Primary	Condominium	N	360	359	50.37	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	204000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	405000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80577993	KARIN MICHELE	95832	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	220000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	275000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80578081	JOHN D JAMIESON	48047	Primary	Single Family	N	360	359	72.09	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	310000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	430000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80578233	GARY ROBINSON	95610	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	368000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	460000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80578545	HENRY J. ROBINSON	98155	Primary	Single Family	N	360	359	60	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	180000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80579761	NANCY C JAMES	92584	Primary	Single Family	N	360	360	70.12	1	4/1/2005	3/1/2035	0.375	3/1/2005	301500	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	430000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80580049	PETER G ANCHETA	94503	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	572000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	715000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80580273	JAMES B WALLACE	94510	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	509250	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	679000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80580953	ESTER R ARRIOLLA	90706	Primary	Single Family	N	360	359	69.01	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	245000	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	355000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80582121	RAM CHANDAR	94545	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	364000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	455000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80583513	FRANK WEIRATH	92675	Primary	PUD	N	360	359	47.62	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	840000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80583881	ALICE BEVER	92562	Investor	Single Family	N	360	360	78.27	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	335000	Rate/Term Refinance	MTA	3.15	5/1/2005	9.95	428000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80584745	RONALD RAMIREZ	92655	Primary	Single Family	N	360	359	77.67	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80585522	CYNTHIA ANDERSON	32208	Investor	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	68000	Purchase	MTA	2.9	4/1/2005	9.95	85000	85000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80586194	CYNTHIA ANDERSON	32208	Investor	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	68000	Purchase	MTA	2.9	4/1/2005	9.95	90000	85000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80587098	STEVEN A WYKES	48236	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	212000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	265000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80587234	JESSE S. VILLANUEVA	94559	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	452000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	565000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80587290	STEVE COSCARELLI	48837	Primary	Single Family	N	360	360	85	2.5	4/1/2005	3/1/2035	0.375	4/1/2005	192100	Rate/Term Refinance	MTA	3.15	4/1/2005	9.95	226000	0	Negam MTA	0.32	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80587538	GEORGE CRIMMINS	8742	Investor	Single Family	N	360	360	61.05	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	525000	Purchase	MTA	2.875	5/1/2005	9.95	860000	860000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80589746	TIMOTHY J LOPINSKI	48094	Primary	Single Family	N	360	359	79.66	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	474000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	595000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80591170	GINALENE GABRIEL	91709	Primary	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	420000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	525000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80591210	JOHN PANER	33637	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	293600	Purchase	MTA	2.8	4/1/2005	9.95	367000	367000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80592922	GEORGE ROBERTS	87501	Primary	Single Family	N	360	359	72.22	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	650000	Purchase	MTA	2.5	4/1/2005	9.95	930000	900000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80595315	O SEOG SEO	91311	Primary	Condominium	N	360	359	69.7	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	230000	Purchase	MTA	2.775	4/1/2005	9.95	330000	330000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80596307	KENNETH R GILL Jr.	98034	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80596691	MERIWEATHER C ENGSTROM	94403	Investor	Condominium	N	360	360	69.99	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	307400	Purchase	MTA	2.875	4/1/2005	9.95	440000	439200	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80596827	JENNIFER A JENKINS	92503	Primary	PUD	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	5/1/2005	464000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	580000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80596899	BALDEMAR SOLORIO	95307	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	4/1/2005	298904	Purchase	MTA	2.65	4/1/2005	9.95	380000	373631	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80598291	AHMED MOUJAHID	90260	Investor	Condominium	N	360	359	65	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	123500	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	190000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80598419	JUAN BARRAGAN	95231	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	263960	Purchase	MTA	2.725	4/1/2005	9.95	330000	329950	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80599419	DENNIS B KAY	93035	Second Home	Single Family	N	360	359	70	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	668500	Purchase	MTA	3.05	4/1/2005	9.95	955000	955000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80599859	JAMES R TURNER	80503	Primary	Single Family	N	360	359	72.63	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	650000	Purchase	MTA	2.775	4/1/2005	9.95	1350000	895000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80600107	PHUOC KHAC NGUYEN	94501	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	472000	Purchase	MTA	2.775	4/1/2005	9.95	590000	590000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80600347	STEVEN E MCEUEN	93433	Investor	Single Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	296000	Purchase	MTA	3.025	4/1/2005	9.95	370000	370000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80600995	SUNG WEON HONG	91326	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	496000	Purchase	MTA	2.65	4/1/2005	9.95	620000	670000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80601195	DALE D STOCKMAN	98801	Primary	Single Family	N	360	360	73.71	1	4/1/2005	3/1/2035	0.375	3/1/2005	129000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80601796	KYOUNG HE MOON	92336	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	336000	Purchase	MTA	2.65	4/1/2005	9.95	420000	420000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80602244	RONNIE L MAYFIELD	93465	Primary	Single Family	N	360	360	64.21	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	623000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80603508	JANET M MACKEY	95446	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80603836	MARC MORCOS	92069	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	460000	Purchase	MTA	2.775	4/1/2005	9.95	575000	575000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80607116	LEE B MORRIS	20007	Primary	Condominium	N	360	360	72.73	1	4/1/2005	3/1/2035	0.375	3/1/2005	1000000	Purchase	MTA	2.8	4/1/2005	9.95	1375000	1375500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80608204	MASAO MIZUKAMI	90012	Primary	Condominium	N	360	359	77.27	4.625	3/1/2005	2/1/2035	0.375	2/1/2005	231800	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80608460	AVELINO R AZEVEDO	95316	Investor	Single Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	188000	Purchase	MTA	2.95	4/1/2005	9.95	235000	235000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80609893	BERNARD S. RIVERA	80127	Primary	PUD	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	174400	Cash Out Refinance	MTA	2.45	4/1/2005	9.95	218000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80610845	JAY M. CURRY	92688	Primary	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80612485	MARIA R CHAVEZ	92807	Primary	Single Family	N	360	359	67.41	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	340400	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	505000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80612973	NIKOLAY MARINOV	95824	Primary	Single Family	N	360	360	36.43	1	4/1/2005	3/1/2035	0.375	3/1/2005	102000	Rate/Term Refinance	MTA	2.4	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80613845	WILLIAM P WAKEFIELD	34108	Second Home	Condominium	N	360	359	68.94	4.5	3/1/2005	2/1/2035	0.375	4/1/2005	455000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	660000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80614645	MICHAEL SMALLING	92373	Primary	Single Family	N	360	360	61.63	1	4/1/2005	3/1/2035	0.375	3/1/2005	265000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	430000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80614837	NEREIDA FLORES	1904	Primary	Single Family	N	360	359	79.4	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	212000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	267000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80615709	RAHMAN K VACE	92503	Primary	Single Family	N	360	360	78.37	1	4/1/2005	3/1/2035	0.375	3/1/2005	384000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80617197	RAUL RITCHIE-PRECIADO	91977	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	289600	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	362000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80617406	ROBERT TAYLOR	93041	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	452000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	565000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80618558	MANUEL RETA	92117	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	420000	Purchase	MTA	2.775	4/1/2005	9.95	540000	525000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80618870	DANA G PLANTE	94404	Primary	Single Family	N	360	360	66.67	1	4/1/2005	3/1/2035	0.375	3/1/2005	800000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	1200000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80619390	CESARIO D JACOBE	89128	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80620622	MARY E NELSON	90002	Investor	Single Family	N	360	359	65	5.25	3/1/2005	2/1/2035	0.375	3/1/2005	143000	Cash Out Refinance	MTA	3.175	4/1/2005	9.95	220000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80622542	NEERANJAN TEJIRAM	33594	Primary	PUD	N	360	360	79.98	1	4/1/2005	3/1/2035	0.375	3/1/2005	179900	Purchase	MTA	2.8	4/1/2005	9.95	250000	224934	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80622646	JEFFREY S SWEITZER	20723	Primary	PUD	N	360	360	72.22	1	4/1/2005	3/1/2035	0.375	4/1/2005	455000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80622654	GINETTE THERIAULT	85213	Investor	Two-Four Family	N	360	359	80	2.125	3/1/2005	2/1/2035	0.375	3/1/2005	212000	Purchase	MTA	3.375	5/1/2005	9.95	305000	265000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80623886	MARY ANN U RIVERA	85213	Investor	Two-Four Family	N	360	359	80	2.125	3/1/2005	2/1/2035	0.375	4/1/2005	212000	Purchase	MTA	3.375	5/1/2005	9.95	305000	265000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80624478	SUSAN J STONE	91384	Primary	Single Family	N	360	360	77.65	1	4/1/2005	3/1/2035	0.375	3/1/2005	264000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80624510	BRUCE LE	95492	Primary	Single Family	N	360	360	77.8	1	4/1/2005	3/1/2035	0.375	3/1/2005	424000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	545000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80625150	LINDA C HESS	48035	Primary	Single Family	N	360	360	56.25	1	4/1/2005	3/1/2035	0.375	4/1/2005	90000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	160000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80625399	EDUARD YARVE	94089	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	392000	Purchase	MTA	2.775	4/1/2005	9.95	490000	490000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80628007	MELISSA YARALI	33486	Primary	Single Family	N	360	360	76.19	1	4/1/2005	3/1/2035	0.375	3/1/2005	320000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	420000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80628215	IGNACIA ZARAGOSA	93035	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	476000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	595000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80629735	ROXANNE L. BISBY DAVIS	94949	Primary	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	4/1/2005	580000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	725000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80630119	RANDY R ROGAHN	89141	Investor	PUD	N	360	360	72.4	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	181000	Rate/Term Refinance	MTA	3.175	4/1/2005	9.95	250000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80630591	ALEXANDR KRYLOVETSKY	92604	Primary	Condominium	N	360	359	80	4.25	3/1/2005	2/1/2035	0.375	3/1/2005	510000	Purchase	MTA	2.275	4/1/2005	9.95	638000	637500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80630679	TIEN VAN DANG	91791	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	648000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	810000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80631559	REDENTOR CUSTODIO	93611	Primary	Single Family	N	360	360	74.29	1	4/1/2005	3/1/2035	0.375	3/1/2005	390000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	525000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80631631	MATILDE JIMENEZ	33556	Primary	PUD	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	482700	Purchase	MTA	2.7	6/1/2005	9.95	604000	603400	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80632063	STEPHEN P GEARE	94558	Primary	Single Family	N	360	359	75	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	423750	Purchase	MTA	2.525	4/1/2005	9.95	565000	565000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80633608	JAMES PEAVEY	94954	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80633648	HYO-YOUNG MUN	91801	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	404000	Purchase	MTA	2.65	4/1/2005	9.95	505000	505000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80633672	RUBEN RUIZ RODRIGUEZ	90003	Primary	Single Family	N	360	360	72	1	4/1/2005	3/1/2035	0.375	3/1/2005	213840	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	297000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80636224	LORENZO CASTILLO	92504	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	256000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80640872	CHARLES CANTANDO	95991	Primary	Single Family	N	360	359	57.97	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	200000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	345000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80642353	ROBERT M PEREZ	94547	Primary	PUD	N	360	360	72.13	1	4/1/2005	3/1/2035	0.375	3/1/2005	559000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	775000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80642377	MARY ANN ARRIAGA	77354	Second Home	Single Family	N	360	359	75	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	170250	Purchase	MTA	2.925	5/1/2005	9.95	230000	227000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80642441	JOSEPHINE M LEGGETT	94115	Primary	Condominium	N	360	359	77.89	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	592000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	760000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80643929	JONI KOENIG	92592	Primary	PUD	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	4/1/2005	487150	Purchase	MTA	2.5	4/1/2005	9.95	610000	608987	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80644065	JOSEPH A MORGAN	44125	Primary	Single Family	N	360	360	93.98	3.125	4/1/2005	3/1/2035	0.375	3/1/2005	115600	Rate/Term Refinance	MTA	3.425	4/1/2005	9.95	123000	0	Negam MTA	0.76	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80644945	DONALD D SPILLER	93536	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	256000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80645801	BENJAMIN E BROWN	84097	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	4/1/2005	862500	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	1150000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80646273	AUDREY A GAMBLE	93436	Primary	Single Family	N	360	360	65	1	5/1/2005	4/1/2035	0.375	4/1/2005	269750	Purchase	MTA	2.8	5/1/2005	9.95	415000	415000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80646281	JOHN NELISSEN	92691	Primary	Single Family	N	360	360	74.83	1	4/1/2005	3/1/2035	0.375	3/1/2005	535000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	715000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80648249	STEVE MENDEZ	92376	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	232000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	290000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80648737	RENATO S SULIT	92139	Investor	Single Family	N	360	359	50	5	3/1/2005	2/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	2.95	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80651394	JENNIFER A TAYLOR	19145	Primary	Single Family	N	360	360	66.67	1	4/1/2005	3/1/2035	0.375	3/1/2005	100000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	150000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80651714	CESAR ESTRADA	93312	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	184000	Purchase	MTA	2.8	4/1/2005	9.95	235000	230000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80653170	MICHAEL LAZIK	98467	Primary	Single Family	N	360	359	78.86	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	165600	Rate/Term Refinance	MTA	2.575	4/1/2005	9.95	210000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80653266	DOUGLAS R SCHAFROTH	85379	Primary	PUD	N	360	359	77.36	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	164000	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	212000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80653434	RAOUL DESIR	2368	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	248000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	310000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80654962	JESUS LOPEZ PATINO	90032	Primary	Two-Four Family	N	360	359	70	1.75	3/1/2005	2/1/2035	0.375	2/1/2005	227500	Cash Out Refinance	MTA	2.8	5/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80655514	CRIS BALAMACI	6484	Primary	Condominium	N	360	360	75	1	4/1/2005	3/1/2035	0.375	4/1/2005	375000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80655746	BRYAN E RIDGEWAY	92626	Primary	Condominium	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	318750	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80656090	GARY R SAPERSTEIN	95476	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	435000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	580000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80656370	MERCEDES GLORIA MARCUS	94531	Primary	Single Family	N	360	359	71.57	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	365000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80657114	VINCENT R DI COLO	2921	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	384000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	480000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80657243	SCOTT L PICKERING	84065	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	186400	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	233000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80657259	MICHAEL S BATISTA	92009	Primary	PUD	N	360	360	73.12	1	4/1/2005	3/1/2035	0.375	3/1/2005	650000	Purchase	MTA	2.775	4/1/2005	9.95	889000	888958	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80657835	FRANCESCO SANITATE	66062	Primary	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	204000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80659347	ADRIAN GOMEZ	90805	Primary	Single Family	N	360	360	70	1	4/1/2005	3/1/2035	0.375	4/1/2005	252000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80659875	JANE HARRIS	94931	Primary	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	276000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	345000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80660619	TIMOTHY G MAYNARD	94704	Primary	Single Family	N	360	359	80	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	584000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	730000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80661435	GEORGE CORNISH	33311	Investor	Single Family	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	84500	Rate/Term Refinance	MTA	3.175	4/1/2005	9.95	130000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80661627	GEORGE CORNISH	33311	Investor	Two-Four Family	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	133250	Rate/Term Refinance	MTA	3.175	4/1/2005	9.95	205000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80662299	BRADLEY S MATZINGER	48044	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	234400	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	293000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80662571	SHERRYL ANDREA CLINTON	91915	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	368000	Purchase	MTA	2.75	4/1/2005	9.95	460000	460000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80663779	MICHAEL J DI IORIO Jr.	95126	Primary	Single Family	N	360	359	60.24	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	738000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	1225000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80664211	WAYNE COLWELL	92069	Primary	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	596000	Purchase	MTA	2.8	4/1/2005	9.95	750000	745000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80664571	WILLIAM D LAMPING	92270	Second Home	Condominium	N	360	360	62.25	1	4/1/2005	3/1/2035	0.375	3/1/2005	221000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	355000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80664635	ROGER D DANIELS	92021	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	452000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	565000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80665564	EDITH M SANTOS	95117	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	520000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80665676	RYAN ARNOLD	83642	Investor	PUD	N	360	359	80	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	232000	Purchase	MTA	3.15	4/1/2005	9.95	291000	290000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80666996	TROY E HUTCHINSON	98683	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	224000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80667636	ANGELA STETSON	93311	Investor	Single Family	N	360	359	80	5.25	3/1/2005	2/1/2035	0.375	3/1/2005	194800	Purchase	MTA	3.175	4/1/2005	9.95	245000	243500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80667836	WILLIAM SALVO	33702	Primary	Single Family	N	360	359	93.22	5.125	3/1/2005	2/1/2035	0.375	4/1/2005	185500	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	199000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80667844	RIMIK SARDARIANI	91040	Primary	Single Family	N	360	360	78.13	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	500000	Rate/Term Refinance	MTA	3.15	6/1/2005	9.95	640000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80668436	GEORGE L RACEY	49286	Primary	Single Family	N	360	360	71.43	1	4/1/2005	3/1/2035	0.375	3/1/2005	130000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	182000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80668500	JODIE DIMALANTIA	92663	Primary	Condominium	N	360	359	73.79	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	380000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80668588	JAMES A VARGA	44890	Primary	Single Family	N	360	359	73.02	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	157000	Rate/Term Refinance	MTA	2.925	5/1/2005	9.95	215000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80669180	ROSA M GIL	91792	Primary	Condominium	N	360	359	75	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	202500	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	270000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80669572	SEAN LANCE	92592	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	479900	Purchase	MTA	2.9	4/1/2005	9.95	600000	599900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80670748	RODOLFO SUAREZ	90019	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	408000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80670756	GERALD P ASHBY	91739	Primary	Single Family	N	360	360	50.57	1	4/1/2005	3/1/2035	0.375	3/1/2005	220000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80671132	YEON HEE CHONG	91354	Primary	Condominium	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	396000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	495000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80671260	MA RHODARA ALBANO	90621	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	444000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	555000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80671772	TYRONE MCQUEEN	95823	Investor	Single Family	N	360	360	80	2.125	4/1/2005	3/1/2035	0.375	3/1/2005	228000	Purchase	MTA	3.175	6/1/2005	9.95	286000	285000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80672452	ALLYSON ELIZABETH CHASE	89178	Primary	PUD	N	360	360	69.06	1	4/1/2005	3/1/2035	0.375	3/1/2005	265900	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	385000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80674741	HOWARD S.S. KORNBLUM	95616	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	440000	Cash Out Refinance	MTA	2.725	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80674885	JOHN ANTHONY MISITI	92505	Primary	Condominium	N	360	359	80	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	336000	Cash Out Refinance	MTA	2.925	5/1/2005	9.95	420000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80676333	RANDY MEINKING	45231	Primary	Single Family	N	360	360	95	2	4/1/2005	3/1/2035	0.375	3/1/2005	137750	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	145000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80677525	LUIS RAMIREZ	95823	Investor	Single Family	N	360	360	69.51	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	218962	Rate/Term Refinance	MTA	3.025	4/1/2005	9.95	315000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80677701	DAVID M SIKORA	44224	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	140000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80677789	ROGER D HARTLEY	95320	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	288000	Purchase	MTA	2.5	4/1/2005	9.95	360000	360000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80677837	MIGUEL GUARDADO	95023	Primary	Single Family	N	360	359	47.64	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	333500	Purchase	MTA	2.5	4/1/2005	9.95	700000	700000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80678125	CLARA KIBEDI	95129	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	248000	Purchase	MTA	2.65	4/1/2005	9.95	310000	310000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80679253	TEDDY F SORIA	95131	Primary	Condominium	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	4/1/2005	300000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	375000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80682638	JOEL E OHM	98335	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	288000	Rate/Term Refinance	MTA	2.75	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80683190	RIGOBERTO A FIGUEROA	94536	Primary	Single Family	N	360	360	78.97	1	4/1/2005	3/1/2035	0.375	3/1/2005	458000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	580000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80683222	MICHELLE A PURCELL	92563	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	520000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80684262	JOAN KINGSLEY	6605	Primary	Condominium	N	360	360	74.83	1	5/1/2005	4/1/2035	0.375	4/1/2005	217000	Cash Out Refinance	MTA	3.075	5/1/2005	9.95	290000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80684430	JOHN PICKETT	85745	Investor	Two-Four Family	N	360	360	80	1.375	5/1/2005	4/1/2035	0.375	4/1/2005	180000	Purchase	MTA	3.1	5/1/2005	9.95	225000	225000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80684726	EDWARD W WEISS	1803	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	280000	Cash Out Refinance	MTA	2.775	5/1/2005	9.95	350000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80684942	OZSTAR DE JOURDAY	92101	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	504000	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80685126	CYNTHIA A SLEDGE	85029	Investor	Single Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	125600	Purchase	MTA	3.025	4/1/2005	11.325	157000	157000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80685918	DENNIS J COUSINO	48134	Primary	Single Family	N	360	360	74.69	1	5/1/2005	4/1/2035	0.375	4/1/2005	183000	Rate/Term Refinance	MTA	2.65	5/1/2005	9.95	245000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80687494	THEODORE GAMESTER	33914	Primary	Single Family	N	360	360	76.35	1	4/1/2005	3/1/2035	0.375	3/1/2005	637500	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	835000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80687798	JOSE A. MANZUR	93905	Primary	PUD	N	360	360	73.95	1	4/1/2005	3/1/2035	0.375	3/1/2005	475500	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	643000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80688214	JAMES A. WOLLAM	33477	Primary	PUD	N	360	359	71.61	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	275000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	384000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80688502	DOUGLAS E CRON	45230	Primary	Single Family	N	360	360	67.86	1	4/1/2005	3/1/2035	0.375	3/1/2005	237500	Rate/Term Refinance	MTA	2.35	4/1/2005	9.95	350000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80689215	WILLIAM P PAXSON	93105	Primary	Single Family	N	360	360	25.64	1	4/1/2005	3/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	1950000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80690047	LAWRENCE D PACHTMAN	93420	Primary	Single Family	N	360	359	54.16	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	359650	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	664000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80690391	KENNETH TROLINGER	73110	Investor	Single Family	N	360	359	70	2.125	3/1/2005	2/1/2035	0.375	3/1/2005	33600	Rate/Term Refinance	MTA	3.375	5/1/2005	9.95	48000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80690911	PAULA A HOLLAND	92376	Primary	Single Family	N	360	360	78.81	1	4/1/2005	3/1/2035	0.375	3/1/2005	264000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	335000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80691503	JENNIE LLOYD	91342	Primary	Single Family	N	360	360	60	1	4/1/2005	3/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80693831	KIMBERLY A TARPLEY	33594	Primary	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	160000	Purchase	MTA	2.775	4/1/2005	9.95	202000	200000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80694727	ROBERT G. SLENKER	98203	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	217600	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	272000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80694879	ELIZABETH S DE GUIA	77573	Primary	PUD	N	360	359	74.5	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	129250	Rate/Term Refinance	MTA	2.575	4/1/2005	9.95	173500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80695967	CAMRON T HEIGL	92346	Primary	Single Family	N	360	360	74.07	1	4/1/2005	3/1/2035	0.375	3/1/2005	180000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	243000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80696007	MELANIE T GINES	91710	Primary	Single Family	N	360	360	79.54	1	4/1/2005	3/1/2035	0.375	3/1/2005	276000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	347000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80696631	JENNIFER L THOMAS	95926	Primary	Single Family	N	360	360	78.26	1	4/1/2005	3/1/2035	0.375	3/1/2005	360000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	460000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80697184	CHRISTINE A CLEMENTS	33625	Primary	Single Family	N	360	360	40.76	1	5/1/2005	4/1/2035	0.375	4/1/2005	320000	Cash Out Refinance	MTA	2.575	5/1/2005	9.95	785000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80697648	MA CORAZON T. FILOTEO	92584	Primary	PUD	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	316000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	395000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80697768	JJEFFREY D CANNON	94509	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	292000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80697824	ROSALVA ZAMORA	95148	Primary	Single Family	N	360	359	79.37	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80697856	REMONDA L. LAVINGHOUSE	95112	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	440000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80698440	CHRISTOPHER M DENNIS	95018	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	443200	Purchase	MTA	2.525	4/1/2005	9.95	554000	554000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80698776	GREGG BELL	94703	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	376000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80699208	CAROL S FIGUEROA	91913	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	462400	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	578000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80699704	JOHN W OVERMAN	92024	Second Home	Condominium	N	360	360	70.01	1	4/1/2005	3/1/2035	0.375	4/1/2005	530000	Rate/Term Refinance	MTA	3.075	4/1/2005	9.95	757000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80700192	ANGELA MARIE GALARDO	92648	Investor	Condominium	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	372000	Purchase	MTA	2.9	4/1/2005	9.95	475000	465000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80700608	ANGELIQUE TALBERT	90056	Primary	Single Family	N	360	360	68.11	1	4/1/2005	3/1/2035	0.375	3/1/2005	613000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	900000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80701248	JAMES LADEN	95126	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	443200	Purchase	MTA	1.9	4/1/2005	9.95	557000	554001	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80701544	ANDREW BACKSTROM	90806	Investor	Single Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	424000	Rate/Term Refinance	MTA	3.15	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80701592	JUAN M MENDOZA	95111	Primary	Single Family	N	360	360	78.9	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	507000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80702136	HAROLD R WEARNE	85239	Primary	PUD	N	360	360	79.74	1	4/1/2005	3/1/2035	0.375	3/1/2005	185000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	232000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80702824	STEVEN ROESER	94025	Primary	Single Family	N	360	360	68.42	1	4/1/2005	3/1/2035	0.375	3/1/2005	650000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	950000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80703688	DEXTER HUTCHISON	90501	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	520000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80703960	DEREK J WILLIAMS	98408	Investor	Single Family	N	360	360	79.98	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	123250	Purchase	MTA	3.175	4/1/2005	9.95	160000	154100	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80704008	CARLOS EFRAIN RIVERA	93550	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	216000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	270000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80704040	BROOKE N LENARDO	95524	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	312000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	390000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80704440	BRANDON BURNHAM	80126	Primary	Single Family	N	360	360	95	2	4/1/2005	3/1/2035	0.375	3/1/2005	303905	Purchase	MTA	2.65	4/1/2005	9.95	320000	319900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80704568	PHANH SENGSAVANG	98178	Primary	Single Family	N	360	359	80	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	288000	Rate/Term Refinance	MTA	2.425	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80705064	BRIAN T WARREN	89032	Primary	Single Family	N	360	360	78.69	1	4/1/2005	3/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	305000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80705305	STEFANIE ELAINE CHU	95219	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	388000	Purchase	MTA	2.8	4/1/2005	9.95	500000	485000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80705337	RAYMOND W. GASSAWAY	92307	Primary	Single Family	N	360	359	71.58	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	340000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	475000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80705417	AMI PISSETZKY	60062	Primary	Single Family	N	360	359	59.76	1.75	3/1/2005	2/1/2035	0.375	3/1/2005	756000	Rate/Term Refinance	MTA	2.9	5/1/2005	9.95	1265000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80706745	DAMIAN J.R. ERVIN	98208	Investor	Single Family	N	360	360	78.89	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	177500	Purchase	MTA	3.425	4/1/2005	9.95	235000	225000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80707113	GUSTAVO A. ZANOTELLI	85335	Primary	PUD	N	360	360	95	2	4/1/2005	3/1/2035	0.375	3/1/2005	155144	Purchase	MTA	3.05	4/1/2005	9.95	167000	163310	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80707345	SAW WIN-MYINT ZAW	94565	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	408000	Purchase	MTA	2.65	4/1/2005	9.95	510000	510000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80708065	LEOPOLDO GUARDADO	93063	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	440000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80708105	DENISE A. LEATH	95682	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	496000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	620000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80709793	DAWN BREWBAKER	95667	Primary	Single Family	N	360	360	71.8	1	4/1/2005	3/1/2035	0.375	3/1/2005	219000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	305000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80710225	ANDREAS SCHENK	92130	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	685500	Cash Out Refinance	MTA	2.275	4/1/2005	9.95	914000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80711513	PAUL ESQUEDA	93306	Primary	Single Family	N	360	360	78.79	1	5/1/2005	4/1/2035	0.375	4/1/2005	156000	Cash Out Refinance	MTA	2.8	5/1/2005	9.95	198000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80712537	CAROLINA ARAOZ	92651	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	768750	Purchase	MTA	2.8	4/1/2005	9.95	1025000	1025000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80712705	PAULA SMELTEKOP	48103	Primary	Condominium	N	360	360	75.56	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	136000	Cash Out Refinance	MTA	2.9	6/1/2005	9.95	180000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80712841	CHARLES B. MERRILL III	30363	Investor	PUD	N	360	359	79.99	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	332200	Purchase	MTA	2.775	4/1/2005	9.95	421000	415325	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80713202	JOHN ASHLEY	85335	Investor	PUD	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	115200	Purchase	MTA	3.025	4/1/2005	9.95	144000	144000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80714282	CLARENCE A. KINTZ	98226	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	427500	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	570000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80714594	GARY L FAUSER	48183	Primary	Single Family	N	360	360	77.82	1	4/1/2005	3/1/2035	0.375	4/1/2005	200000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	257000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80715042	MIGUEL JIMENEZ	94063	Primary	Single Family	N	360	360	74.97	1	4/1/2005	3/1/2035	0.375	4/1/2005	543500	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	725000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80715234	JOHNNY L PEREZ	95672	Primary	Single Family	N	360	360	35.32	1	4/1/2005	3/1/2035	0.375	3/1/2005	196000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	555000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80715306	KYUNG-HWA JUSON	92131	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	412000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80715354	CHRISTOPHER P ROLLET	48195	Primary	Single Family	N	360	360	61.88	1	4/1/2005	3/1/2035	0.375	3/1/2005	125000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	202000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80715506	THOMAS E WHALEN	43614	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	160000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	200000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80715578	SERGIO SOLORIO	91910	Primary	Condominium	N	360	360	79.65	1	4/1/2005	3/1/2035	0.375	4/1/2005	270000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	339000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80716258	SHAHAB SADEGHINIA	89052	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	263200	Purchase	MTA	2.275	4/1/2005	9.95	375000	329000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80717074	GEORGE C MARTINELLI	95436	Primary	Single Family	N	360	359	80	4.375	3/1/2005	2/1/2035	0.375	3/1/2005	716000	Purchase	MTA	2.4	4/1/2005	9.95	896000	895000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80717562	JEFF WHITCOMB	48114	Primary	Single Family	N	360	360	76.28	1	5/1/2005	4/1/2035	0.375	4/1/2005	164000	Rate/Term Refinance	MTA	2.65	5/1/2005	9.95	215000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80718034	WILLIAM ROBERT SMOKE	95120	Primary	Single Family	N	360	360	68.62	1	4/1/2005	3/1/2035	0.375	3/1/2005	573000	Cash Out Refinance	MTA	2.3	4/1/2005	9.95	835000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80719690	THOMAS S DRAPER	91390	Primary	Single Family	N	360	360	67.31	1	4/1/2005	3/1/2035	0.375	3/1/2005	451000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	670000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80719954	MARGIE BENAVIDEZ	91770	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	324000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	405000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80720018	SAMMIE JOE CALLOWAY	94804	Primary	PUD	N	360	360	56.52	1	5/1/2005	4/1/2035	0.375	4/1/2005	195000	Cash Out Refinance	MTA	2.575	5/1/2005	9.95	345000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80721435	MIKHAIL SERGATIOUK	33065	Primary	PUD	N	360	360	76.19	1	4/1/2005	3/1/2035	0.375	4/1/2005	160000	Cash Out Refinance	MTA	3	4/1/2005	9.95	210000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80721459	ANN SOSA-DIAS	33190	Investor	PUD	N	360	359	79.98	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	145450	Purchase	MTA	3.15	4/1/2005	9.95	208000	181860	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80722043	REGINALD JACKSON	8046	Primary	Single Family	N	360	359	79.38	4.5	3/1/2005	2/1/2035	0.375	3/1/2005	127000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	160000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80722555	ELIGIO COLON	11413	Primary	Single Family	N	360	360	75.65	1	4/1/2005	3/1/2035	0.375	4/1/2005	261000	Rate/Term Refinance	MTA	2.8	4/1/2005	10.95	345000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80722843	CARL L. JACKSON II	32221	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	119200	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	149000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80724027	ERWIN MORA	92101	Second Home	Condominium	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	275250	Purchase	MTA	2.575	4/1/2005	9.95	370000	367000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80725107	JACOB CODY DOMENGHINI	93465	Primary	PUD	N	360	360	74.18	1	4/1/2005	3/1/2035	0.375	3/1/2005	341250	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	460000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80725443	KEITH A BANI	30533	Investor	Single Family	N	360	360	76.92	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	250000	Rate/Term Refinance	MTA	3.175	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80725683	ANTHONY ESPOSITO	90301	Investor	Two-Four Family	N	360	360	70	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	336000	Cash Out Refinance	MTA	3.175	4/1/2005	9.95	480000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80726179	SAM MIKEL	85207	Investor	Two-Four Family	N	360	360	79.68	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	200000	Purchase	MTA	3.175	4/1/2005	9.95	252000	251000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80726371	CESAR GAMEZ	85706	Primary	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	134560	Purchase	MTA	2.9	4/1/2005	9.95	169000	168200	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80726395	MICHAEL CULROSS Jr.	91030	Primary	Single Family	N	360	359	62.53	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	272000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80726579	DONALD E VALES	94551	Primary	Single Family	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	644000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	805000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80726611	ALEXANDRA SHIN	92708	Investor	Condominium	N	360	360	80	2.125	4/1/2005	3/1/2035	0.375	3/1/2005	220000	Purchase	MTA	2.975	6/1/2005	9.95	275000	275000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80727611	MICHAEL CRUME	95946	Primary	Single Family	N	360	360	79.63	1	4/1/2005	3/1/2035	0.375	3/1/2005	342400	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	430000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80729988	FLORENCIO D FLORES	91913	Primary	PUD	N	360	360	59.65	1	4/1/2005	3/1/2035	0.375	3/1/2005	380000	Purchase	MTA	2.525	4/1/2005	9.95	640000	637095	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80730908	DANIEL VENTURA	93906	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	388000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	485000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80731588	RAYMOND MAGARO	17025	Primary	Single Family	N	360	360	78.41	1	4/1/2005	3/1/2035	0.375	3/1/2005	172500	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	220000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80733740	EDWARD D. MEADOWS Jr.	32550	Second Home	Condominium	N	360	359	54.86	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	480000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	875000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80734012	SOSENA ASRAT	20707	Primary	PUD	N	360	360	73.6	1	4/1/2005	3/1/2035	0.375	3/1/2005	460000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80734028	ROY I HARLOW	48879	Primary	Single Family	N	360	360	76.92	1	5/1/2005	4/1/2035	0.375	4/1/2005	140000	Rate/Term Refinance	MTA	2.8	5/1/2005	9.95	182000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80734396	DAVID SEHER	95673	Investor	Single Family	N	360	359	65	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	131300	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	202000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80734428	STEPHEN R ZURAWSKI	48214	Primary	Single Family	N	360	360	43.63	1	4/1/2005	3/1/2035	0.375	3/1/2005	421000	Rate/Term Refinance	MTA	2.275	4/1/2005	9.95	965000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80734620	RICHARD A ZIEGLER	21087	Primary	Single Family	N	360	360	62.5	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	2.9	6/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80734700	RANDY S PLASCENCIA	48911	Primary	Single Family	N	360	360	73.03	1	4/1/2005	3/1/2035	0.375	4/1/2005	142400	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	195000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80736484	MICHELLE A DEAN	95350	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	256000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80736804	EMERY HENRICH	93501	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	224000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80737004	MARIO A DIAZ	94565	Primary	Single Family	N	360	360	62.2	1	4/1/2005	3/1/2035	0.375	3/1/2005	255000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80737269	JONATHAN R CAGUIOA	92603	Primary	PUD	N	360	360	68.97	1	4/1/2005	3/1/2035	0.375	3/1/2005	1000000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	1450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80737461	JERRY W BROWN	33066	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	229600	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	287000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80737645	JAMES TAYLOR	93908	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	624000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	780000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80737757	MICHAEL A BERRES	34109	Second Home	Condominium	N	360	360	72.52	1	4/1/2005	3/1/2035	0.375	3/1/2005	172600	Rate/Term Refinance	MTA	2.5	4/1/2005	9.95	238000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80738221	ROY H. TAYLOR	92069	Investor	PUD	N	360	360	78.43	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Purchase	MTA	2.9	4/1/2005	9.95	510000	510000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80739493	KERESIA Y BOWERS	94603	Primary	Single Family	N	360	360	59.38	1	4/1/2005	3/1/2035	0.375	4/1/2005	190000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	320000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80739773	ROBERT J TAYLOR	48642	Second Home	Condominium	N	360	360	64.89	1	4/1/2005	3/1/2035	0.375	4/1/2005	292000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80740005	RICK ROBINETTE	90638	Investor	Single Family	N	360	360	49.33	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	222000	Rate/Term Refinance	MTA	3.175	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80741565	JOSEPH H MENDOZA	92126	Primary	Single Family	N	360	360	63.64	1	4/1/2005	3/1/2035	0.375	3/1/2005	350000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80742125	JEFFREY A PETERS	80022	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	140000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	175000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80742221	PIERLUIGI SCALIA	91342	Primary	Single Family	N	360	360	75.27	1	4/1/2005	3/1/2035	0.375	4/1/2005	508100	Rate/Term Refinance	MTA	1	4/1/2005	9.95	675000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80742901	YOUNG JU IM	92833	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	520000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80742973	CAREY A SMITH	92007	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	660000	Purchase	MTA	2.775	4/1/2005	9.95	825000	825000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80743245	CHIH YUN CHEN	95133	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	283200	Purchase	MTA	2.65	4/1/2005	9.95	354000	354000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80743965	RACHEL N COLLINS	92869	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	208000	Purchase	MTA	2.775	4/1/2005	9.95	266000	260000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80824119	MICHAEL JACOBS	87113	Primary	Single Family	N	360	360	78.9	1	4/1/2005	3/1/2035	0.375	3/1/2005	288000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80824751	WILLIAM R PEPAL	21102	Investor	PUD	N	360	359	80	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	144000	Purchase	MTA	2.875	4/1/2005	9.95	186000	180000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80825112	RAYMOND ANTON	33312	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	270400	Purchase	MTA	2.4	6/1/2005	9.95	338000	338000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80825304	DEBORAH DESCHENES	94518	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	630000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	840000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80826688	MARK A ESPOSITO	6840	Primary	Single Family	N	360	360	62.5	2	4/1/2005	3/1/2035	0.375	3/1/2005	2000000	Purchase	MTA	2.65	4/1/2005	9.95	3300000	3200000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80827128	PERRY E LACELLE	98367	Primary	PUD	N	360	360	54.89	1	4/1/2005	3/1/2035	0.375	3/1/2005	292000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	532000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80827968	MICHAEL J CULLEN	97055	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	432000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	540000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80829256	SALVADOR HERNANDEZ	60101	Investor	Condominium	N	360	359	70	4.875	3/1/2005	2/1/2035	0.375	2/1/2005	82950	Purchase	MTA	2.875	4/1/2005	9.95	124000	118500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80830040	JEFFREY S. NEWCOMB	83616	Primary	PUD	N	360	359	79.18	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	388000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80830704	MICHEL J MAILLET	1752	Investor	Two-Four Family	N	360	360	79.75	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	319000	Cash Out Refinance	MTA	3.175	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80833017	PAUL SPENCER	92270	Second Home	PUD	N	360	360	70	1	4/1/2005	3/1/2035	0.375	3/1/2005	1120000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	1600000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80833553	FAREDUN H. PARDIWALLA	95823	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	264000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	330000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80834465	MICHAEL MOSKWA	33141	Investor	Two-Four Family	N	360	360	39.42	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	205000	Purchase	MTA	3.15	4/1/2005	9.95	520000	520000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80835313	LAWRENCE J TSOU	95758	Investor	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	249750	Purchase	MTA	2.875	4/1/2005	9.95	333000	333000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80835337	KATHY JACKSON	90806	Primary	Single Family	N	360	359	65.06	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	283000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80835369	CLIFTON CAMPBELL	91307	Primary	PUD	N	360	360	61.75	1	4/1/2005	3/1/2035	0.375	3/1/2005	665000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	1077000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80835561	BENTE ECKER	90403	Primary	Condominium	N	360	360	30.72	1	4/1/2005	3/1/2035	0.375	3/1/2005	233500	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	760000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80836017	LIDIA SANTAMARIA	8807	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	460000	Purchase	MTA	2.8	4/1/2005	9.95	585000	575000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80836473	JENNIFER HENRY	93420	Primary	Single Family	N	360	359	57.52	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	834000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	1450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80837177	DAVID BRANDON WILHOITE	89701	Primary	Single Family	N	360	359	75	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	243750	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80838049	STEVEN BALUTA	30534	Primary	Single Family	N	360	360	23.26	1	4/1/2005	3/1/2035	0.375	3/1/2005	250000	Rate/Term Refinance	MTA	2.875	4/1/2005	9.95	1075000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80838441	JACOB B DANIEL	43040	Primary	Single Family	N	360	360	59.24	1	4/1/2005	3/1/2035	0.375	3/1/2005	85600	Purchase	MTA	2.775	4/1/2005	9.95	145000	144500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80838953	PETER JACOBS	85204	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	140000	Purchase	MTA	2.9	5/1/2005	9.95	180000	175000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80839089	DENISE L GUIDRY	95407	Primary	PUD	N	360	359	71.23	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	260000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	365000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80839633	DONALD T.H. SMITH	92120	Primary	Single Family	N	360	360	71.88	1	4/1/2005	3/1/2035	0.375	4/1/2005	460000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	640000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80840930	ANDERS HANSON	92260	Primary	Single Family	N	360	359	48.08	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	2.8	4/1/2005	10.5	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80841154	JIMMY D HATFIELD II	40517	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	151200	Rate/Term Refinance	MTA	2.725	4/1/2005	9.95	189000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80842130	ALICIA D. ROSS	90044	Primary	Single Family	N	360	360	70	1	4/1/2005	3/1/2035	0.375	4/1/2005	168000	Rate/Term Refinance	MTA	2.875	4/1/2005	9.95	240000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80842266	WILLIAM RODRIGUEZ	89123	Primary	PUD	N	360	359	79.99	4.875	3/1/2005	2/1/2035	0.375	2/1/2005	231175	Purchase	MTA	2.875	4/1/2005	9.95	295000	288999	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80843058	KEVIN C ROGNER	43221	Primary	Single Family	N	360	360	94.74	2	4/1/2005	3/1/2035	0.375	3/1/2005	180000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	190000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80844122	PAUL GARY BARTON	92262	Primary	Single Family	N	360	360	74.9	1	4/1/2005	3/1/2035	0.375	3/1/2005	367000	Cash Out Refinance	MTA	2.95	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80844554	PHILLIP D CADY	92596	Primary	Single Family	N	360	360	79.13	1	4/1/2005	3/1/2035	0.375	3/1/2005	411500	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80845186	PAUL J ROEHL	85340	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	372000	Cash Out Refinance	MTA	2.95	4/1/2005	9.95	465000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80845306	ADELEKAN OYEJIDE	92630	Investor	Condominium	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	180800	Purchase	MTA	3.15	4/1/2005	9.95	226000	226000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80846002	NEMORIO HERNANDEZ	92570	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	272000	Cash Out Refinance	MTA	2.95	5/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80846322	ELIDA JAUREGUI	93726	Primary	Single Family	N	360	360	76.67	1	4/1/2005	3/1/2035	0.375	3/1/2005	207000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	270000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80846746	ASMIK MUSAYELYAN	91205	Primary	Single Family	N	360	360	79.97	1	4/1/2005	3/1/2035	0.375	3/1/2005	475000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	594000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80847146	ANTHONY R. FODOR	92020	Primary	Single Family	N	360	360	71.95	1	4/1/2005	3/1/2035	0.375	3/1/2005	572000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	795000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80847154	HUGO F LOPEZ	92026	Primary	Single Family	N	360	360	60.49	1	4/1/2005	3/1/2035	0.375	4/1/2005	245000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	405000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80848730	ROBERT J O'SULLIVAN	92101	Investor	Condominium	N	360	360	55.66	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	295000	Cash Out Refinance	MTA	3.175	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80850675	LEE M GANTZ	33308	Primary	Condominium	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	768750	Rate/Term Refinance	MTA	2.45	4/1/2005	9.95	1025000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80851259	IRA PREECE	92056	Primary	Single Family	N	360	360	71.46	1	4/1/2005	3/1/2035	0.375	3/1/2005	343000	Cash Out Refinance	MTA	2.875	4/1/2005	9.95	480000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80851371	ARTEMIO AGBULIG TABAGO	92154	Primary	PUD	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	603750	Cash Out Refinance	MTA	2.875	4/1/2005	9.95	805000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80851755	WILLIAM R. TURPIN	94558	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	354375	Cash Out Refinance	MTA	2.95	4/1/2005	9.95	472500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80851963	MIGUEL CONTRERAS	94803	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	380000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	475000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80852323	DEAN TINARI	6518	Primary	Single Family	N	360	360	78.82	1	4/1/2005	3/1/2035	0.375	3/1/2005	201000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80853627	CONSTANTE A PAZ Jr.	92114	Primary	Single Family	N	360	360	77.53	1	4/1/2005	3/1/2035	0.375	3/1/2005	376000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	485000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80853659	LYNNE M HETHERINGTON	94558	Primary	Single Family	N	360	360	34.79	1	4/1/2005	3/1/2035	0.375	3/1/2005	143000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	411000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80853715	JOHN D MILLIGAN	92024	Primary	Single Family	N	360	360	47.1	1	4/1/2005	3/1/2035	0.375	4/1/2005	357000	Rate/Term Refinance	MTA	2.95	4/1/2005	9.95	758000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80854083	JOHN F. CORRIGAN	80920	Primary	Single Family	N	360	360	74.85	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	253000	Rate/Term Refinance	MTA	3.6	6/1/2005	9.95	338000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80854459	BRIAN T KARCZ	33073	Primary	PUD	N	360	360	79.77	1	4/1/2005	3/1/2035	0.375	4/1/2005	445100	Rate/Term Refinance	MTA	3.05	4/1/2005	9.95	558000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80859036	LISA L LICHTENBERGER	86305	Primary	Single Family	N	360	360	68.18	1	4/1/2005	3/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	440000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80859492	WILLIAM HENDZEL	32084	Investor	Condominium	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	170720	Purchase	MTA	2.9	4/1/2005	9.95	218000	213400	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80859652	SCOTT CAMERON EDWARDS	92630	Primary	Condominium	N	360	360	75.29	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	256000	Cash Out Refinance	MTA	2.6	6/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80859676	FRANCISCO NIETO	92869	Primary	Single Family	N	360	360	70	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	455000	Cash Out Refinance	MTA	3	6/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80860260	GABRIEL PEREZ	90280	Primary	Single Family	N	360	360	69.97	1	4/1/2005	3/1/2035	0.375	3/1/2005	257500	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	368000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80860956	OSCAR GUARDADO	20110	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	312000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	390000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80861156	NATALIA OSIPOVA	60015	Primary	Single Family	N	360	360	74.71	1.75	4/1/2005	3/1/2035	0.375	4/1/2005	319000	Rate/Term Refinance	MTA	2.6	6/1/2005	9.95	427000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80862076	LETICIA DAVID	95391	Primary	Single Family	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	529000	Purchase	MTA	2.875	4/1/2005	9.95	664000	661306	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80863916	DONALD H MERTEN III	78260	Primary	PUD	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	4/1/2005	196000	Rate/Term Refinance	MTA	3.2	6/1/2005	9.95	245000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80864372	BAHMAN SHABABI	94523	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	500000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80864901	P. JANE KEEFFE	95476	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	364000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	455000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80865117	MARK D HAUTALA	94558	Primary	Single Family	N	360	360	74.29	1	4/1/2005	3/1/2035	0.375	3/1/2005	520000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80867733	HONG-NGUYEN NGUYEN	92840	Primary	Single Family	N	360	360	79.18	1	4/1/2005	3/1/2035	0.375	3/1/2005	388000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	490000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80868085	MALVINA D COOPER	95476	Investor	Single Family	N	360	360	66.67	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	340000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	510000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80868197	HIEU V NGUYEN	92069	Primary	Single Family	N	360	360	66.56	1	4/1/2005	3/1/2035	0.375	3/1/2005	406000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	610000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80869069	DANIEL R HOLSCLAW	98115	Primary	Single Family	N	360	360	78.51	1	4/1/2005	3/1/2035	0.375	3/1/2005	341500	Rate/Term Refinance	MTA	2.4	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80869765	CRISTINA TISSOT	94553	Primary	Single Family	N	360	360	66.86	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	585000	Cash Out Refinance	MTA	2.85	6/1/2005	9.95	875000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80869773	ALBERT N LASSO	89138	Primary	PUD	N	360	360	70	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	654500	Cash Out Refinance	MTA	2.85	4/1/2005	9.95	935000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80870717	MICHAEL S KEMP	84663	Primary	Single Family	N	360	359	76.35	4.875	3/1/2005	2/1/2035	0.375	3/1/2005	113000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	148000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80872838	CHRISTINE ARMOUR	95610	Primary	Single Family	N	360	360	44.22	1	4/1/2005	3/1/2035	0.375	3/1/2005	153000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	346000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80873238	STEPHEN OPGENORTH	85374	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	191600	Purchase	MTA	2.875	4/1/2005	9.95	240000	239500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80876334	DAVID E KING	94521	Investor	Single Family	N	360	360	48.54	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	250000	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80876846	STEVEN HISCOCK	93446	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	257600	Purchase	MTA	2.65	4/1/2005	9.95	322000	322000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80877014	CHRISTOPHER ROBERT MANGOLD	98312	Primary	Single Family	N	360	360	38.51	1	4/1/2005	3/1/2035	0.375	3/1/2005	119000	Purchase	MTA	2.9	4/1/2005	9.95	330000	309000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80877374	VERONICA CAZAREZ	95206	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	416000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80877486	RUTH SILVERWOOD	94549	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	548000	Purchase	MTA	2.525	4/1/2005	9.95	685000	685000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80877678	AIMY L. EDWARDS	43230	Primary	Single Family	N	360	360	74.35	1	4/1/2005	3/1/2035	0.375	4/1/2005	172500	Rate/Term Refinance	MTA	2.3	4/1/2005	9.95	232000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80877838	WILTON C SHORT	94565	Primary	Single Family	N	360	360	78.13	1	4/1/2005	3/1/2035	0.375	3/1/2005	350000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	448000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80877886	NEIL EDWARD GEESEY	85024	Primary	PUD	N	360	360	78.87	1	4/1/2005	3/1/2035	0.375	3/1/2005	224000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	284000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80877950	GERMAN LARA	94521	Primary	Single Family	N	360	360	70	1	4/1/2005	3/1/2035	0.375	3/1/2005	371000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	530000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80878190	ELIAS MACIAS Sr.	95356	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	224000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	280000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80878966	TUAN NGUYEN	92683	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	513600	Purchase	MTA	3.6	6/1/2005	9.95	655000	642000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80878998	VICTOR T PELTOLA	48236	Primary	Single Family	N	360	360	70.89	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	429600	Rate/Term Refinance	MTA	3.2	5/1/2005	9.95	606000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80879454	THOMAS H MCCAMPBELL	48377	Primary	Condominium	N	360	360	77.06	1	5/1/2005	4/1/2035	0.375	4/1/2005	131000	Rate/Term Refinance	MTA	2.65	5/1/2005	9.95	170000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80879502	DOROTHEA VLAMIS	48108	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	192000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	240000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80879582	DONNA MOFRAD	94565	Primary	PUD	N	360	360	75.95	1	4/1/2005	3/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	395000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80882103	JOHAN WILLEM DIXON	91352	Primary	Single Family	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	247000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	380000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80882167	LYNETTE J LACOUNT	94597	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	656250	Purchase	MTA	2.5	4/1/2005	9.95	875000	875000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80882383	DORA CASTELLANOS	93551	Primary	Single Family	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	4/1/2005	386200	Purchase	MTA	2.5	4/1/2005	9.95	483000	482783	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80882887	MICHAEL R TONGEN	86001	Primary	Single Family	N	360	359	73.6	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	552000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	750000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80883807	PAUL E RODRIGUEZ	90660	Investor	Single Family	N	360	359	80	5	3/1/2005	2/1/2035	0.375	3/1/2005	296000	Rate/Term Refinance	MTA	3.025	4/1/2005	9.95	370000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80884527	MARGARET ALEXANDER	90047	Primary	Single Family	N	360	359	65.33	4.875	3/1/2005	2/1/2035	0.375	4/1/2005	245000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	375000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80885895	ROBERTO GUTIERREZ	2863	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	204000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80886263	DONALD G SIEGFRIED	94555	Primary	Single Family	N	360	360	40.14	1	4/1/2005	3/1/2035	0.375	3/1/2005	281000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80886943	GREGORY J. VAN DE VELDE	92025	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	304000	Cash Out Refinance	MTA	2.275	4/1/2005	9.95	380000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80887143	THOMAS MARTIN BARR	92562	Primary	Single Family	N	360	360	70	1	4/1/2005	3/1/2035	0.375	3/1/2005	335930	Purchase	MTA	2.65	4/1/2005	9.95	495000	479900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80887623	DEAN E SCHEND	89122	Primary	PUD	N	360	360	95	2	4/1/2005	3/1/2035	0.375	3/1/2005	202592	Purchase	MTA	2.8	4/1/2005	9.95	223000	213255	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80887815	J. JAMES MOWRY	91901	Primary	Single Family	N	360	360	66.11	1	4/1/2005	3/1/2035	0.375	3/1/2005	552000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	835000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80888079	RATHA RIECH	98178	Investor	Single Family	N	360	360	47.2	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	160000	Cash Out Refinance	MTA	3.45	4/1/2005	9.95	339000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80888784	RUSSELL VANG	95212	Primary	Single Family	N	360	360	77.56	1	4/1/2005	3/1/2035	0.375	4/1/2005	349000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80888856	SEAN CASTAGNA	95005	Primary	Single Family	N	360	360	56.82	1	4/1/2005	3/1/2035	0.375	3/1/2005	500000	Purchase	MTA	2.525	4/1/2005	9.95	900000	880000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80888968	THOMAS J MCALLISTER Jr.	32137	Second Home	PUD	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	347800	Purchase	MTA	2.775	4/1/2005	9.95	434800	434800	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80889296	SHAWN R BRADY	8096	Primary	PUD	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	245600	Purchase	MTA	2.65	4/1/2005	9.95	310000	307050	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80890448	AURORA CHAVARRIA	92504	Primary	Single Family	N	360	360	73.17	1	4/1/2005	3/1/2035	0.375	3/1/2005	300000	Rate/Term Refinance	MTA	3.075	4/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80890672	SUSAN M. CICCONE	92007	Primary	PUD	N	360	360	62.67	1	4/1/2005	3/1/2035	0.375	3/1/2005	363500	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	580000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80890864	LISA J LAFFINS	92028	Primary	PUD	N	360	360	70	1	4/1/2005	3/1/2035	0.375	3/1/2005	850500	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	1215000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80891960	MICHAEL J MASTROBATTISTA	92130	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	460000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	575000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80892136	TIMOTHY M DONLEY	85234	Primary	PUD	N	360	360	71.92	1	4/1/2005	3/1/2035	0.375	3/1/2005	415000	Cash Out Refinance	MTA	2.05	4/1/2005	9.95	577000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80892872	ZBIGNIEW MAGIERA	6457	Primary	Single Family	N	360	360	77.41	1	5/1/2005	4/1/2035	0.375	4/1/2005	329000	Cash Out Refinance	MTA	2.575	5/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80893024	ROBERT DEFRAIN	48367	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	273600	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	342000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80893648	LORENA WILLIAMS	33137	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	272000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	340000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80894248	KRISTINA M BRAMA	55359	Primary	Single Family	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	993750	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	1325000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80894312	FRANK V ALESSI	92592	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	406000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	507500	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80894808	JO ANN ROSZMANN	45212	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	120000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	150000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80894824	MARGARITA CARIDA D HERNANDEZ	34743	Second Home	PUD	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	142500	Purchase	MTA	2.95	4/1/2005	9.95	198000	190000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80895960	TIMOTHY G HAUSMANN	28270	Primary	Single Family	N	360	360	69	1	4/1/2005	3/1/2035	0.375	3/1/2005	448500	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80896753	RHESA RICANA	91605	Investor	Two-Four Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	408000	Purchase	MTA	3.025	4/1/2005	9.95	510000	510000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80898441	ANTHONY B EDWARDS	92821	Primary	Single Family	N	360	360	50.64	1	4/1/2005	3/1/2035	0.375	3/1/2005	354500	Cash Out Refinance	MTA	2.575	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80901025	SARA ELENA SANCHEZ	91911	Primary	Single Family	N	360	360	78.2	1	5/1/2005	4/1/2035	0.375	4/1/2005	520000	Rate/Term Refinance	MTA	2.8	5/1/2005	9.95	665000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80901161	ANTHONY CHAVES SOUSA	92374	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	288000	Cash Out Refinance	MTA	2.5	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80902065	ALEX NAVIDAD	85042	Primary	PUD	N	360	360	74.17	1	4/1/2005	3/1/2035	0.375	4/1/2005	178000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	240000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80902825	CHARLES R HOFFMAN	91390	Primary	Single Family	N	360	360	64.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	394500	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	607000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80902873	ALFREDO REYES	91767	Primary	Single Family	N	360	360	68.88	1	4/1/2005	3/1/2035	0.375	3/1/2005	270000	Cash Out Refinance	MTA	2.425	4/1/2005	9.95	392000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80903457	DONNA L COTTONE	91344	Primary	Single Family	N	360	360	49.3	1	4/1/2005	3/1/2035	0.375	3/1/2005	318000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	645000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80903473	WALTER REYNOLDS	91784	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	576000	Purchase	MTA	2.65	4/1/2005	9.95	745000	720000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80903497	FREDERICK W SMITH Jr.	95320	Primary	Single Family	N	360	360	66.93	1	4/1/2005	3/1/2035	0.375	3/1/2005	860000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	1285000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80904033	DAVID T DODSON	80020	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	180000	Cash Out Refinance	MTA	2.575	4/1/2005	9.95	225000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80904657	JESSE L COLEMAN	90501	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	440000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	550000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80904689	JAMES MCSHANE	92692	Primary	PUD	N	360	360	55.11	1	4/1/2005	3/1/2035	0.375	3/1/2005	490500	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	890000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80904697	DANIEL SEIBERT	93010	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	352000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	440000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80904705	JEFF L FRANCIS	92313	Primary	Single Family	N	360	360	63.49	1	4/1/2005	3/1/2035	0.375	3/1/2005	200000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	315000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80905146	RONALD L EDMUNSON	95120	Primary	Single Family	N	360	360	65.14	1	4/1/2005	3/1/2035	0.375	4/1/2005	570000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	875000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905194	JOEL HYMAN	91325	Primary	Single Family	N	360	360	75.52	1	4/1/2005	3/1/2035	0.375	3/1/2005	472000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905202	RONNIE DELGADO	91739	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	620000	Rate/Term Refinance	MTA	2.375	4/1/2005	9.95	775000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905218	RANDELL W ROBERTS	92587	Primary	PUD	N	360	360	57.69	1	4/1/2005	3/1/2035	0.375	4/1/2005	750000	Cash Out Refinance	MTA	2.4	4/1/2005	9.95	1300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905242	ARTHUR S ECKER	92014	Primary	Single Family	N	360	360	42.5	1	4/1/2005	3/1/2035	0.375	4/1/2005	850000	Cash Out Refinance	MTA	2.275	4/1/2005	9.95	2000000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905258	JOYCE LEE MILLS	91001	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	500000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	625000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905434	JACK R HACKNEY	93041	Investor	PUD	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	276000	Purchase	MTA	3.25	4/1/2005	9.95	345000	345000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80905730	MARK N ANDRESEN	95632	Investor	Single Family	N	360	360	73.41	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	265000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	361000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80905762	STEVEN M. CANTIN	85234	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	544000	Purchase	MTA	2.8	4/1/2005	9.95	680000	680000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80905898	LAURIE J EGGERT	92126	Investor	PUD	N	360	360	52.82	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	300000	Rate/Term Refinance	MTA	3.1	4/1/2005	9.95	568000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80906298	TODD POWER	94947	Primary	Single Family	N	360	360	74.43	1	4/1/2005	3/1/2035	0.375	3/1/2005	521000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80906498	ALEJANDRO QUIDANG	91914	Primary	PUD	N	360	360	67.86	1	4/1/2005	3/1/2035	0.375	3/1/2005	475000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80906538	STEPHEN J BHACHU	94564	Primary	Single Family	N	360	360	38.46	1	4/1/2005	3/1/2035	0.375	4/1/2005	250000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80907074	WALTER J HOPP	80503	Investor	PUD	N	360	360	52.11	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	148500	Rate/Term Refinance	MTA	3.15	4/1/2005	9.95	285000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80907826	FRANK J CERDA Jr.	91748	Primary	Single Family	N	360	360	69.88	1	4/1/2005	3/1/2035	0.375	3/1/2005	297000	Cash Out Refinance	MTA	2.875	4/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80908786	MING XIANG CHEN	19149	Primary	Single Family	N	360	360	75	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	92850	Purchase	MTA	3.45	6/1/2005	9.95	124000	123800	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80909098	ROBERT M WILSON	85255	Primary	PUD	N	360	360	79.24	1	4/1/2005	3/1/2035	0.375	4/1/2005	355000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	448000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80909466	JON P MARTIN	90638	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	780000	Purchase	MTA	2.9	4/1/2005	9.95	975000	975000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80910890	ELIAS TERRONES	92880	Primary	Single Family	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	362350	Purchase	MTA	2.525	4/1/2005	9.95	453000	452990	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80913643	DOUGLAS E COLE	33076	Primary	PUD	N	360	360	62.6	1	4/1/2005	3/1/2035	0.375	3/1/2005	385000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	615000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80913747	JOEY CHIAPETTA	91436	Primary	Single Family	N	360	360	69.85	1	4/1/2005	3/1/2035	0.375	4/1/2005	475000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	680000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80913875	STEVEN N SMITH	33026	Primary	Single Family	N	360	360	90	2	4/1/2005	3/1/2035	0.375	3/1/2005	423000	Purchase	MTA	2.525	4/1/2005	9.95	470000	470000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80913995	ELENA C PEREZ	92117	Primary	Single Family	N	360	360	74.75	1	4/1/2005	3/1/2035	0.375	3/1/2005	370000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	495000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80914643	MICHAEL CORTEZ	91384	Primary	Single Family	N	360	360	65.55	1	4/1/2005	3/1/2035	0.375	3/1/2005	390000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	595000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80915611	TRACY ARNOLD BOLDEN	91360	Primary	Single Family	N	360	360	67.8	1	4/1/2005	3/1/2035	0.375	3/1/2005	400000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	590000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80916979	PATRICIA OWEN	92065	Primary	Single Family	N	360	360	72.92	1	4/1/2005	3/1/2035	0.375	4/1/2005	525000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	720000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80917283	AKANI K FLETCHER	90066	Primary	Single Family	N	360	360	68.72	1	5/1/2005	4/1/2035	0.375	4/1/2005	670000	Cash Out Refinance	MTA	2.9	5/1/2005	9.95	975000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80917403	EDWARD ALLEN NEWMAN	92324	Investor	Single Family	N	360	360	65	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	188500	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	290000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80919251	JOHN KEHLER	90807	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	344000	Purchase	MTA	2.775	4/1/2005	9.95	440000	430000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80921620	JAIRO OMAR FERNANDEZ	33154	Primary	Condominium	N	360	360	95	2	4/1/2005	3/1/2035	0.375	3/1/2005	199400	Purchase	MTA	2.875	4/1/2005	9.95	210000	209900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80925132	JOSEPH W THOMAS	60607	Primary	Condominium	N	360	360	79.99	1	4/1/2005	3/1/2035	0.375	3/1/2005	347950	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	435000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80925324	KEVIN C. REYNOLDS	33549	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	135200	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	169000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80925596	EDUARDO ALVAREZ-VARGAS	92592	Investor	Single Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	268000	Purchase	MTA	2.9	4/1/2005	9.95	352000	335000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80925804	THOMAS J KAZAN	92618	Primary	PUD	N	360	360	68.82	1	4/1/2005	3/1/2035	0.375	3/1/2005	585000	Rate/Term Refinance	MTA	2.4	4/1/2005	9.95	850000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80926228	SHIRO SAKAMOTO	91711	Investor	PUD	N	360	360	69.58	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	366000	Rate/Term Refinance	MTA	3.1	4/1/2005	9.95	526000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80931877	WILLIAM J QUACKENBUSH	92592	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	376000	Cash Out Refinance	MTA	3.075	5/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80932053	MARK LAW	91763	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	365600	Purchase	MTA	2.4	4/1/2005	9.95	457000	457190	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80932405	ARNALDO S ESPINOSA	94520	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	416000	Rate/Term Refinance	MTA	3.3	6/1/2005	9.95	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80932653	RALPH DELGADO	91340	Primary	Single Family	N	360	360	58.68	1	4/1/2005	3/1/2035	0.375	3/1/2005	240000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	409000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80932997	JEFFREY ANASTASI	92253	Investor	Single Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	192000	Purchase	MTA	3.45	4/1/2005	9.95	261000	240000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80933517	CHRISTOPHER S VAN BOGELEN	93117	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	786000	Purchase	MTA	2.65	4/1/2005	9.95	982500	982500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80933589	SALVACION C REGAL	94015	Primary	Condominium	N	360	360	63	1	4/1/2005	3/1/2035	0.375	3/1/2005	189000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	300000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80935925	SEROB VARDANYAN	91202	Primary	Condominium	N	360	360	75	1	4/1/2005	3/1/2035	0.375	4/1/2005	180750	Purchase	MTA	2.65	4/1/2005	9.95	250000	241000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80935941	GENE J BURNS	84135	Investor	PUD	N	360	359	65	5.125	3/1/2005	2/1/2035	0.375	4/1/2005	260000	Cash Out Refinance	MTA	3.15	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80936870	STEVEN D AUSLENDER	93222	Second Home	PUD	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	321000	Purchase	MTA	2.65	4/1/2005	9.95	430000	428000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80936950	JEFF V STANSBERRY	92211	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	288000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	360000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80937582	JENNIFER ORTEGA	90242	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	328000	Purchase	MTA	3.075	4/1/2005	9.95	417000	410000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80938222	BRETT HADLEY	84405	Primary	Single Family	N	360	359	80	4.75	3/1/2005	2/1/2035	0.375	3/1/2005	100000	Purchase	MTA	2.775	4/1/2005	9.95	125000	125000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80938566	ELSA M CHEUNG	85233	Second Home	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	190400	Purchase	MTA	2.8	4/1/2005	9.95	238000	238000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80939390	SALVADOR CERVANTES	94806	Primary	Single Family	N	360	360	68.39	1	4/1/2005	3/1/2035	0.375	3/1/2005	290650	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	425000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80940222	GARY MACHEN	89107	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	204000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	255000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80940358	LAURIANO M CAMACHO	95122	Primary	Single Family	N	360	360	79.81	1	4/1/2005	3/1/2035	0.375	3/1/2005	415000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	520000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80940726	YOO KEUN JUNG	91709	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	428000	Purchase	MTA	2.875	4/1/2005	9.95	535000	535000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80941078	NORMA EUSTOLIA GOMEZ-SONORA	92567	Primary	Single Family	N	360	360	79.74	1	4/1/2005	3/1/2035	0.375	3/1/2005	312600	Rate/Term Refinance	MTA	3.075	4/1/2005	9.95	392000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80941582	JENNY H NGUYEN	92865	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	480000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	600000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80943238	PABLO M MORA	92028	Primary	Single Family	N	360	359	73.03	5.125	3/1/2005	2/1/2035	0.375	3/1/2005	650000	Cash Out Refinance	MTA	3.05	4/1/2005	9.95	890000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80943614	ROBERT V CHRISTMAN	92845	Investor	Single Family	N	360	360	56.31	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	290000	Cash Out Refinance	MTA	3.025	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80943830	RODOLFO E PAREDES	91902	Primary	Single Family	N	360	360	59.44	1	4/1/2005	3/1/2035	0.375	3/1/2005	428000	Rate/Term Refinance	MTA	2.725	4/1/2005	9.95	720000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80943966	ALBERTO ESPINAS	78572	Primary	PUD	N	360	360	66.6	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	209800	Rate/Term Refinance	MTA	3.375	6/1/2005	9.95	315000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80944943	CALVIN A CAMPBELL-WHITTER	20783	Primary	PUD	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	337500	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80945503	RICHARD V ROBINSON	48867	Primary	Single Family	N	360	360	80	1	5/1/2005	4/1/2035	0.375	4/1/2005	108000	Cash Out Refinance	MTA	2.5	5/1/2005	9.95	135000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80946079	RANDY REX LUND	89141	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	544000	Cash Out Refinance	MTA	1.9	4/1/2005	9.95	680000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80946455	JEFFREY L ROARK	89122	Primary	Single Family	N	360	360	84.94	2	4/1/2005	3/1/2035	0.375	4/1/2005	203000	Cash Out Refinance	MTA	3.075	4/1/2005	10.95	239000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80948639	SCOTT RICHARD JOHNSON	94506	Primary	PUD	N	360	360	45.51	1	4/1/2005	3/1/2035	0.375	3/1/2005	355000	Rate/Term Refinance	MTA	2.65	4/1/2005	9.95	780000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80948783	RANDELL HANVELT	95223	Primary	Single Family	N	360	359	38.96	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	770000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80949335	ELIZABETH M. CERAOLO	95111	Primary	Single Family	N	360	359	58.25	4.625	3/1/2005	2/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	515000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80949735	MARIO ARREDONDO	91962	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	396000	Purchase	MTA	2.9	4/1/2005	9.95	500000	495000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80949743	RICHARD BLASCHKE	92253	Investor	PUD	N	360	360	44.92	1.375	4/1/2005	3/1/2035	0.375	4/1/2005	292000	Rate/Term Refinance	MTA	3.275	4/1/2005	9.95	650000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80950327	TOAN NGUYEN	95991	Primary	Single Family	N	360	360	79.77	1	4/1/2005	3/1/2035	0.375	3/1/2005	276000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	346000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80950799	NANCY QUIROZ	92404	Primary	Single Family	N	360	360	79.37	1	4/1/2005	3/1/2035	0.375	3/1/2005	200000	Cash Out Refinance	MTA	1.9	4/1/2005	9.95	252000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80950871	ROBERT I DOW	92057	Primary	PUD	N	360	360	61.9	1	4/1/2005	3/1/2035	0.375	3/1/2005	390000	Cash Out Refinance	MTA	2.525	4/1/2005	9.95	630000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80951143	JENNIFER KIRKPATRICK	93720	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	230000	Purchase	MTA	2.65	4/1/2005	9.95	289000	287500	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80951279	JOSE C HERNANDEZ	98004	Primary	Single Family	N	360	360	79.78	1	4/1/2005	3/1/2035	0.375	3/1/2005	359000	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	450000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80951647	JOSEPH W BARKLEY	92040	Primary	Single Family	N	360	360	67.86	1	4/1/2005	3/1/2035	0.375	3/1/2005	380000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	560000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80951679	GEORGE W. KRAINERT	94558	Primary	Single Family	N	360	360	71.11	1	4/1/2005	3/1/2035	0.375	4/1/2005	384000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	540000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80951735	CARMEN CASTREJON	93117	Primary	Single Family	N	360	360	45.96	1	4/1/2005	3/1/2035	0.375	4/1/2005	324000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	705000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80952175	JAMES K NANCE	94509	Primary	Single Family	N	360	360	78.02	1	4/1/2005	3/1/2035	0.375	3/1/2005	433000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	555000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80952183	WHITNEY B MCBRIDE	84075	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	480000	Rate/Term Refinance	MTA	2.775	4/1/2005	9.95	600000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80952399	GERARDO SANDOVAL	92027	Investor	Single Family	N	360	360	70	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	280000	Rate/Term Refinance	MTA	3.275	4/1/2005	9.95	400000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80952407	CHARLES J DOOLITTLE	92373	Primary	Single Family	N	360	360	76.67	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	460000	Purchase	MTA	2.925	6/1/2005	9.95	649000	600000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80952519	BRIAN L JOHNSON	90504	Primary	Single Family	N	360	360	72.55	1	4/1/2005	3/1/2035	0.375	3/1/2005	341000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80952567	WALTER ANTONIO CASTRO	92336	Primary	Single Family	N	360	360	79.48	1	4/1/2005	3/1/2035	0.375	3/1/2005	352250	Purchase	MTA	2.575	4/1/2005	9.95	444000	443205	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80952848	JULIE BROWN-MODENOS	94591	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	308000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	385000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80954272	FRANK ARREDONDO	95818	Primary	Single Family	N	360	360	54.58	1	4/1/2005	3/1/2035	0.375	3/1/2005	232500	Rate/Term Refinance	MTA	3.075	4/1/2005	9.95	426000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80954288	RICARDO R RODRIGUEZ	60803	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	169600	Cash Out Refinance	MTA	2.9	4/1/2005	9.95	212000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80955056	ZELDA BROWN	11746	Primary	Single Family	N	360	360	68.09	1	4/1/2005	3/1/2035	0.375	3/1/2005	320000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	470000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80955384	RONALD J. GUTMAN	41051	Primary	Single Family	N	360	360	74.69	1	4/1/2005	3/1/2035	0.375	3/1/2005	121000	Rate/Term Refinance	MTA	2.875	4/1/2005	9.95	162000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80955720	JOHNNY J YANEZ	91764	Primary	Single Family	N	360	360	76	1	4/1/2005	3/1/2035	0.375	3/1/2005	266000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	350000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80955992	JERRY MUNGER	95407	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	460000	Cash Out Refinance	MTA	2.65	4/1/2005	9.95	575000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80956104	FRANCISCO GARCIA	95062	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	560000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	700000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80957056	CHAO LEE	93661	Primary	Single Family	N	360	360	70.94	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	340500	Rate/Term Refinance	MTA	2.6	6/1/2005	9.95	480000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80957624	ALFRED A GILLETT	89138	Primary	PUD	N	360	360	68.18	1	4/1/2005	3/1/2035	0.375	3/1/2005	450000	Cash Out Refinance	MTA	2.575	4/1/2005	9.95	660000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80957856	DOUGLAS JORDAN ASHBY	75081	Investor	Single Family	N	360	360	79.94	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	141500	Rate/Term Refinance	MTA	3.275	4/1/2005	9.95	177000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80958440	ROGELIO FERNANDEZ	95127	Primary	Single Family	N	360	360	77.64	1	4/1/2005	3/1/2035	0.375	3/1/2005	434000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	559000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80959728	CHRISTOPHER A. CRAWFORD	32311	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	229750	Purchase	MTA	2.8	4/1/2005	9.95	295000	287190	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80960769	JANICE VISEL	95065	Primary	Single Family	N	360	360	68.13	1	5/1/2005	4/1/2035	0.375	4/1/2005	419000	Cash Out Refinance	MTA	3.075	5/1/2005	9.95	615000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80961337	JOSE A CAMBERO-CARRILLO	91768	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	296000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	370000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80961417	GLORIA CUEVAS	94560	Primary	PUD	N	360	360	67.6	1	4/1/2005	3/1/2035	0.375	3/1/2005	605000	Rate/Term Refinance	MTA	2.525	4/1/2005	9.95	895000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80962297	YEUN JONG MOON	93021	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	544000	Cash Out Refinance	MTA	3.075	4/1/2005	9.95	680000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80962553	YSMAEL AGUIRRE RUIZ	92656	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	431900	Purchase	MTA	2.8	4/1/2005	9.95	540000	539900	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80962713	LARRY FLETT	33922	Primary	Single Family	N	360	360	76.52	1	4/1/2005	3/1/2035	0.375	3/1/2005	359650	Purchase	MTA	2.8	4/1/2005	9.95	487000	470000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80962945	DWIGHT D WORSWICK	92105	Investor	Single Family	N	360	360	80	1.375	4/1/2005	3/1/2035	0.375	3/1/2005	384000	Purchase	MTA	2.775	4/1/2005	9.95	485000	480000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80963017	GARY W COTTER	33706	Second Home	Condominium	N	360	360	75	1	4/1/2005	3/1/2035	0.375	3/1/2005	211500	Purchase	MTA	2.9	4/1/2005	9.95	300000	282000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80963177	RONNIE L KING	92604	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	600000	Cash Out Refinance	MTA	1.9	4/1/2005	9.95	750000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80963305	RICARDO J PERAZA	33134	Primary	Condominium	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	328000	Rate/Term Refinance	MTA	2.9	4/1/2005	9.95	410000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80963545	STEVEN M. LIBERATORE	92081	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	508000	Purchase	MTA	2.65	4/1/2005	9.95	635000	635000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80963625	LUIS A CRUZ	93635	Primary	Single Family	N	360	360	80	1.75	4/1/2005	3/1/2035	0.375	3/1/2005	372000	Purchase	MTA	2.95	6/1/2005	9.95	465000	465000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80963657	RODOLFO BARBONTIN	95368	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	286400	Purchase	MTA	2.775	4/1/2005	9.95	358000	358000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80964465	RICHARD HAYES	93292	Primary	Single Family	N	360	360	70.72	1	4/1/2005	3/1/2035	0.375	3/1/2005	157000	Rate/Term Refinance	MTA	2.8	4/1/2005	9.95	222000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80964529	RHONDA L CRAFT	95758	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375	3/1/2005	300000	Cash Out Refinance	MTA	2.8	4/1/2005	9.95	375000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80964601	DIRK REYES	93722	Primary	Single Family	N	360	360	79.79	1	4/1/2005	3/1/2035	0.375	4/1/2005	225000	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	282000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80964673	KAREN M TOOROP	93561	Primary	Single Family	N	360	360	64.23	1	4/1/2005	3/1/2035	0.375	3/1/2005	136800	Cash Out Refinance	MTA	2.775	4/1/2005	9.95	213000	0	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	1	BONY
80964873	JAIME COLLAZO	94577	Primary	PUD	N	360	360	80	1	4/1/2005	3/1/2035	0.375	4/1/2005	624000	Purchase	MTA	2.8	4/1/2005	9.95	780000	780000	Negam MTA	0	COUNTRYWIDE	COUNTRYWIDE	2	BONY
80964913	JOHN G STEVENS III	95650	Primary	Single Family	N	360	360	80	1	4/1/2005	3/1/2035	0.375

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GREENWICH CAPITAL ACCEPTANCE, INC., Depositor GREENWICH CAPITAL FINANCIAL PRODUCTS, INC., Seller and POOLING AND SERVICING AGREEMENT Dated as of March 1, 2005 HarborView Mortgage Loan Trust 2005-2 Mortgage Loan Pass-Through Certificates, Series 2005-2

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