TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT
RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC.,
Company,
RESIDENTIAL FUNDING CORPORATION,
Master Servicer,
and
DEUTSCHE BANK TRUST COMPANY AMERICAS,
Trustee
SERIES SUPPLEMENT,
DATED AS OF DECEMBER 1, 2002,
TO
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
DATED AS OF AUGUST 1, 2002
Mortgage Pass-Through Certificates
Series 2002-S19
TABLE OF CONTENTS
PAGE
ARTICLE I
DEFINITIONS
Section 1.01 Definitions.................................................................-4-
Section 1.02 Use of Words and Phrases...................................................-18-
Section 1.03 Determination of LIBOR.....................................................-18-
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms)
..........................................................................-20-
Section 2.02 Acceptance by Trustee. (See Section 2.02 of the Standard Terms)
..........................................................................-20-
Section 2.03 Representations, Warranties and Covenants of the Master Servicer and the Company
..........................................................................-20-
Section 2.04 Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms)
..........................................................................-22-
Section 2.05 Execution and Authentication of Certificates...............................-22-
Section 2.06 Conveyance of Uncertificated REMIC I Regular Interests.....................-23-
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01 Certificate Account. (See Section 4.01 of the Standard Terms).............-25-
Section 4.02 Distributions..............................................................-25-
Section 4.03 Statements to Certificateholders; Exchange Act Reporting. (See Section 4.03(a)
through (d) of the Standard Terms and Exhibit Three attached hereto).......-34-
Section 4.04 Distribution of Reports to the Trustee and the Company; Advances by the Master
Servicer. (See Section 4.04 of the Standard Terms).........................-35-
Section 4.05 Allocation of Realized Losses..............................................-35-
Section 4.06 Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06
of the Standard Terms).....................................................-36-
Section 4.07 Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard
Terms).....................................................................-36-
Section 4.08 [Reserved].................................................................-36-
Section 4.09 Distributions on the Uncertificated REMIC I Regular Interests..............-36-
Section 4.10 Distributions on the Uncertificated Class A-V REMIC Regular Interests......-37-
ARTICLE V
THE CERTIFICATES
Section 5.01 The Certificates. (See Section 5.01 of the Standard Terms)................-39-
Section 5.02 Registration of Transfer and Exchange of Certificates (See Section 5.01(a) through
(d) and (f) through (h) of the Standard Terms).............................-39-
Section 5.03 Mutilated, Destroyed, Lost or Stolen Certificates (See Section 5.03 of the Standard
Terms).....................................................................-40-
Section 5.04 Persons Deemed Owners (See Section 5.04 of the Standard Terms).............-40-
Section 5.05 Appointment of Paying Agent (See Section 5.05 of the Standard Terms).......-40-
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
ARTICLE VII
DEFAULT
ARTICLE VIII
CONCERNING THE TRUSTEE
ARTICLE IX
TERMINATION
ARTICLE X
REMIC PROVISIONS
Section 10.01 REMIC Administration. (See Section 10.01 of the Standard Terms)...........-45-
Section 10.02 Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section
10.02 of the Standard Terms)..............................................-45-
Section 10.03 Designation of REMIC(s)....................................................-45-
Section 10.04 Distributions on the Uncertificated REMIC Regular Interests................-45-
Section 10.05 Compliance with Withholding Requirements...................................-46-
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment. (See Section 11.01 of the Standard Terms)......................-47-
Section 11.02 Recordation of Agreement. Counterparts. (See Section 11.02 of the Standard
Terms).....................................................................-47-
Section 11.03 Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard
Terms).....................................................................-47-
Section 11.04 Governing Laws. (See Section 11.04 of the Standard Terms).................-47-
Section 11.05 Notices....................................................................-47-
Section 11.06 Required Notices to Rating Agency and Subservicer..........................-48-
Section 11.07 Severability of Provisions. (See Section 11.07 of the Standard Terms)......-48-
Section 11.08 Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard
Terms).....................................................................-48-
Section 11.09 Allocation of Voting Rights................................................-48-
EXHIBITS
Exhibit One: Mortgage Loan Schedule
Exhibit Two: Schedule of Discount Fractions
Exhibit Three: Information to be Included in
Monthly Distribution Date Statement
Exhibit Four: Standard Terms of Pooling and Servicing
Agreement dated as of August 1, 2002
Exhibit Five: Planned Principal Balances and Targeted Principal Balances
Exhibit Six: Form of Form 10-K Certificate
Exhibit Seven: Form of Back-up Certification to Form 10-K Certificate
This is a Series Supplement, dated as of December 1, 2002 (the "Series
Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as
of August 1, 2002 and attached as Exhibit Four hereto (the "Standard Terms" and,
together with this Series Supplement, the "Pooling and Servicing Agreement" or
"Agreement"), among RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC., as the
company (together with its permitted successors and assigns, the "Company"),
RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted
successors and assigns, the "Master Servicer"), and DEUTSCHE BANK TRUST COMPANY
AMERICAS, as Trustee (together with its permitted successors and assigns, the
"Trustee").
PRELIMINARY STATEMENT
The Company intends to sell Mortgage Pass-Through Certificates
(collectively, the "Certificates"), to be issued hereunder in multiple classes,
which in the aggregate will evidence the entire beneficial ownership interest in
the Trust Fund. As provided herein, the REMIC Administrator will make an
election to treat the entire segregated pool of assets described in the
definition of REMIC I (as defined herein), and subject to this Agreement
(including the Mortgage Loans but excluding the Initial Monthly Payment Fund),
as a real estate mortgage investment conduit (a "REMIC") for federal income tax
purposes and such segregated pool of assets will be designated as the "REMIC I."
The Uncertificated REMIC I Regular Interests will be "regular interests" in
REMIC I and the Class R-I Certificates will be the sole class of "residual
interests" in REMIC I for purposes of the REMIC Provisions (as defined herein).
A segregated pool of assets consisting of the Uncertificated REMIC I Regular
Interests will be designated as "REMIC II," and the REMIC Administrator will
make a separate REMIC election with respect thereto. The Class A-1 Certificates,
Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class
A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8
Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11
Certificates, Class A-12 Certificates, Class A-13 Certificates, Class A-14
Certificates, Class A-15 Certificates, Class A-P Certificates, Class M-1
Certificates, Class M-2 Certificates, Class M-3 Certificates, Class B-1
Certificates, Class B-2 Certificates, Class B-3 Certificates and the
Uncertificated Class A-V REMIC Regular Interests will be "regular interests" in
REMIC II and the Class R-II Certificates will be the sole class of "residual
interests" therein for purposes of the REMIC Provisions. The Class A-V
Certificates will represent the entire beneficial ownership interest in the
Uncertificated Class A-V REMIC Regular Interests.
The terms and provisions of the Standard Terms are hereby incorporated
by reference herein as though set forth in full herein. If any term or provision
contained herein shall conflict with or be inconsistent with any provision
contained in the Standard Terms, the terms and provisions of this Series
Supplement shall govern. Any cross-reference to a section of the Pooling and
Servicing Agreement, to the extent the terms of the Standard Terms and Series
Supplement conflict with respect to that section, shall be a cross-reference to
the related section of the Series Supplement. All capitalized terms not
otherwise defined herein shall have the meanings set forth in the Standard
Terms. The Pooling and Servicing Agreement shall be dated as of the date of the
Series Supplement.
The following table irrevocably sets forth the designation, the
Uncertificated REMIC I Pass- Through Rate, the initial Uncertificated Principal
Balance, and solely for purposes of satisfying Treasury regulation Section
1.860G-1(a)(4)(iii), the "latest possible maturity date" for each of the
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Uncertificated REMIC I Regular Interests. None of the Uncertificated REMIC I
Regular Interests will be certificated.
Uncertificated
REMIC I
Pass-Through Initial Uncertificated Latest
DESIGNATION Rate Principal Balance Possible Maturity(1)
REMIC I Regular Interest 5.00%
U $50,000,000.00 December 25, 2032
REMIC I Regular Interest 6.00%
V $193,300,012.57 December 25, 2032
REMIC I Regular Interest 4.25%
W $26,178,236.00 December 25, 2032
REMIC I Regular Interest 8.50%
X $18,324,764.00 December 25, 2032
REMIC I Regular Interest 8.50%
Y $20,000,000.00 December 25, 2032
REMIC I Regular Interest 0.00%
Z $2,371,569.13 December 25, 2032
REMIC I December 25, 2032
IO Regular Interests Variable (2) N/A(3)
___________________
(1) Solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury
regulations, the Distribution Date immediately following the maturity date for
the Mortgage Loan with the latest maturity date has been designated as the
"latest possible maturity date" for each REMIC I Regular Interest.
(2) Calculated in accordance with the definition of "Uncertificated Pass-Through
Rate" herein.
(3) The Uncertificated REMIC I IO Regular Interests have no Uncertificated
Principal Balance.
The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings
and certain features for each Class of Certificates comprising the interests in
the Trust Fund created hereunder.
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The following table sets forth the designation, type, Pass-Through Rate,
aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings
and certain features for each Class of Certificates comprising the interests in
the Trust Fund created hereunder.
AGGREGATE
INITIAL
CERTIFICATE
PASS-THROUGH PRINCIPAL MATURITY INITIAL RATINGS MINIMUM
DESIGNATION RATE BALANCE FEATURES1 DATE FITCH/ S&P DENOMINATIONS2
Class A-1 5.00% $ 50,000,000.00 Senior December 25, 2032 AAA/AAA $25,000
Class A-2 6.00% $ 75,000,000.00 Senior December 25, 2032 AAA/AAA $25,000
Class A-3 4.25% $ 26,178,236.00 Senior/PAC December 25, 2032 AAA/AAA $25,000
Class A-4 Adjustable Rate $ 18,324,764.00 Senior/PAC/Floater December 25, 2032 AAA/AAA $25,000
Senior/Inverse
Class A-5 Adjustable Rate $ 0.00 Floater/Interest Only December 25, 2032 AAA/AAA $25,000
Class A-6 6.00% $ 40,000,000.00 Senior/TAC December 25, 2032 AAA/AAA $25,000
Class A-7 6.00% $ 3,997,000.00 Senior/Companion December 25, 2032 AAA/AAA $25,000
Class A-8 Adjustable Rate $ 20,000,000.00 Senior/Floater December 25, 2032 AAA/AAA $25,000
Senior/Inverse
Class A-9 Adjustable Rate $ 0.00 Floater/Interest Only December 25, 2032 AAA/AAA $25,000
Class A-10 6.00% $ 17,285,000.00 Super Senior December 25, 2032 AAA/AAA $25,000
Class A-11 6.00% $ 606,000.00 Senior Support December 25, 2032 AAA/AAA $25,000
Class A-12 6.00% $ 17,453,000.00 Super Senior December 25, 2032 AAA/AAA $25,000
Class A-13 6.00% $ 187,000.00 Senior Support December 25, 2032 AAA/AAA $25,000
Class A-14 6.00% $ 27,915,000.00 Super Senior/Lockout December 25, 2032 AAA/AAA $25,000
Class A-15 6.00% $ 3,102,000.00 Senior Support/Lockout December 25, 2032 AAA/AAA $25,000
Senior/Principal
Class A-P 0.00% $ 2,371,569.03 Only December 25, 2032 AAA/AAA $25,000
Senior/Interest0Only/
Class A-V Variable Rate $ 0.00 Variable Strip December 25, 2032 AAA/AAA 20%
Class R-I 6.00% $ 100.00 Senior/Residual0 December 25, 2032 AAA/AAA 20%
Class R-II 6.00% $ 100.00 Senior/Residual0 December 25, 0000 XXX/XXX 20%
Class M-1 6.00% $ 4,342,800.00 Mezzanine December 25, 2032 NA/AA $25,000
Class M-2 6.00% $ 1,240,700.00 Mezzanine December 25, 2032 NA/A $250,000
--------
1 The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class
A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13,
Class A-14, Class A-15 and Class M Certificates shall be Book-Entry
Certificates. The Class A-P, Class A-V, Class R and Class B Certificates
shall be delivered to the holders thereof in physical form.
2 The Certificates, other than the Class A-V and Class R Certificates, shall
be issuable in minimum dollar denominations as indicated above (by
Certificate Principal Balance or Notional Amount, as applicable) and
integral multiples of $1 (or $1,000 in the case of the Class A-P, Class
B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that
one Certificate of any of the Class A-P and Class B Certificates that
contains an uneven multiple of $1,000 shall be issued in a denomination
equal to the sum of the related minimum denomination set forth above and
such uneven multiple for such Class or the sum of such denomination and an
integral multiple of $1,000. The Class R Certificates and Class A-V
Certificates shall be issuable in minimum denominations of not less than a
20% Percentage Interest; provided, however, that one Class R Certificate
will be issuable to Residential Funding as "tax matters person" pursuant to
Section 10.01(c) and (e) in a minimum denomination representing a
Percentage Interest of not less than 0.01%.
-3-
Class M-3 6.00% $ 775,500.00 Mezzanine December 25, 2032 NA/BBB $250,000
Class B-1 6.00% $ 620,400.00 Subordinate December 25, 2032 NA/BB $250,000
Class B-2 6.00% $ 310,200.00 Subordinate December 25, 2032 NA/B $250,000
Class B-3 6.00% $ 465,312.57 Subordinate December 25, 2032 NA/NA $250,000
The Mortgage Loans have an aggregate principal balance as of the Cut-off
Date of $310,174,681.60.
In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:
ARTICLE I
DEFINITIONS
Section 1.01 Definitions.
Whenever used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the meanings specified in this
Article.
Adjustable Rate Certificates: Any one of the Class A-4,
Class A-5, Class A-8 or Class A-9 Certificates.
Bankruptcy Amount: As of any date of determination prior to the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A)
$100,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to
one or more specific Classes of Certificates in accordance with Section 4.05 of
this Series Supplement. As of any date of determination on or after the first
anniversary of the Cut-off Date, an amount equal to the excess, if any, of
(1) the lesser of (a) the Bankruptcy Amount calculated as of the
close of business on the Business Day immediately preceding the most
recent anniversary of the Cut-off Date coinciding with or preceding such
date of determination (or, if such date of determination is an
anniversary of the Cut-off Date, the Business Day immediately preceding
such date of determination) (for purposes of this definition, the
"Relevant Anniversary") and (b) the greater of
(A) the greater of (i) 0.0006 times the aggregate
principal balance of all the Mortgage Loans in the Mortgage Pool
as of the Relevant Anniversary (other than Additional Collateral
Loans, if any) having a Loan-to-Value Ratio at origination which
exceeds 75% and (ii) $100,000; and
(B) the greater of (i) the product of (x) an amount equal
to the largest difference in the related Monthly Payment for any
Non-Primary Residence Loan remaining in the Mortgage Pool (other
than Additional Collateral Loans, if any) which had an original
Loan-to-Value Ratio of 80% or greater that would result if the
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Net Mortgage Rate thereof was equal to the weighted average
(based on the principal balance of the Mortgage Loans as of the
Relevant Anniversary) of the Net Mortgage Rates of all Mortgage
Loans as of the Relevant Anniversary less 1.25% per annum, (y) a
number equal to the weighted average remaining term to maturity,
in months, of all Non-Primary Residence Loans remaining in the
Mortgage Pool as of the Relevant Anniversary, and (z) one plus
the quotient of the number of all Non- Primary Residence Loans
remaining in the Mortgage Pool divided by the total number of
Outstanding Mortgage Loans in the Mortgage Pool as of the
Relevant Anniversary, and (ii) $50,000, over (2) the aggregate
amount of Bankruptcy Losses allocated solely to one or more
specific Classes of Certificates in accordance with Section 4.05
since the Relevant Anniversary.
The Bankruptcy Amount may be further reduced by the Master Servicer
(including accelerating the manner in which such coverage is reduced) provided
that prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such Rating Agency and (ii) provide a copy of such
written confirmation to the Trustee.
Certificate: Any Class A, Class M, Class B or Class R Certificate.
Certificate Account: The separate account or accounts created and
maintained pursuant to Section 4.01 of the Standard Terms, which shall be
entitled "Deutsche Bank Trust Company Americas, as trustee, in trust for the
registered holders of Residential Funding Mortgage Securities I, Inc., Mortgage
Pass-Through Certificates, Series 2002-S19" and which must be an Eligible
Account.
Class A Certificate: Any one of the Class X-0, Xxxxx X-0, Class A-3,
Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10,
Class A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-P or Class
A-V Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed to the Standard Terms as Exhibit A.
Class R Certificate: Any one of the Class R-I Certificates and Class
R-II Certificates executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed to the Standard Terms as Exhibit D
and evidencing an interest designated as a "residual interest" in the each REMIC
for purposes of the REMIC Provisions.
Closing Date: December 30, 2002.
Commission: The Securities and Exchange Commission.
Corporate Trust Office: The principal office of the Trustee at which at any
particular time its corporate trust business with respect to this Agreement
shall be administered, which office at the date of the execution of this
instrument is located at 0000 Xxxx Xx. Xxxxxx Xxxxx, Xxxxx Xxx, Xxxxxxxxxx
00000-0000, Attention: Residential Funding Corporation Series 2002-S19.
-5-
Corresponding Certificated Interests: With respect to Uncertificated
REMIC I Regular Interest U, the Class A-1 Certificates; with respect to
Uncertificated REMIC I Regular Interest V, the Class A-2, Class X-0, Xxxxx X-0,
Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class
M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II
Certificates; with respect to Uncertificated REMIC I Regular Interest W, the
Class A-3 Certificates; with respect to Uncertificated REMIC I Regular Interest
X, the Class A-4 Certificates; with respect to Uncertificated REMIC I Regular
Interest Y, the Class A-8 Certificates; with respect to Uncertificated REMIC I
Regular Interest Z, the Class A-P Certificates; and with respect to the
Uncertificated REMIC I IO Regular Interests, the Class A-V Certificates.
Cut-off Date: December 1, 2002.
Determination Date: With respect to any Distribution Date, the second
Business Day prior to each Distribution Date.
Discount Net Mortgage Rate: 6.00% per annum.
Due Period: With respect to each Distribution Date and any Mortgage
Loan, the period commencing on the second day of the month prior to the month in
which such Distribution Date occurs and ending on the first day of the month in
which such Distribution Date occurs.
Eligible Funds: On any Distribution Date, the portion, if any, of the
Available Distribution Amount remaining after reduction by the sum of (i) the
aggregate amount of Accrued Certificate Interest on the Senior Certificates,
(ii) the Senior Principal Distribution Amount (determined without regard to
Section 4.02(a)(ii)(Y)(D) of this Series Supplement), (iii) the Class A-P
Principal Distribution Amount (determined without regard to Section
4.02(b)(i)(E) of this Series Supplement) and (iv) the aggregate amount of
Accrued Certificate Interest on the Class M, Class B-1 and Class B-2
Certificates.
Fraud Loss Amount: As of any date of determination after the Cut-off
Date, an amount equal to: (X) prior to the third anniversary of the Cut-off
Date, an amount equal to 1.0% of the aggregate outstanding principal balance of
all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of
Fraud Losses allocated solely to one or more specific Classes of Certificates in
accordance with Section 4.05 of this Series Supplement since the Cut-off Date up
to such date of determination and (Y) from the third to the fifth anniversary of
the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount
as of the most recent anniversary of the Cut-off Date and (b) 0.50% of the
aggregate outstanding principal balance of all of the Mortgage Loans as of the
most recent anniversary of the Cut-off Date minus (2) the aggregate amount of
Fraud Losses allocated solely to one or more specific Classes of Certificates in
accordance with Section 4.05 of this Series Supplement since the most recent
anniversary of the Cut-off Date up to such date of determination. On and after
the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero.
The Fraud Loss Amount may be further reduced by the Master Servicer
(including accelerating the manner in which such coverage is reduced) provided
that prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that
-6-
such reduction shall not reduce the rating assigned to any Class of Certificates
by such Rating Agency below the lower of the then-current rating or the rating
assigned to such Certificates as of the Closing Date by such Rating Agency and
(ii) provide a copy of such written confirmation to the Trustee.
Indirect Depository Participant: An institution that is not a Depository
Participant but clears through or maintains a custodial relationship with
Participants and has access to the Depository's clearing system.
Initial Monthly Payment Fund: $155,221 representing scheduled principal
amortization and interest at the Net Mortgage Rate during the Due Period ending
in December 2002, for those Mortgage Loans for which the Trustee will not be
entitled to receive such payment in accordance with the definition of "Trust
Fund". The Initial Monthly Payment Fund will not be part of any REMIC.
Initial Notional Amount: With respect to the Class A-5 Certificates,
$18,324,764.00. With respect to the Class A-9 Certificates, $20,000,000.00. With
respect to any Class A-V Certificates or Subclass thereof issued pursuant to
Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage
Loans corresponding to the Uncertificated Class A-V REMIC Regular Interests
represented by such Class or Subclass on such date.
Initial Subordinate Class Percentage: With respect to each Class of
Subordinate Certificates, an amount which is equal to the initial aggregate
Certificate Principal Balance of such Class of Subordinate Certificates divided
by the aggregate Stated Principal Balance of all the Mortgage Loans as of the
Cut-off Date as follows:
Class M-1: 1.40% Class B-1: 0.20%
Class M-2: 0.40% Class B-2: 0.10%
Class M-3: 0.25% Class B-3: 0.15%
Interest Only Certificates: Any one of the Class A-5, Class A-9 or Class
A-V Certificates. The Interest Only Certificates will have no Certificate
Principal Balance.
Interest Accrual Period: With respect to any Certificates (other than
the Adjustable Rate Certificates) and any Distribution Date, the calendar month
preceding the month in which such Distribution Date occurs. With respect to the
Adjustable Rate Certificates, the one-month period commencing on the 25th day of
the month preceding the month in which the Distribution Date occurs and ending
on the 24th day of the month in which the Distribution Date occurs.
LIBOR Business Day: Any day other than (i) a Saturday or Sunday or (ii)
a day on which banking institutions in London, England are required or
authorized to by law to be closed.
LIBOR Rate Adjustment Date: With respect to each Distribution Date and
the Adjustable Rate Certificates, the second LIBOR Business Day immediately
preceding the commencement of the related Interest Accrual Period on which banks
are open for dealing in foreign currency and exchange in London, England.
-7-
Lockout Certificates: The Class A-14 Certificates and Class A-15
Certificates.
Lockout Percentage: For any Distribution Date occurring prior to the
Distribution Date in January 2008, 0%. For any Distribution Date occurring after
the first five years following the Closing Date, a percentage determined as
follows: (i) for any Distribution Date during the sixth year after the Closing
Date, 30%; (ii) for any Distribution Date during the seventh year after the
Closing Date, 40%; (iii) for any Distribution Date during the eighth year after
the Closing Date, 60%; (iv) for any Distribution Date during the ninth year
after the Closing Date, 80%; and (v) for any Distribution Date thereafter, 100%.
Maturity Date: With respect to each Class of Certificates, December 25,
2032, the Distribution Date immediately following the latest scheduled maturity
date of any Mortgage Loan.
Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached
hereto as Exhibit One (as amended from time to time to reflect the addition of
Qualified Substitute Mortgage Loans), which list or lists shall set forth the
following information as to each Mortgage Loan:
(a) the Mortgage Loan identifying number ("RFC LOAN #");
(b) the maturity of the Mortgage Note ("MATURITY DATE");
(c) the Mortgage Rate ("ORIG RATE");
(d) the Subservicer pass-through rate ("CURR NET");
(e) the Net Mortgage Rate ("NET MTG RT");
(f) the Pool Strip Rate ("STRIP");
(g) the initial scheduled monthly payment of principal, if any, and
interest ("ORIGINAL P & I");
(h) the Cut-off Date Principal Balance ("PRINCIPAL BAL");
(i) the Loan-to-Value Ratio at origination ("LTV");
(j) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and
at which the Servicing Fee accrues ("MSTR SERV FEE");
(k) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating
that the Mortgage Loan is secured by a second or vacation
residence; and
(l) a code "N" under the column "OCCP CODE," indicating that the
Mortgage Loan is secured by a non-owner occupied residence.
Such schedule may consist of multiple reports that collectively set forth all of
the information required.
Notional Amount: As of any Distribution Date, with respect to the Class
A-5 Certificates, an amount equal to the Certificate Principal Balance of the
Class A-4 Certificates. For federal income tax purposes, however, as of any
Distribution Date, with respect to the Class A-5 Certificates, the equivalent of
the foregoing, expressed as the Uncertificated Principal Balance of
Uncertificated REMIC I Regular Interest X. As of the Closing Date, the Notional
Amount of the Class A-5 Certificates is equal to $18,324,764.00. As of any
Distribution Date, with respect to the Class A-9 Certificates, an amount equal
to the Certificate Principal Balance of the Class A-8 Certificates. For federal
income tax purposes, however, as of any Distribution Date, with respect to the
Class A-9 Certificates, the equivalent of the foregoing, expressed as the
Uncertificated
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Principal Balance of Uncertificated REMIC I Regular Interest Y. As of the
Closing Date, the Notional Amount of the Class A-9 Certificates is equal to
$20,000,000.00. As of any Distribution Date, with respect to any Class A-V
Certificates or Subclass thereof issued pursuant to Section 5.01(c), the
aggregate Stated Principal Balance of the Mortgage Loans corresponding to the
Uncertificated Class A-V REMIC Regular Interests represented by such Class or
Subclass as of the day immediately preceding such Distribution Date (or, with
respect to the initial Distribution Date, at the close of business on the
Cut-off Date).
PAC Certificates: Any one of the Class A-3 Certificates or Class A-4
Certificates.
Pass-Through Rate: With respect to the Class A Certificates (other than
the Adjustable Rate Certificates, Class A-V Certificates and Principal Only
Certificates), Class M Certificates, Class B Certificates and Class R
Certificates and any Distribution Date, the per annum rates set forth in the
Preliminary Statement hereto. With respect to the Class A-4 Certificates and the
initial Interest Accrual Period, 1.82% per annum, and as to any Interest Accrual
Period thereafter, a per annum rate equal to LIBOR plus 0.40%, subject to a
maximum rate of 8.50% per annum and a minimum rate of 0.40% per annum. With
respect to the Class A-5 Certificates and the initial Interest Accrual Period,
6.68% per annum, and as to any Interest Accrual Period thereafter, a per annum
rate equal to 8.10% minus LIBOR, subject to a maximum rate of 8.10% per annum
and a minimum rate of 0.00% per annum. With respect to the Class A-8
Certificates and the initial Interest Accrual Period, 1.97% per annum, and as to
any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus
0.55%, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.55%
per annum. With respect to the Class A-9 Certificates and the initial Interest
Accrual Period, 6.53% per annum, and as to any Interest Accrual Period
thereafter, a per annum rate equal to 7.95% minus LIBOR, subject to a maximum
rate of 7.95% per annum and a minimum rate of 0.00% per annum. With respect to
the Class A-V Certificates (other than any Subclass thereof) and any
Distribution Date, a rate equal to the weighted average, expressed as a
percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in
the related Due Period, weighted on the basis of the respective Stated Principal
Balances of such Mortgage Loans as of the day immediately preceding such
Distribution Date (or, with respect to the initial Distribution Date, at the
close of business on the Cut-off Date). With respect to the Class A-V
Certificates and the initial Distribution Date, the Pass-Through Rate is equal
to 0.0612% per annum. With respect to any Subclass of Class A-V Certificates and
any Distribution Date, a rate equal to the weighted average, expressed as a
percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the
Uncertificated Class A-V REMIC Regular Interests represented by such Subclass as
of the Due Date in the related Due Period, weighted on the basis of the
respective Stated Principal Balances of such Mortgage Loans as of the day
immediately preceding such Distribution Date (or with respect to the initial
Distribution Date, at the close of business on the Cut-off Date). The Principal
Only Certificates have no Pass-Through Rate and are not entitled to Accrued
Certificate Interest.
Planned Principal Balance: With respect to the PAC Certificates and each
Distribution Date, the amount set forth for such Classes and such Distribution
Date on Exhibit Five hereto.
Prepayment Assumption: A prepayment assumption of 300% of the prepayment
speed assumption, used for determining the accrual of original issue discount
and market discount and premium on the Certificates for federal income tax
purposes. The prepayment speed assumption
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assumes a constant rate of prepayment of mortgage loans of 0.2% per annum of the
then outstanding principal balance of such mortgage loans in the first month of
the life of the mortgage loans, increasing by an additional 0.2% per annum in
each succeeding month until the thirtieth month, and a constant 6% per annum
rate of prepayment thereafter for the life of the mortgage loans.
Prepayment Distribution Percentage: With respect to any Distribution Date
and each Class of Subordinate Certificates, under the applicable circumstances
set forth below, the respective percentages set forth below:
(i) For any Distribution Date prior to the Distribution Date in
January 2008 (unless the Certificate Principal Balances of the Senior
Certificates (other than the Class A-P Certificates) have been reduced to
zero), 0%.
(ii) For any Distribution Date for which clause (i) above does not
apply, and on which any Class of Subordinate Certificates is outstanding
with a Certificate Principal Balance greater than zero:
(a) in the case of the Class of Subordinate Certificates
then outstanding with the Highest Priority and each other Class of
Subordinate Certificates for which the related Prepayment
Distribution Trigger has been satisfied, a fraction, expressed as
a percentage, the numerator of which is the Certificate Principal
Balance of such Class immediately prior to such date and the
denominator of which is the sum of the Certificate Principal
Balances immediately prior to such date of (1) the Class of
Subordinate Certificates then outstanding with the Highest
Priority and (2) all other Classes of Subordinate Certificates for
which the respective Prepayment Distribution Triggers have been
satisfied; and
(b) in the case of each other Class of Subordinate
Certificates for which the Prepayment Distribution Triggers have
not been satisfied, 0%; and
(iii) Notwithstanding the foregoing, if the application of the
foregoing percentages on any Distribution Date as provided in Section
4.02 of this Series Supplement (determined without regard to the proviso
to the definition of "Subordinate Principal Distribution Amount") would
result in a distribution in respect of principal of any Class or Classes
of Subordinate Certificates in an amount greater than the remaining
Certificate Principal Balance thereof (any such class, a "Maturing
Class"), then: (a) the Prepayment Distribution Percentage of each
Maturing Class shall be reduced to a level that, when applied as
described above, would exactly reduce the Certificate Principal Balance
of such Class to zero; (b) the Prepayment Distribution Percentage of each
other Class of Subordinate Certificates (any such Class, a "Non-Maturing
Class") shall be recalculated in accordance with the provisions in
paragraph (ii) above, as if the Certificate Principal Balance of each
Maturing Class had been reduced to zero (such percentage as recalculated,
the "Recalculated Percentage"); (c) the total amount of the reductions in
the Prepayment Distribution Percentages of the Maturing Class or Classes
pursuant to clause (a) of this sentence, expressed as an aggregate
percentage, shall be allocated among the Non-Maturing Classes in
proportion to their respective Recalculated Percentages (the portion of
such aggregate reduction so allocated to any Non-Maturing Class,
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the "Adjustment Percentage"); and (d) for purposes of such Distribution
Date, the Prepayment Distribution Percentage of each Non-Maturing Class
shall be equal to the sum of (1) the Prepayment Distribution Percentage
thereof, calculated in accordance with the provisions in paragraph (ii)
above as if the Certificate Principal Balance of each Maturing Class had
not been reduced to zero, plus (2) the related Adjustment Percentage.
Principal Only Certificates: Any one of the Class A-P Certificates.
Record Date: With respect to each Distribution Date and each Class of
Certificates (other than the Adjustable Rate Certificates that are Book-Entry
Certificates), the close of business on the last business day of the month next
preceding the month in which the related Distribution Date occurs. With respect
to each Distribution Date and the Adjustable Rate Certificates (so long as they
are Book-Entry Certificates), the close of business on the Business Day prior to
such Distribution Date.
Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as
amended, or similar legislation or regulations as in effect from time to time.
Relief Act Shortfalls: Shortfalls in interest payable by a Mortgagor that
is not collectable from the Mortgagor pursuant to the Relief Act.
REMIC I: The segregated pool of assets related to this Series, with
respect to which a REMIC election is to be made (except as provided below)
pursuant to this Agreement, consisting of:
(i) the Mortgage Loans and the related Mortgage Files and collateral
securing such Mortgage Loans,
(ii) all payments on and collections in respect of the Mortgage Loans
due after the Cut-off Date as shall be on deposit in the Custodial
Account or in the Certificate Account and identified as belonging
to the Trust Fund, but not including amounts on deposit in the
Initial Monthly Payment Fund,
(iii) property that secured a Mortgage Loan and that has been acquired
for the benefit of the Certificateholders by foreclosure or deed
in lieu of foreclosure,
(iv) the hazard insurance policies and Primary Insurance Policies, if
any, and
(v) all proceeds of clauses (i) through (iv) above.
Notwithstanding the foregoing, the REMIC election specifically excludes
the Initial Monthly Payment Fund.
REMIC I Certificates: The Class R-I Certificates.
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REMIC II: The segregated pool of assets consisting of the Uncertificated
REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of
the holders of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class
A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class
A-13, Class A-14, Class A-15, Class A-P, Class A-V, Class M-1, Class M-2, Class
M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates pursuant to
Section 2.06, with respect to which a separate REMIC election is to be made. The
REMIC election with respect to REMIC II specifically excludes the Initial
Monthly Payment Fund.
REMIC II Certificates: Any of the Class A-1, Class A-2, Class A-3, Class
A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class
A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-P, Class A-V,
Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II
Certificates.
Scheduled Final Distribution Date: December 25, 2032.
Senior Certificate: Any one of the Class A Certificates or Class R
Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed to the Standard Terms as Exhibit A
and Exhibit D, respectively.
Senior Percentage: As of any Distribution Date, the lesser of 100% and a
fraction, expressed as a percentage, the numerator of which is the aggregate
Certificate Principal Balance of the Senior Certificates (other than the Class
A-P Certificates) immediately prior to such Distribution Date and the
denominator of which is the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
Senior Principal Distribution Amount: As to any Distribution Date, the
lesser of (a) the balance of the Available Distribution Amount remaining after
the distribution of all amounts required to be distributed pursuant to Section
4.02(a)(i) and Section 4.02(a)(ii)(X) of this Series Supplement, or, after the
Credit Support Depletion Date, the amount required to be distributed to the
Class A-P Certificateholders pursuant to Section 4.02(c) of this Series
Supplement and (b) the sum of the amounts required to be distributed to the
Senior Certificateholders on such Distribution Date pursuant to Section
4.02(a)(ii)(Y), (xvi) and (xvii) of this Series Supplement.
Senior Support Certificates: Any of the Class A-11, Class A-13 or Class
A-15 Certificates.
Special Hazard Amount: As of any Distribution Date, an amount equal to
$3,101,747 minus the sum of (i) the aggregate amount of Special Hazard Losses
allocated solely to one or more specific Classes of Certificates in accordance
with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as
defined below) as most recently calculated. For each anniversary of the Cut-off
Date, the Adjustment Amount shall be equal to the amount, if any, by which the
amount calculated in accordance with the preceding sentence (without giving
effect to the deduction of the Adjustment Amount for such anniversary) exceeds
the greater of (A) the greatest of (i) twice the outstanding principal balance
of the Mortgage Loan in the Trust Fund which has the largest outstanding
principal balance on the Distribution Date immediately preceding such
anniversary, (ii) the product of 1.00% multiplied by the outstanding principal
balance of all Mortgage Loans on the
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Distribution Date immediately preceding such anniversary and (iii) the aggregate
outstanding principal balance (as of the immediately preceding Distribution
Date) of the Mortgage Loans in any single five-digit California zip code area
with the largest amount of Mortgage Loans by aggregate principal balance as of
such anniversary and (B) the greater of (i) the product of 0.50% multiplied by
the outstanding principal balance of all Mortgage Loans on the Distribution Date
immediately preceding such anniversary multiplied by a fraction, the numerator
of which is equal to the aggregate outstanding principal balance (as of the
immediately preceding Distribution Date) of all of the Mortgage Loans secured by
Mortgaged Properties located in the State of California divided by the aggregate
outstanding principal balance (as of the immediately preceding Distribution
Date) of all of the Mortgage Loans, expressed as a percentage, and the
denominator of which is equal to 49.93% (which percentage is equal to the
percentage of Mortgage Loans initially secured by Mortgaged Properties located
in the State of California) and (ii) the aggregate outstanding principal balance
(as of the immediately preceding Distribution Date) of the largest Mortgage Loan
secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the
related Cooperative Apartment) located in the State of California.
The Special Hazard Amount may be further reduced by the Master Servicer
(including accelerating the manner in which coverage is reduced) provided that
prior to any such reduction, the Master Servicer shall (i) obtain written
confirmation from each Rating Agency that such reduction shall not reduce the
rating assigned to any Class of Certificates by such Rating Agency below the
lower of the then-current rating or the rating assigned to such Certificates as
of the Closing Date by such Rating Agency and (ii) provide a copy of such
written confirmation to the Trustee.
Subordinate Principal Distribution Amount: With respect to any
Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i)
the product of (x) the related Subordinate Class Percentage for such Class and
(y) the aggregate of the amounts calculated for such Distribution Date under
clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) of this Series Supplement
(without giving effect to the Senior Percentage) to the extent not payable to
the Senior Certificates; (ii) such Class's pro rata share, based on the
Certificate Principal Balance of each Class of Subordinate Certificates then
outstanding, of the principal collections described in Section
4.02(a)(ii)(Y)(B)(b) of this Series Supplement (without giving effect to the
Senior Accelerated Distribution Percentage) to the extent such collections are
not otherwise distributed to the Senior Certificates; (iii) the product of (x)
the related Prepayment Distribution Percentage and (y) the aggregate of all
Principal Prepayments in Full received in the related Prepayment Period and
Curtailments received in the preceding calendar month (other than the related
Discount Fraction of such Principal Prepayments in Full and Curtailments with
respect to a Discount Mortgage Loan) to the extent not payable to the Senior
Certificates; (iv) if such Class is the Class of Subordinate Certificates with
the Highest Priority, any Excess Subordinate Principal Amount for such
Distribution Date; and (v) any amounts described in clauses (i), (ii) and (iii)
as determined for any previous Distribution Date, that remain undistributed to
the extent that such amounts are not attributable to Realized Losses which have
been allocated to a Class of Subordinate Certificates minus (b) with respect to
the Class of Subordinate Certificates with the Lowest Priority, any Excess
Subordinate Principal Amount for such Distribution Date; provided, however, that
the Subordinate Principal Distribution Amount for any Class of Subordinate
Certificates on any Distribution Date shall in no event exceed the
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outstanding Certificate Principal Balance of such Class of Certificates
immediately prior to such date.
Super Senior Certificates: The Class A-10, Class A-12 and Class A-14
Certificates.
Super Senior Optimal Percentage: As to any Distribution Date on or after
the Credit Support Depletion Date and each Class of Super Senior Certificates, a
fraction, expressed as a percentage, the numerator of which is the Certificate
Principal Balance of such Class of Super Senior Certificates immediately prior
to such Distribution Date and the denominator of which is the aggregate
Certificate Principal Balance of the Senior Certificates (other than the Class
A-P Certificates) immediately prior to such Distribution Date.
Super Senior Optimal Principal Distribution Amount: As to any
Distribution Date on or after the Credit Support Depletion Date and each Class
of Super Senior Certificates, the product of (a) the then-applicable Super
Senior Optimal Percentage and (b) the Senior Principal Distribution Amount.
TAC Certificates: The Class A-6 Certificates.
Targeted Principal Balance: With respect to the TAC Certificates and each
Distribution Date, the amount set forth for such Class on such Distribution Date
on Exhibit Five hereto.
Trust Fund: REMIC I, REMIC II and the Initial Monthly Payment Fund.
Uncertificated Class A-V REMIC Accrued Interest: With respect to each
Distribution Date, as to each Uncertificated Class A-V REMIC Regular Interest,
an amount equal to the aggregate amount of Accrued Certificate Interest that
would result under the terms of the definition thereof on each such
uncertificated interest, if the Pass-Through Rate on such uncertificated
interest were equal to the related Uncertificated REMIC Pass-Through Rate and
the notional amount of such uncertificated interest were equal to the related
Uncertificated REMIC Notional Amount, and any reduction in the amount of Accrued
Certificate Interest resulting from the allocation of Prepayment Interest
Shortfalls, Realized Losses or other amounts to the Class A-V Certificateholders
pursuant to Section 4.05 hereof shall be allocated to the Uncertificated REMIC
Regular Interests pro rata in accordance with the amount of interest accrued
with respect to each related Uncertificated REMIC Notional Amount and such
Distribution Date.
Uncertificated Class A-V REMIC Notional Amount: With respect to each
Uncertificated Class A-V REMIC Regular Interest, the amount of the related
Uncertificated REMIC I IO Notional Amount.
Uncertificated Class A-V REMIC Pass-Through Rate: With respect to each
Uncertificated Class A-V REMIC Regular Interest, 100% of the interest payable on
the related Uncertificated REMIC I IO Regular Interest.
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Uncertificated Class A-V REMIC Regular Interest Distribution Amounts:
With respect to any Distribution Date, the sum of the amounts deemed to be
distributed on the Uncertificated Class AV REMIC Regular Interests for such
Distribution Date pursuant to Section 4.08(a).
Uncertificated Class A-V REMIC Regular Interests: The 381 uncertificated
partial undivided beneficial ownership interests in the Trust Fund numbered
sequentially from 1 through 381 relating to the particular Mortgage Loan
identified by sequential number on the Mortgage Loan Schedule, each having no
principal balance, and each bearing the respective Pool Strip Rate on the Stated
Principal Balance of the related Mortgage Loan.
Uncertificated Principal Balance: With respect to each Uncertificated
REMIC I Regular Interest on any date of determination, an amount equal to (A)(i)
$50,000,000.00 with respect to Uncertificated REMIC I Regular Interest U, (ii)
$193,300,012.57 with respect to Uncertificated REMIC I Regular Interest V, (iii)
$26,178,236.00 with respect to Uncertificated REMIC I Regular Interest W, (iv)
$18,324,764.00 with respect to Uncertificated REMIC I Regular Interest X, (v)
$20,000,000.00 with respect to Uncertificated REMIC I Regular Interest Y, and
(vi) $2,371,569.13 with respect to Uncertificated REMIC I Regular Interest Z,
minus (B) the sum of (x) the aggregate of all amounts previously deemed
distributed with respect to such interest and applied to reduce the
Uncertificated Principal Balance thereof pursuant to Section 4.09(a)(ii) and (y)
the aggregate of all reductions in Uncertificated Principal Balance deemed to
have occurred in connection with Realized Losses that were previously deemed
allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I
Regular Interest pursuant to Section 4.09(d).
Uncertificated REMIC I Accrued Interest: With respect to each
Distribution Date, (i) as to Uncertificated REMIC I Regular Interest U, an
amount equal to the aggregate amount of Accrued Certificate Interest that would
result under the terms of the definition thereof on the Class A-1, Certificates
if the Pass-Through Rate on such Class were equal to the Uncertificated REMIC I
Pass-Through Rate and the Uncertificated Principal Balance was the Certificate
Principal Balance, (ii) as to Uncertificated REMIC I Regular Interest V, an
amount equal to the aggregate amount of Accrued Certificate Interest that would
result under the terms of the definition thereof on the Class X-0, Xxxxx X-0,
Class A-7, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class X-
00, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class
R-II Certificates if the Pass-Through Rate on each such Class was equal to the
Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal
Balances were the Certificate Principal Balances, (iii) as to Uncertificated
REMIC I Regular Interest W, an amount equal to the aggregate amount of Accrued
Certificate Interest that would result under the terms of the definition thereof
on the Class A-3 Certificates if the Pass-Through Rate on such Class were equal
to the Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal
Balance was the Certificate Principal Balance, (iv) as to Uncertificated REMIC I
Regular Interest X, an amount equal to the aggregate amount of Accrued
Certificate Interest that would result under the terms of the definition thereof
on the Class A-4 Certificates if the Pass-Through Rate on such Class was equal
to the Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal
Balance was the Certificate Principal Balance, (v) as to Uncertificated REMIC I
Regular Interest Y, an amount equal to the aggregate amount of Accrued
Certificate Interest that would result under the terms of the definition thereof
on the Class A-8 Certificates if the Pass-Through Rate on such Class was equal
to the Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal
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Balance was the Certificate Principal Balance, and (vi) as to each
Uncertificated REMIC I IO Regular Interest, an amount equal to the aggregate
amount of Accrued Certificate Interest that would result under the terms of the
definition thereof on each such uncertificated interest, if the Pass-Through
Rate on such uncertificated interest was equal to the related Uncertificated
REMIC I Pass-Through Rate and the notional amount of such uncertificated
interest was equal to the related Uncertificated REMIC I IO Notional Amount;
provided, that any reduction in the amount of Accrued Certificate Interest
resulting from the allocation of Prepayment Interest Shortfalls, Realized Losses
or other amounts to the Certificates pursuant to Sections 4.02(a) and 4.05
hereof shall be allocated to the Uncertificated REMIC I Regular Interests for
which such Certificates are the Corresponding Certificated Interests.
Uncertificated REMIC I IO Notional Amount: With respect to each
Uncertificated REMIC I IO Regular Interest, an amount equal to the aggregate
Stated Principal Balance of the related Non- Discount Mortgage Loan.
Uncertificated REMIC I Pass-Through Rate: With respect to each of the
Uncertificated REMIC I Regular Interests U, V, W, X, Y and Z, 5.00%, 6.00%,
4.25%, 8.50%, 8.50% and 0.00%, respectively. With respect to Uncertificated
REMIC I IO Regular Interest, an amount equal to the Pool Strip Rate for the
related Mortgage Loan.
Uncertificated REMIC I Regular Interest U: An uncertificated partial
undivided beneficial ownership interest in REMIC I having a principal balance
equal to the aggregate Certificate Principal Balance of the Class A-1
Certificates, and which bears interest at a rate equal to 5.00% per annum.
Uncertificated REMIC I Regular Interest V: An uncertificated partial
undivided beneficial ownership interest in REMIC I having a principal balance
equal to the aggregate Certificate Principal Balance of the Class A-2, Class
A-6, Class A-7, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14,
Class A-15, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and
Class R-II Certificates, and which bears interest at a rate equal to 6.00% per
annum.
Uncertificated REMIC I Regular Interest W: An uncertificated partial
undivided beneficial ownership interest in REMIC I having a principal balance
equal to the aggregate Certificate Principal Balance of the Class A-3
Certificates and which bears interest at a rate equal to 4.25% per annum.
Uncertificated REMIC I Regular Interest X: An uncertificated partial
undivided beneficial ownership interest in REMIC I having a principal balance
equal to the aggregate Certificate Principal Balances of the Class A-4
Certificates, and which bears interest at a rate equal to 8.50% per annum.
Uncertificated REMIC I Regular Interest Y: An uncertificated partial
undivided beneficial ownership interest in REMIC I having a principal balance
equal to the aggregate Certificate Principal Balance of the Class A-8
Certificates, and which bears interest at a rate equal to 8.50% per annum.
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Uncertificated REMIC I Regular Interest Z: An uncertificated partial
undivided beneficial ownership interest in REMIC I having a principal balance
equal to the aggregate Certificate Principal Balance of the Class A-P
Certificates, and which bears interest at a rate equal to 0.00% per annum.
Uncertificated REMIC I Regular Interests: Uncertificated REMIC I Regular
Interest U, Uncertificated REMIC I Regular Interest V, Uncertificated REMIC I
Regular Interest W, Uncertificated REMIC I Regular Interest X, Uncertificated
REMIC I Regular Interest Y, Uncertificated REMIC I Regular Interest Z and REMIC
I IO Regular Interests.
Uncertificated REMIC I IO Regular Interest Distribution Amount: With
respect to any Distribution Date, the sum of the amounts deemed to be
distributed on the Uncertificated Class A-V REMIC Regular Interests for such
Distribution Date pursuant to Section 4.09(a).
Uncertificated REMIC I Regular Interest U Distribution Amount: With respect
to any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC I Regular Interest U for such Distribution Date pursuant to
Section 4.09(a).
Uncertificated REMIC I Regular Interest V Distribution Amount: With respect
to any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC I Regular Interest V for such Distribution Date pursuant to
Section 4.09(a).
Uncertificated REMIC I Regular Interest W Distribution Amount: With respect
to any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC I Regular Interest W for such Distribution Date pursuant to
Section 4.09(a).
Uncertificated REMIC I Regular Interest X Distribution Amount: With respect
to any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC I Regular Interest X for such Distribution Date pursuant to
Section 4.09(a).
Uncertificated REMIC I Regular Interest Y Distribution Amount: With respect
to any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC I Regular Interest Y for such Distribution Date pursuant to
Section 4.09(a).
Uncertificated REMIC I Regular Interest Z Distribution Amount: With respect
to any Distribution Date, the sum of the amounts deemed to be distributed on the
Uncertificated REMIC I Regular Interest Z for such Distribution Date pursuant to
Section 4.09(a).
Uncertificated REMIC I Regular Interest Distribution Amounts: The
Uncertificated REMIC I Regular Interest U Distribution Amount, the
Uncertificated REMIC I Regular Interest V Distribution Amount, the
Uncertificated REMIC I Regular Interest W Distribution Amount, the
Uncertificated REMIC I Regular Interest X Distribution Amount, the
Uncertificated REMIC I Regular Interest Y Distribution Amount, the
Uncertificated REMIC I Regular Interest Z Distribution Amount and the
Uncertificated REMIC I IO Regular Interest Distribution Amount.
Underwriter: Bear, Xxxxxxx & Co. Inc. or Greenwich Capital Markets, Inc.,
as applicable.
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Section 1.02 Use of Words and Phrases.
"Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter"
and other equivalent words refer to the Pooling and Servicing Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding Articles, Sections and Subsections in the Pooling and Servicing
Agreement. The definitions set forth herein include both the singular and the
plural.
Section 1.03 Determination of LIBOR.
LIBOR applicable to the calculation of the Pass-Through Rates on the
Adjustable Rate Certificates, if any, for any Interest Accrual Period (other
than the initial Interest Accrual Period) will be determined on each LIBOR Rate
Adjustment Date.
On each LIBOR Rate Adjustment Date (other than for the initial Interest
Accrual Period), LIBOR shall be established by the Trustee and, as to any
Interest Accrual Period, will equal the rate for one month United States dollar
deposits that appears on the Telerate Screen Page 3750 as of 11:00 a.m., London
time, on such LIBOR Rate Adjustment Date. "Telerate Screen Page 3750" means the
display designated as page 3750 on the Telerate Service (or such other page as
may replace page 3750 on that service for the purpose of displaying London
interbank offered rates of major banks). If such rate does not appear on such
page (or such other page as may replace that page on that service, or if such
service is no longer offered, LIBOR shall be so established by use of such other
service for displaying LIBOR or comparable rates as may be selected by the
Trustee after consultation with the Master Servicer), the rate will be the
Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis
of the rates at which deposits in U.S. Dollars are offered by the reference
banks (which shall be any three major banks that are engaged in transactions in
the London interbank market, selected by the Trustee after consultation with the
Master Servicer) as of 11:00 a.m., London time, on the LIBOR Rate Adjustment
Date to prime banks in the London interbank market for a period of one month in
amounts approximately equal to the aggregate Certificate Principal Balance of
the Adjustable Rate Certificates then outstanding. 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 will be the
arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If
on such date fewer than two quotations are provided as requested, the rate will
be the arithmetic mean of the rates quoted by one or more major banks in New
York City, selected by the Trustee after consultation with the Master Servicer,
as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to
leading European banks for a period of one month in amounts approximately equal
to the aggregate Certificate Principal Balance of the Adjustable Rate
Certificates then outstanding. If no such quotations can be obtained, the rate
will be LIBOR for the prior Distribution Date, or in the case of the first LIBOR
Rate Adjustment Date, 1.42%; provided however, if, under the priorities listed
previously in this paragraph, LIBOR for a Distribution Date would be based on
LIBOR for the previous Distribution Date for the third consecutive Distribution
Date, the Trustee, after consultation with the Master Servicer, shall select an
alternative comparable index over which the Trustee has no control, used for
determining one- month Eurodollar lending rates that is calculated and published
or otherwise made available by an independent party.
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The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date
and the Master Servicer's subsequent calculation of the Pass-Through Rates
applicable to each of the Adjustable Rate Certificates for the relevant Interest
Accrual Period, in the absence of manifest error, will be final and binding.
Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply
the Master Servicer with the results of its determination of LIBOR on such date.
Furthermore, the Trustee will supply to any Certificateholder so requesting by
telephone the Pass-Through Rates on each of the Adjustable Rate Certificates for
the current and the immediately preceding Interest Accrual Period.
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ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans. (See Section 2.01 of the
Standard Terms)
Section 2.02 Acceptance by Trustee. (See Section 2.02 of the Standard
Terms)
Section 2.03 Representations, Warranties and Covenants of the Master
Servicer and the Company.
(a) For representations, warranties and covenants of the Master
Servicer, see Section 2.03(a) of the Standard Terms.
(b) The Company hereby represents and warrants to the Trustee for the
benefit of Certificateholders that as of the Closing Date (or, if otherwise
specified below, as of the date so specified):
(i) No Mortgage Loan is 30 or more days Delinquent in payment of
principal and interest as of the Cut-off Date and no Mortgage Loan has
been so Delinquent more than once in the 12-month period prior to the
Cut-off Date;
(ii) The information set forth in Exhibit One hereto with respect
to each Mortgage Loan or the Mortgage Loans, as the case may be, is true
and correct in all material respects at the date or dates respecting
which such information is furnished;
(iii) The Mortgage Loans are fully-amortizing, fixed-rate
mortgage loans with level Monthly Payments due, with respect to a
majority of the Mortgage Loans, on the first day of each month and terms
to maturity at origination or modification of not more than 30 years;
(iv) To the best of the Company's knowledge, if a Mortgage Loan
is secured by a Mortgaged Property with a Loan-to-Value Ratio at
origination in excess of 80%, such Mortgage Loan is the subject of a
Primary Insurance Policy that insures that (a) at least 30% of the
Stated Principal Balance of the Mortgage Loan at origination if the
Loan-to-Value Ratio is between 95.00% and 90.01%, (b) at least 25% of
such balance if the Loan-to-Value Ratio is between 90.00% and 85.01%,
and (c) at least 12% of such balance if the Loan-to- Value Ratio is
between 85.00% and 80.01%. To the best of the Company's knowledge, each
such Primary Insurance Policy is in full force and effect and the
Trustee is entitled to the benefits thereunder;
(v) The issuers of the Primary Insurance Policies are insurance
companies whose claims-paying abilities are currently acceptable to each
Rating Agency;
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(vi) No more than 1.0% of the Mortgage Loans by aggregate Stated
Principal Balance as of the Cut-off Date are secured by Mortgaged
Properties located in any one zip code area in California and no more
than 1.0% of the Mortgage Loans by aggregate Stated Principal Balance as
of the Cut-off Date are secured by Mortgaged Properties located in any
one zip code area outside California;
(vii) The improvements upon the Mortgaged Properties are insured
against loss by fire and other hazards as required by the Program Guide,
including flood insurance if required under the National Flood Insurance
Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain
such casualty insurance at the Mortgagor's expense, and on the
Mortgagor's failure to do so, authorizes the holder of the Mortgage to
obtain and maintain such insurance at the Mortgagor's expense and to
seek reimbursement therefor from the Mortgagor;
(viii) Immediately prior to the assignment of the Mortgage Loans
to the Trustee, the Company had good title to, and was the sole owner
of, each Mortgage Loan free and clear of any pledge, lien, encumbrance
or security interest (other than rights to servicing and related
compensation) and such assignment validly transfers ownership of the
Mortgage Loans to the Trustee free and clear of any pledge, lien,
encumbrance or security interest;
(ix) 12.64% of the Mortgage Loans were underwritten under a
reduced loan documentation program;
(x) Each Mortgagor represented in its loan application with
respect to the related Mortgage Loan that the Mortgaged Property would
be owner-occupied and therefore would not be an investor property as of
the date of origination of such Mortgage Loan. No Mortgagor is a
corporation or a partnership;
(xi) None of the Mortgage Loans is a Buydown Mortgage Loan;
(xii) Each Mortgage Loan constitutes a qualified mortgage under
Section 860G(a)(3)(A) of the Code and Treasury Regulations Section
1.860G-2(a)(1);
(xiii) A policy of title insurance was effective as of the
closing of each Mortgage Loan and is valid and binding and remains in
full force and effect, unless the Mortgaged Properties are located in
the State of Iowa and an attorney's certificate has been provided as
described in the Program Guide;
(xiv) None of the Mortgage Loans are Cooperative Loans;
(xv) With respect to each Mortgage Loan originated under a
"streamlined" Mortgage Loan program (through which no new or updated
appraisals of Mortgaged Properties are obtained in connection with the
refinancing thereof), the related Seller has represented that either (a)
the value of the related Mortgaged Property as of the date the Mortgage
Loan was originated was not less than the appraised value of such
property at the time of origination of the refinanced Mortgage Loan or
(b) the Loan-to-Value Ratio of the
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Mortgage Loan as of the date of origination of the Mortgage Loan
generally meets the Company's underwriting guidelines;
(xvi) Interest on each Mortgage Loan is calculated on the basis
of a 360-day year consisting of twelve 30-day months; and
(xvii) None of the Mortgage Loans are Pledged Asset Loans or
Additional Collateral Loans.
It is understood and agreed that the representations and warranties set forth in
this Section 2.03(b) shall survive delivery of the respective Mortgage Files to
the Trustee or any Custodian.
Upon discovery by any of the Company, the Master Servicer, the Trustee or
any Custodian of a breach of any of the representations and warranties set forth
in this Section 2.03(b) that materially and adversely affects the interests of
the Certificateholders in any Mortgage Loan, the party discovering such breach
shall give prompt written notice to the other parties (any Custodian being so
obligated under a Custodial Agreement); provided, however, that in the event of
a breach of the representation and warranty set forth in Section 2.03(b)(xii),
the party discovering such breach shall give such notice within five days of
discovery. Within 90 days of its discovery or its receipt of notice of breach,
the Company shall either (i) cure such breach in all material respects or (ii)
purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the
manner set forth in Section 2.02; provided that the Company shall have the
option to substitute a Qualified Substitute Mortgage Loan or Loans for such
Mortgage Loan if such substitution occurs within two years following the Closing
Date; provided that if the omission or defect would cause the Mortgage Loan to
be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the
Code, any such cure or repurchase must occur within 90 days from the date such
breach was discovered. Any such substitution shall be effected by the Company
under the same terms and conditions as provided in Section 2.04 for
substitutions by Residential Funding. It is understood and agreed that the
obligation of the Company to cure such breach or to so purchase or substitute
for any Mortgage Loan as to which such a breach has occurred and is continuing
shall constitute the sole remedy respecting such breach available to the
Certificateholders or the Trustee on behalf of the Certificateholders.
Notwithstanding the foregoing, the Company shall not be required to cure
breaches or purchase or substitute for Mortgage Loans as provided in this
Section 2.03(b) if the substance of the breach of a representation set forth
above also constitutes fraud in the origination of the Mortgage Loan.
Section 2.04 Representations and Warranties of Sellers. (See Section 2.04
of the Standard Terms)
Section 2.05 Execution and Authentication of Certificates.
The Trustee acknowledges the assignment to it of the Mortgage Loans and the
delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to
any exceptions noted, together with the assignment to it of all other assets
included in the Trust Fund, receipt of which is hereby acknowledged.
Concurrently with such delivery and in exchange therefor, the Trustee, pursuant
to the written request of the Company executed by an officer of the Company has
executed and caused
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to be authenticated and delivered to or upon the order of the Company the
Certificates in authorized denominations which evidence ownership of the entire
Trust Fund.
Section 2.06 Conveyance of Uncertificated REMIC I Regular Interests.
(a) The Trustee acknowledges the assignment to it of the Mortgage Loans and
the delivery of the Mortgage Files to it, or any Custodian on its behalf,
subject to any exceptions noted, together with the assignment to it of all other
assets included in the Trust Fund, receipt of which is hereby acknowledged.
Concurrently with such delivery and in exchange therefor, the Trustee, pursuant
to the written request of the Depositor executed by an officer of the Depositor,
has executed and caused to be authenticated and delivered to or upon the order
of the Depositor the Certificates in authorized denominations which evidence
ownership of the entire Trust Fund.
(b) The Depositor, concurrently with the execution and delivery hereof,
does hereby transfer, assign, set over and otherwise convey in trust to the
Trustee without recourse, all the right, title and interest of the Depositor in
and to the REMIC I Regular Interests for the benefit of the Holders of the REMIC
II Regular Interests and the Holders of the Class R-II Certificates. The Trustee
acknowledges receipt of the REMIC I Regular Interests (which are uncertificated)
and declares that it holds and will hold the same in trust for the exclusive use
and benefit of the Holders of the REMIC II Regular Interests and Holders of the
Class R-II Certificates. The interests evidenced by the Class R-II Certificates,
together with the REMIC II Regular Interests, constitute the entire beneficial
ownership interest in REMIC II.
(c) In exchange for the REMIC I Regular Interests and, concurrently with
the assignment to the Trustee thereof, pursuant to the written request of the
Depositor executed by an officer of the Depositor, the Trustee has executed,
authenticated and delivered to or upon the order of the Depositor, the Regular
Certificates in authorized denominations evidencing (together with the Class
R-II Certificates) the entire beneficial ownership interest in REMIC II.
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ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
(SEE ARTICLE III OF THE STANDARD TERMS)
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ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01 Certificate Account. (See Section 4.01 of the Standard Terms)
Section 4.02 Distributions.
(a) On each Distribution Date (x) the Master Servicer on behalf of the
Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute,
to the Master Servicer, in the case of a distribution pursuant to Section
4.02(a)(iii) below, the amount required to be distributed to the Master
Servicer or a Sub-Servicer pursuant to Section 4.02(a)(iii) below, and to
each Certificateholder of record on the next preceding Record Date (other
than as provided in Section 9.01 respecting the final distribution), either
(1) in immediately available funds (by wire transfer or otherwise) to the
account of such Certificateholder at a bank or other entity having
appropriate facilities therefor, if such Certificateholder has so notified
the Master Servicer or the Paying Agent, as the case may be, or (2) if such
Certificateholder has not so notified the Master Servicer or the Paying
Agent by the Record Date, by check mailed to such Certificateholder at the
address of such Holder appearing in the Certificate Register, such
Certificateholder's share (which share (A) with respect to each Class of
Certificates (other than any Subclass of the Class A-V Certificates), shall
be based on the aggregate of the Percentage Interests represented by
Certificates of the applicable Class held by such Holder or (B) with
respect to any Subclass of the Class A-V Certificates, shall be equal to
the amount (if any) distributed pursuant to Section 4.02(a)(i) below to
each Holder of a Subclass thereof) of the following amounts, in the
following order of priority (subject to the provisions of Section 4.02(b)
below), in each case to the extent of the Available Distribution Amount:
(i) to the Senior Certificates (other than the Principal Only
Certificates) on a pro rata basis based on Accrued Certificate Interest
payable on such Certificates with respect to such Distribution Date,
Accrued Certificate Interest on such Classes of Certificates (or
Subclasses, if any, with respect to the Class A-V Certificates) for such
Distribution Date, plus any Accrued Certificate Interest thereon
remaining unpaid from any previous Distribution Date except as provided
in the last paragraph of this Section 4.02(a) (the "Senior Interest
Distribution Amount"); and
(ii) (X) to the Class A-P Certificates, the Class A-P Principal
Distribution Amount (as defined in Section 4.02(b)(i) herein); and
(Y) to the Senior Certificates (other than the Class A-P
Certificates), in the priorities and amounts set forth in Section
4.02(b)(ii) through Section 4.02(e), the sum of the following (applied
to reduce the Certificate Principal Balances of such Senior
Certificates, as applicable):
(A) the Senior Percentage for such Distribution Date times
the sum of the following:
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(1) the principal portion of each Monthly Payment
due during the related Due Period on each Outstanding
Mortgage Loan (other than the related Discount Fraction of
the principal portion of such payment with respect to a
Discount Mortgage Loan), whether or not received on or
prior to the related Determination Date, minus the
principal portion of any Debt Service Reduction (other
than the related Discount Fraction of the principal
portion of such Debt Service Reductions with respect to
each Discount Mortgage Loan) which together with other
Bankruptcy Losses exceeds the Bankruptcy Amount;
(2) the Stated Principal Balance of any Mortgage
Loan repurchased during the preceding calendar month (or
deemed to have been so repurchased in accordance with
Section 3.07(b) of the Standard Terms) pursuant to
Sections 2.02, 2.04 or 4.07 of the Standard Terms and
Section 2.03 of the Standard Terms and this Series
Supplement, and the amount of any shortfall deposited in
the Custodial Account in connection with the substitution
of a Deleted Mortgage Loan pursuant to Section 2.04 of the
Standard Terms or Section 2.03 of the Standard Terms and
this Series Supplement, during the preceding calendar
month (other than the related Discount Fraction of such
Stated Principal Balance or shortfall with respect to each
Discount Mortgage Loan); and
(3) the principal portion of all other unscheduled
collections (other than Principal Prepayments in Full and
Curtailments and amounts received in connection with a
Cash Liquidation or REO Disposition of a Mortgage Loan
described in Section 4.02(a)(ii)(Y)(B) of this Series
Supplement, including without limitation Insurance
Proceeds, Liquidation Proceeds and REO Proceeds) including
Subsequent Recoveries received during the preceding
calendar month (or deemed to have been so received in
accordance with Section 3.07(b) of the Standard Terms) to
the extent applied by the Master Servicer as recoveries of
principal of the related Mortgage Loan pursuant to Section
3.14 of the Standard Terms (other than the related
Discount Fraction of the principal portion of such
unscheduled collections, with respect to each Discount
Mortgage Loan);
(B) with respect to each Mortgage Loan for which a Cash
Liquidation or a REO Disposition occurred during the preceding
calendar month (or was deemed to have occurred during such period
in accordance with Section 3.07(b) of the Standard Terms) and did
not result in any Excess Special Hazard Losses, Excess Fraud
Losses, Excess Bankruptcy Losses or Extraordinary Losses, an
amount equal to the lesser of (a) the Senior Percentage for such
Distribution Date times the Stated Principal Balance of such
Mortgage Loan (other than the related Discount Fraction of such
Stated Principal Balance, with respect to each Discount Mortgage
Loan) and (b) the Senior Accelerated Distribution Percentage for
such Distribution Date times the related unscheduled collections
(including without limitation Insurance Proceeds, Liquidation
Proceeds and REO Proceeds) to the extent applied by the
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Master Servicer as recoveries of principal of the related
Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in
each case other than the portion of such unscheduled collections,
with respect to a Discount Mortgage Loan, included in Section
4.02(b)(i)(C) of this Series Supplement);
(C) the Senior Accelerated Distribution Percentage for
such Distribution Date times the aggregate of all Principal
Prepayments in Full received in the related Prepayment Period and
Curtailments received in the preceding calendar month (other than
the related Discount Fraction of such Principal Prepayments in
Full and Curtailments, with respect to each Discount Mortgage
Loan);
(D) any Excess Subordinate Principal Amount for such
Distribution Date; and
(E) any amounts described in subsection (ii)(Y), clauses
(A), (B) and (C) of this Section 4.02(a), as determined for any
previous Distribution Date, which remain unpaid after application
of amounts previously distributed pursuant to this clause (E) to
the extent that such amounts are not attributable to Realized
Losses which have been allocated to the Subordinate Certificates;
(iii) if the Certificate Principal Balances of the Subordinate
Certificates have not been reduced to zero, to the Master Servicer or a
Sub-Servicer, by remitting for deposit to the Custodial Account, to the
extent of and in reimbursement for any Advances or Sub- Servicer
Advances previously made with respect to any Mortgage Loan or REO
Property which remain unreimbursed in whole or in part following the
Cash Liquidation or REO Disposition of such Mortgage Loan or REO
Property, minus any such Advances that were made with respect to
delinquencies that ultimately constituted Excess Special Hazard Losses,
Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses;
(iv) to the Holders of the Class M-1 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(v) to the Holders of the Class M-1 Certificates, an amount equal
to (x) the Subordinate Principal Distribution Amount for such Class of
Certificates for such Distribution Date, minus (y) the amount of any
Class A-P Collection Shortfalls for such Distribution Date or remaining
unpaid for all previous Distribution Dates, to the extent the amounts
available pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi),
(xiii), (xiv) and (xv) of this Series Supplement are insufficient
therefor, applied in reduction of the Certificate Principal Balance of
the Class M-1 Certificates;
(vi) to the Holders of the Class M-2 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
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(vii) to the Holders of the Class M-2 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date, minus (y) the amount
of any Class A-P Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of Sections 4.02(a)(ix), (xi),
(xiii), (xiv) and (xv) of this Series Supplement are insufficient
therefor, applied in reduction of the Certificate Principal Balance of
the Class M-2 Certificates;
(viii) to the Holders of the Class M-3 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(ix) to the Holders of the Class M-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-P Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of Sections 4.02(a)(xi),
(xiii), (xiv) and (xv) of this Series Supplement are insufficient
therefor, applied in reduction of the Certificate Principal Balance of
the Class M-3 Certificates;
(x) to the Holders of the Class B-1 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(xi) to the Holders of the Class B-1 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-P Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of Sections 4.02(a)(xiii),
(xiv) and (xv) of this Series Supplement are insufficient therefor,
applied in reduction of the Certificate Principal Balance of the Class
B-1 Certificates;
(xii) to the Holders of the Class B-2 Certificates, the Accrued
Certificate Interest thereon for such Distribution Date, plus any
Accrued Certificate Interest thereon remaining unpaid from any previous
Distribution Date, except as provided below;
(xiii) to the Holders of the Class B-2 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-P Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates, to the extent the
amounts available pursuant to clause (x) of Sections 4.02(a)(xiv) and
(xv) of this Series Supplement are insufficient therefor, applied in
reduction of the Certificate Principal Balance of the Class B-2
Certificates;
(xiv) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Accrued Certificate Interest thereon for such
Distribution Date, plus any Accrued Certificate
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Interest thereon remaining unpaid from any previous Distribution Date,
except as provided below, minus (y) the amount of any Class A-P
Collection Shortfalls for such Distribution Date or remaining unpaid for
all previous Distribution Dates, to the extent the amounts available
pursuant to clause (x) of Section 4.02(a) (xv) of this Series Supplement
are insufficient therefor;
(xv) to the Holders of the Class B-3 Certificates, an amount
equal to (x) the Subordinate Principal Distribution Amount for such
Class of Certificates for such Distribution Date minus (y) the amount of
any Class A-P Collection Shortfalls for such Distribution Date or
remaining unpaid for all previous Distribution Dates applied in
reduction of the Certificate Principal Balance of the Class B-3
Certificates;
(xvi) to the Senior Certificates, in the priority set forth in
Section 4.02(b) of this Series Supplement, the portion, if any, of the
Available Distribution Amount remaining after the foregoing
distributions, applied to reduce the Certificate Principal Balances of
such Senior Certificates, but in no event more than the aggregate of the
outstanding Certificate Principal Balances of each such Class of Senior
Certificates, and thereafter, to each Class of Subordinate Certificates
then outstanding beginning with such Class with the Highest Priority,
any portion of the Available Distribution Amount remaining after the
Senior Certificates have been retired, applied to reduce the Certificate
Principal Balance of each such Class of Subordinate Certificates, but in
no event more than the outstanding Certificate Principal Balance of each
such Class of Subordinate Certificates; and
(xvii) to the Class R-II Certificates, the balance, if any, of the
Available Distribution Amount.
Notwithstanding the foregoing, on any Distribution Date, with respect to
the Class of Subordinate Certificates outstanding on such Distribution Date with
the Lowest Priority, or in the event the Subordinate Certificates are no longer
outstanding, the Senior Certificates, Accrued Certificate Interest thereon
remaining unpaid from any previous Distribution Date will be distributable only
to the extent that such unpaid Accrued Certificate Interest was attributable to
interest shortfalls relating to the failure of the Master Servicer to make any
required Advance, or the determination by the Master Servicer that any proposed
Advance would be a Nonrecoverable Advance with respect to the related Mortgage
Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation
or REO Disposition or the related Liquidation Proceeds and REO Proceeds have not
yet been distributed to the Certificateholders.
(b) Distributions of principal on the Senior Certificates on each
Distribution Date occurring prior to the Credit Support Depletion Date will
be made as follows:
(i) to the Class A-P Certificates, until the Certificate
Principal Balance thereof is reduced to zero, an amount (the "Class A-P
Principal Distribution Amount") equal to the aggregate of:
(A) the related Discount Fraction of the principal portion
of each Monthly Payment on each Discount Mortgage Loan due during
the related Due
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Period, whether or not received on or prior to the related
Determination Date, minus the Discount Fraction of the principal
portion of any related Debt Service Reduction which together with
other Bankruptcy Losses exceeds the Bankruptcy Amount;
(B) the related Discount Fraction of the principal portion
of all unscheduled collections on each Discount Mortgage Loan
received during the preceding calendar month or, in the case of
Principal Prepayments in Full, during the related Prepayment
Period (other than amounts received in connection with a Cash
Liquidation or REO Disposition of a Discount Mortgage Loan
described in clause (C) below), including Principal Prepayments
in Full, Curtailments, Subsequent Recoveries and repurchases
(including deemed repurchases under Section 3.07(b) of the
Standard Terms) of Discount Mortgage Loans (or, in the case of a
substitution of a Deleted Mortgage Loan, the Discount Fraction of
the amount of any shortfall deposited in the Custodial Account in
connection with such substitution);
(C) in connection with the Cash Liquidation or REO
Disposition of a Discount Mortgage Loan that did not result in
any Excess Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses or Extraordinary Losses, an amount equal to the
lesser of (1) the applicable Discount Fraction of the Stated
Principal Balance of such Discount Mortgage Loan immediately
prior to such Distribution Date and (2) the aggregate amount of
the collections on such Discount Mortgage Loan to the extent
applied as recoveries of principal;
(D) any amounts allocable to principal for any previous
Distribution Date (calculated pursuant to clauses (A) through (C)
above) that remain undistributed; and
(E) the amount of any Class A-P Collection Shortfalls for
such Distribution Date and the amount of any Class A-P Collection
Shortfalls remaining unpaid for all previous Distribution Dates,
but only to the extent of the Eligible Funds for such
Distribution Date;
(ii) the Senior Principal Distribution Amount shall be
distributed to the Class R-I and Class R-II Certificates, on a pro rata
basis, until the Certificate Principal Balances thereof have been
reduced to zero;
(iii) the balance of the Senior Principal Distribution Amount
remaining after the distribution described in clause (ii) above shall be
distributed to the Lockout Certificates, concurrently on a pro rata
basis, in reduction of the Certificate Principal Balances thereof, until
the Certificate Principal Balances thereof have been reduced to zero, in
an amount equal to the Lockout Percentage of the Lockout Certificates'
pro rata share (based on the Certificate Principal Balance thereof
relative to the aggregate Certificate Principal Balance of all of the
Certificates (other than the Class A-P Certificates)) of the aggregate
of the described in Section 4.02(a)(ii)(Y)(A), (B), (C) and (E) without
any application of the Senior Percentage or Senior Accelerated
Distribution Percentage;
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provided that, if the aggregate of the amounts set forth in clauses
Section 4.02(a)(ii)(Y)(A), (B), (C) and (E) is more than the balance of
the Available Distribution Amount remaining after the Senior Interest
Distribution Amount and the Class A-P Distribution Amount have been
distributed, the amount paid to the Lockout Certificates pursuant to
this clause (iii) shall be reduced by an amount equal to the Lockout
Certificates' pro rata share (based on the Certificate Principal Balance
thereof relative to the aggregate Certificate Principal Balance of all
of the Certificates (other than the Class A-P Certificates)) of such
difference;
(iv) the balance of the Senior Principal Distribution Amount
remaining after the distributions, if any, described in clauses (ii) and
(iii) above shall be distributed in the following manner and order of
priority:
(A) first, concurrently as follows:
(0) 00.0000000000000% to the Class A-1 Certificates, until the
Certificate Principal Balance thereof has been reduced to zero;
(0) 00.0000000000000% to the Class A-2 Certificates, until the
Certificate Principal Balance thereof has been reduced to zero;
(0) 0.0000000000000% to the Class A-8 Certificates, until the
Certificate Principal Balance thereof has been reduced to zero; and
(0) 00.0000000000000% in the following manner and order of
priority:
(a) first, concurrently on a pro rata basis, to the Class A-3
Certificates and Class A-4 Certificates, until the Certificate
Principal Balances thereof have been reduced to the applicable Planned
Principal Balance for such Distribution Date;
(b) second, to the Class A-6 Certificates, until the Certificate
Principal Balance thereof has been reduced to the Targeted Principal
Balance for such Distribution Date;
(c) third, to the Class A-7 Certificates, until the Certificate
Principal Balance thereof has been reduced to zero;
(d) fourth, to the Class A-6 Certificates, without regard to the
Targeted Principal Balance for such Distribution Date, until the
Certificate Principal Balance thereof has been reduced to zero; and
(e) fifth, concurrently on a pro rata basis, to the Class A-3
Certificates and Class A-4 Certificates, without regard to the
applicable Planned Principal Balance for such Distribution Date,
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until the Certificate Principal Balances thereof have been reduced to
zero;
(B) second, concurrently on a pro rata basis, to the Class A-10
Certificates and Class A-11 Certificates, until the Certificate
Principal Balances thereof have been reduced to zero;
(C) third, concurrently on a pro rata basis, to the Class A-12
Certificates and Class A-13 Certificates, until the Certificate
Principal Balances thereof have been reduced to zero; and
(D) fourth, concurrently on a pro rata basis, to the Lockout
Certificates, until the Certificate Principal Balances thereof have
been reduced to zero;
(c) On or after the occurrence of the Credit Support Depletion Date but
prior to the reduction of the Certificate Principal Balances of the Senior
Support Certificates to zero, all priorities relating to distributions as
described in Section 4.02(b) of this Series Supplement in respect of
principal among the Senior Certificates (other than the Class A-P
Certificates) will be disregarded, and (i) an amount equal to the Discount
Fraction of the principal portion of scheduled and unscheduled payments
received or advanced in respect of the Discount Mortgage Loans will be
distributed to the Class A-P Certificates, (ii) the Senior Principal
Distribution Amount will be distributed to the remaining Senior
Certificates (other than the Class A-P Certificates) pro rata in accordance
with their respective outstanding Certificate Principal Balances and (iii)
the amount set forth in Section 4.02(a)(i) herein will be distributed as
set forth therein; provided that the aggregate amount distributable to a
Class of Senior Support Certificates and the related Class of Super Senior
Certificates will be distributed among such Certificates in the following
priority: first, to such Class of Super Senior Certificates, up to an
amount equal to the Accrued Certificate Interest thereon; second to such
Class of Super Senior Certificates, up to an amount equal to the related
Super Senior Optimal Principal Distribution Amount, in reduction of the
Certificate Principal Balances thereof, until such Certificate Principal
Balances have been reduced to zero; third, to the related Class of Senior
Support Certificates, up to an amount equal to the Accrued Certificate
Interest thereon; and fourth, to the related Class of Senior Support
Certificates, the remainder, in each case until the Certificate Principal
Balance thereof has been reduced to zero. For purposes of this clause (c),
the Class A-11 Certificates are the related Senior Support Certificates for
the Class A-10 Certificates, the Class A-13 Certificates are the related
Senior Support Certificates for the Class A-12 Certificates and the Class
A-15 Certificates are the related Senior Support Certificates for the Class
A-14 Certificates.
(d) On or after the occurrence of the Credit Support Depletion Date and
after the reduction of the Certificate Principal Balances of the Senior
Support Certificates to zero, all priorities relating to distributions as
described in clauses 4.02(b) and (c) above in respect of principal among
the various classes of Senior Certificates (other than the Class A-P
Certificates) will be disregarded, an amount equal to the Discount Fraction
of the principal portion of scheduled payments and unscheduled collections
received or advanced in respect of Discount Mortgage Loans will be
distributed to the Class A-P Certificates, and the Senior
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Principal Distribution Amount will be distributed to the remaining Senior
Certificates (other than the Class A-P Certificates) pro rata in accordance
with their respective outstanding Certificate Principal Balances and the
amount set forth in Section 4.02(a)(i) will be distributed as set forth
therein.
(e) After the reduction of the Certificate Principal Balances of the
Senior Certificates (other than the Class A-P Certificates) to zero but
prior to the Credit Support Depletion Date, the Senior Certificates (other
than the Class A-P Certificates) will be entitled to no further
distributions of principal thereon and the Available Distribution Amount
will be paid solely to the holders of the Class A-P Certificates, Class A-V
Certificates, Class M Certificates and Class B Certificates, in each case
as described herein.
(f) In addition to the foregoing distributions, with respect to any
Subsequent Recoveries, the Master Servicer shall deposit such funds into
the Custodial Account pursuant to Section 3.07(b)(iii). If, after taking
into account such Subsequent Recoveries, the amount of a Realized Loss is
reduced, the amount of such Subsequent Recoveries will be applied to
increase the Certificate Principal Balance of the Class of Subordinate
Certificates with the Highest Priority to which Realized Losses, other than
Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses
and Extraordinary Losses, have been allocated, but not by more than the
amount of Realized Losses previously allocated to that Class of
Certificates pursuant to Section 4.05. The amount of any remaining
Subsequent Recoveries will be applied to increase the Certificate Principal
Balance of the Class of Certificates with the next Lower Priority, up to
the amount of such Realized Losses previously allocated to that Class of
Certificates pursuant to Section 4.05. Any remaining Subsequent Recoveries
will in turn be applied to increase the Certificate Principal Balance of
the Class of Certificates with the next Lower Priority up to the amount of
such Realized Losses previously allocated to that Class of Certificates
pursuant to Section 4.05, and so on. Holders of such Certificates will not
be entitled to any payment in respect of Accrued Certificate Interest on
the amount of such increases for any Interest Accrual Period preceding the
Distribution Date on which such increase occurs. Any such increases shall
be applied to the Certificate Principal Balance of each Certificate of such
Class in accordance with its respective Percentage Interest.
(g) Each distribution with respect to a Book-Entry Certificate shall be
paid to the Depository, as Holder thereof, and the Depository shall be
solely responsible for crediting 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") for which it
acts as agent. Each brokerage firm shall be responsible for disbursing
funds to the Certificate Owners that it represents. None of the Trustee,
the Certificate Registrar, the Company or the Master Servicer shall have
any responsibility therefor.
(h) Except as otherwise provided in Section 9.01, if the Master Servicer
anticipates that a final distribution with respect to any Class of
Certificates will be made on the next Distribution Date, the Master
Servicer shall, no later than the Determination Date in the month of such
final distribution, notify the Trustee and the Trustee shall, no later than
two (2)
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Business Days after such Determination Date, mail on such date to each
Holder of such Class of Certificates a notice to the effect that: (i) the
Trustee anticipates that the final distribution with respect to such Class
of Certificates will be made on such Distribution Date but only upon
presentation and surrender of such Certificates at the office of the
Trustee or as otherwise specified therein, and (ii) no interest shall
accrue on such Certificates from and after the end of the related Interest
Accrual Period. In the event that Certificateholders required to surrender
their Certificates pursuant to Section 9.01(c) do not surrender their
Certificates for final cancellation, the Trustee shall cause funds
distributable with respect to such Certificates to be withdrawn from the
Certificate Account and credited to a separate escrow account for the
benefit of such Certificateholders as provided in Section 9.01(d).
Section 4.03 Statements to Certificateholders; Exchange Act Reporting.
(See Section 4.03(a) through (d) of the Standard Terms and
Exhibit Three attached hereto)
(e) The Trustee will make the reports referred to in Section 4.03(a)
(and, at its option, any additional files containing the same information
in an alternative format) available each month to Certificateholders and
other parties to the Agreement via the Trustee's website, which is
presently located at xxx.xxxxxxxxxxxxxx.xx.xxx. Persons that are unable to
use the above website are entitled to have a paper copy mailed to them via
first class mail by calling the Trustee at (000) 000-0000. The Trustee
shall have the right to change the way the reports referred to in Section
4.03(a) are distributed in order to make such distribution more convenient
and/or more accessible to the above parties and to the Certificateholders.
The Trustee shall provide timely and adequate notification to all the
parties mentioned above and to the Certificateholders regarding any such
change.
(f) The Master Servicer shall, on behalf of the Depositor and in respect
of the Trust Fund, sign and cause to be filed with the Commission any
periodic reports required to be filed under the provisions of the Exchange
Act, and the rules and regulations of the Commission thereunder. In
connection with the preparation and filing of such periodic reports, the
Trustee shall timely provide to the Master Servicer (I) a list of
Certificateholders as shown on the Certificate Register as of the end of
each calendar year, (II) copies of all pleadings, other legal process and
any other documents relating to any claims, charges or complaints involving
the Trustee, as trustee hereunder, or the Trust Fund that are received by
the Trustee, (III) notice of all matters that, to the actual knowledge of a
Responsible Officer of the Trustee, have been submitted to a vote of the
Certificateholders, other than those matters that have been submitted to a
vote of the Certificateholders at the request of the Depositor or the
Master Servicer, and (IV) notice of any failure of the Trustee to make any
distribution to the Certificateholders as required pursuant to this
Agreement. Neither the Master Servicer nor the Trustee shall have any
liability with respect to the Master Servicer's failure to properly prepare
or file such periodic reports resulting from or relating to the Master
Servicer's inability or failure to obtain any information not resulting
from the Master Servicer's own negligence or willful misconduct. Any Form
10-K filed with the Commission in connection with this clause (f) shall
include a certification, signed by the senior officer in charge of the
servicing functions of the Master Servicer, in the form attached as Exhibit
Six hereto or such other form as may be required or permitted by the
Commission (the "Form 10-K Certification"), in compliance with
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Rule 13a-14 and 15d-14 under the Exchange Act and any additional directives
of the Commission. In connection with the Form 10-K Certification, the
Trustee shall provide the Master Servicer with a back-up certification
substantially in the form attached hereto as Exhibit Seven.
Section 4.04 Distribution of Reports to the Trustee and the Company;
Advances by the Master Servicer. (See Section 4.04 of the
Standard Terms)
Section 4.05 Allocation of Realized Losses.
Prior to each Distribution Date, the Master Servicer shall determine the
total amount of Realized Losses, if any, that resulted from any Cash
Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation
or REO Disposition that occurred during the related Prepayment Period or, in the
case of a Servicing Modification that constitutes a reduction of the interest
rate on a Mortgage Loan, the amount of the reduction in the interest portion of
the Monthly Payment due during the related Due Period. The amount of each
Realized Loss shall be evidenced by an Officers' Certificate. All Realized
Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess
Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first,
to the Class B-3 Certificates until the Certificate Principal Balance thereof
has been reduced to zero; second, to the Class B-2 Certificates until the
Certificate Principal Balance thereof has been reduced to zero; third, to the
Class B-1 Certificates until the Certificate Principal Balance thereof has been
reduced to zero; fourth, to the Class M-3 Certificates until the Certificate
Principal Balance thereof has been reduced to zero; fifth, to the Class M-2
Certificates until the Certificate Principal Balance thereof has been reduced to
zero; sixth, to the Class M-1 Certificates until the Certificate Principal
Balance thereof has been reduced to zero; and, thereafter, if any such Realized
Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an
amount equal to the Discount Fraction of the principal portion thereof, and the
remainder of such Realized Losses on the Discount Mortgage Loans and the entire
amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated
among all the Senior Certificates (other than the Class A-P Certificates) on a
pro rata basis, as described below. Any Excess Special Hazard Losses, Excess
Bankruptcy Losses, Excess Fraud Losses, Extraordinary Losses on Non-Discount
Mortgage Loans will be allocated among the Senior Certificates (other than the
Class A-P Certificates) and Subordinate Certificates, on a pro rata basis, as
described below. The principal portion of such Realized Losses on the Discount
Mortgage Loans will be allocated to the Class A-P Certificates in an amount
equal to the Discount Fraction thereof and the remainder of such Realized Losses
on the Discount Mortgage Loans and the entire amount of such Realized Losses on
Non-Discount Mortgage Loans will be allocated among the Senior Certificates
(other than the Class A-P Certificates) and Subordinate Certificates, on a pro
rata basis, as described below, provided, however, that Realized Losses
otherwise allocable to a Class of Super Senior Certificates will be allocated to
the related Class of Senior Support Certificates until the respective
Certificate Principal Balance, as applicable, of the related Senior Support
Certificates is reduced to zero. For purposes of this Section 4.05, the Class
A-11 Certificates are the related Class of Senior Support Certificate for the
Class A-10 Certificates, the Class A-13 Certificates are the related Senior
Support Certificates for the Class A-13 Certificates and the Class A-15
Certificates are the related Senior Support Certificates for the Class A-14
Certificates.
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As used herein, an allocation of a Realized Loss on a "pro rata basis"
among two or more specified Classes of Certificates means an allocation on a pro
rata basis, among the various Classes so specified, to each such Class of
Certificates on the basis of their then outstanding Certificate Principal
Balances prior to giving effect to distributions to be made on such Distribution
Date in the case of the principal portion of a Realized Loss or based on the
Accrued Certificate Interest thereon payable on such Distribution Date (without
regard to any Compensating Interest for such Distribution Date) in the case of
an interest portion of a Realized Loss. Except as provided in the following
sentence, any allocation of the principal portion of Realized Losses (other than
Debt Service Reductions) to a Class of Certificates shall be made by reducing
the Certificate Principal Balance thereof by the amount so allocated, which
allocation shall be deemed to have occurred on such Distribution Date. Any
allocation of the principal portion of Realized Losses (other than Debt Service
Reductions) to the Subordinate Certificates then outstanding with the Lowest
Priority shall be made by operation of the definition of "Certificate Principal
Balance" and by operation of the provisions of Section 4.02(a). Allocations of
the interest portions of Realized Losses shall be made in proportion to the
amount of Accrued Certificate Interest and by operation of the definition of
"Accrued Certificate Interest" and by operation of the provisions of Section
4.02(a). Allocations of the principal portion of Debt Service Reductions shall
be made by operation of the provisions of Section 4.02(a). All Realized Losses
and all other losses allocated to a Class of Certificates hereunder will be
allocated among the Certificates of such Class in proportion to the Percentage
Interests evidenced thereby; provided that if any Subclasses of the Class A-V
Certificates have been issued pursuant to Section 5.01(c), such Realized Losses
and other losses allocated to the Class A-V Certificates shall be allocated
among such Subclasses in proportion to the respective amounts of Accrued
Certificate Interest payable on such Distribution Date that would have resulted
absent such reductions.
Section 4.06 Reports of Foreclosures and Abandonment of Mortgaged
Property. (See Section 4.06 of the Standard Terms)
Section 4.07 Optional Purchase of Defaulted Mortgage Loans. (See
Section 4.07 of the Standard Terms)
Section 4.08 [Reserved]
Section 4.09 Distributions on the Uncertificated REMIC I Regular
Interests.
(a) On each Distribution Date the Trustee shall be deemed to distribute to
itself, as the holder of the Uncertificated REMIC I Regular Interests, from
REMIC I, the following amounts in the following order of priority to the extent
of the Available Distribution Amount reduced by distributions made to the Class
R-I Certificates pursuant to Section 4.02(a):
(i) Uncertificated REMIC I Accrued Interest on the Uncertificated REMIC I
Regular Interests for such Distribution Date, plus any Uncertificated REMIC
I Accrued Interest thereon remaining unpaid from any previous Distribution
Date; and
(ii) In accordance with the priority set forth in Section 4.09(b), an
amount equal to the sum of the amounts in respect of principal
distributable on the Class A-1 Certificates, Class
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A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-6
Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-10
Certificates, Class A-11 Certificates, Class A-12 Certificates, Class A-13
Certificates, Class A-14 Certificates, Class A-15 Certificates, Class A-P
Certificates, Class M-1 Certificates, Class M-2 Certificates, Class M-3
Certificates, Class B-1 Certificates, Class B-2 Certificates, Class B-3
Certificates and Class R-II Certificates under Section 4.02(a), as
allocated thereto pursuant to Section 4.02(b).
(b) The amount described in Section 4.09(a)(ii) shall be deemed distributed
to (i) Uncertificated REMIC I Regular Interest U, (ii) Uncertificated REMIC I
Regular Interest V, (iii) Uncertificated REMIC I Regular Interest W, (iv)
Uncertificated REMIC I Regular Interest X, (v) Uncertificated REMIC I Regular
Interest Y, and (vi) Uncertificated REMIC I Regular Interest Z with the amount
to be distributed allocated among such interests in accordance with the priority
assigned to the (i) Class A-1 Certificates, (ii) Class A-2, Class X-0, Xxxxx
X-0, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-15,
Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II
Certificates, (iii) Class A-3 Certificates, (iv) Class A-4, (v) Class A-8 and
(vi) Class A-P Certificates, respectively, under Section 4.02(b) until the
Uncertificated Principal Balance of each such interest is reduced to zero.
(c) The portion of the Uncertificated REMIC I Regular Interest Distribution
Amounts described in Section 4.09(a)(i) shall be deemed distributed by REMIC I
to REMIC II in accordance with the priority assigned to the REMIC II
Certificates relative to that assigned to the REMIC I Certificates under Section
4.02(b).
(d) In determining from time to time the Uncertificated REMIC I Regular
Interest Distribution Amounts, Realized Losses allocated to the Certificates
shall be allocated to Uncertificated REMIC I Regular Interests in the same
amounts and priorities as allocated to the Corresponding Certificated Interests.
(e) Notwithstanding the deemed distributions on the Uncertificated REMIC I
Regular Interests described in this Section 4.09, distributions of funds from
the Certificate Account shall be made only in accordance with Section 4.02.
Section 4.10 Distributions on the Uncertificated Class A-V REMIC
Regular Interests.
(a) On each Distribution Date, the Trustee shall be deemed to distribute to
itself, as the holder of the Uncertificated Class A-V REMIC Regular Interests,
from REMIC II, Uncertificated Class A-V REMIC Accrued Interest on the
Uncertificated Class A-V REMIC Regular Interests for such Distribution Date,
plus any Uncertificated Class A-V REMIC Accrued Interest thereon remaining
unpaid from any previous Distribution Date.
(b) In determining from time to time the Uncertificated Class A-V REMIC
Regular Interest Distribution Amounts, Realized Losses allocated to the Class
A-V Certificates under Section 4.05 shall be deemed allocated to Uncertificated
Class A-V REMIC Regular Interests on a pro rata basis based on the
Uncertificated Class A-V REMIC Accrued Interest for the related Distribution
Date.
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(c) On each Distribution Date, the Trustee shall be deemed to distribute
from the Trust Fund, in the priority set forth in Sections 4.02(a), to the Class
A-V Certificates, the amounts distributable thereon from the Uncertificated
Class A-V REMIC Regular Interest Distribution Amounts deemed to have been
received by the Trustee from the Trust Fund under this Section 4.08. The amount
deemed distributable hereunder with respect to the Class A-V Certificates shall
equal 100% of the amounts payable with respect to the Uncertificated Class A-V
REMIC Regular Interests.
(d) Notwithstanding the deemed distributions on the Uncertificated Class
A-V REMIC Regular Interests described in this Section 4.10, distributions of
funds from the Certificate Account shall be made only in accordance with Section
4.02.
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ARTICLE V
THE CERTIFICATES
(SEE ARTICLE V OF THE STANDARD TERMS)
Section 5.01 The Certificates. (See Section 5.01 of the Standard Terms).
Section 5.02 Registration of Transfer and Exchange of Certificates
(See Section 5.01(a) through (d) and (f) through (h) of
the Standard Terms).
(a) (i) In the case of any Class B or Class R Certificate presented for
registration in the name of any Person, either (A) the Trustee shall require an
Opinion of Counsel acceptable to and in form and substance satisfactory to the
Trustee, the Company and the Master Servicer to the effect that the purchase or
holding of such Class B or Class R Certificate is permissible under applicable
law, will not constitute or result in any non-exempt prohibited transaction
under Section 406 of the Employee Retirement Income Security Act of 1974, as
amended ("ERISA"), or Section 4975 of the Code (or comparable provisions of any
subsequent enactments), and will not subject the Trustee, the Company or the
Master Servicer to any obligation or liability (including obligations or
liabilities under ERISA or Section 4975 of the Code) in addition to those
undertaken in this Agreement, which Opinion of Counsel shall not be an expense
of the Trustee, the Company or the Master Servicer or (B) the prospective
Transferee shall be required to provide the Trustee, the Company and the Master
Servicer with a certification to the effect set forth in paragraph six of
Exhibit H (with respect to any Class B Certificate) or paragraph fourteen of
Exhibit G-1 to the Standard Terms (with respect to any Class R Certificate),
which the Trustee may rely upon without further inquiry or investigation, or
such other certifications as the Trustee may deem desirable or necessary in
order to establish that such Transferee or the Person in whose name such
registration is requested either (a) is not an employee benefit plan or other
plan subject to the prohibited transaction provisions of ERISA or Section 4975
of the Code, or any Person (including an investment manager, a named fiduciary
or a trustee of any such plan) who is using "plan assets" of any such plan to
effect such acquisition (each, a "Plan Investor") or (b) in the case of any
Class B Certificate, the following conditions are satisfied: (i) such Transferee
is an insurance company, (ii) the source of funds used to purchase or hold such
Certificate (or interest therein) is an "insurance company general account" (as
defined in U.S. Department of Labor Prohibited Transaction Class Exemption
("PTCE") 95-60, and (iii) the conditions set forth in Sections I and III of PTCE
95-60 have been satisfied (each entity that satisfies this clause (b), a
"Complying Insurance Company").
(ii) Any Transferee of a Class M Certificate will be deemed to have
represented by virtue of its purchase or holding of such Certificate (or
interest therein) that either (a) such Transferee is not a Plan Investor, (b) it
has acquired and is holding such Certificate in reliance on Prohibited
Transaction Exemption ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as
amended by PTE 97-34, 62 Fed. Reg. 39021 (July 21, 1997), PTE 2000-58, 65 Fed.
Reg. 67765 (November 13, 2000) and PTE 2002-41, 67 Fed Reg. 54487 (August 22,
2002) (the "RFC Exemption"), and that it understands that there are certain
conditions to the availability of the RFC Exemption including that such
Certificate must be rated, at the time of purchase, not lower than
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"BBB-" (or its equivalent) by Standard & Poor's, Fitch or Moody's or (c) such
Transferee is a Complying Insurance Company.
(iii) (A) If any Class M Certificate (or any interest therein) is
acquired or held by any Person that does not satisfy the conditions described in
paragraph (ii) above, then the last preceding Transferee that either (i) is not
a Plan Investor, (ii) acquired such Certificate in compliance with the RFC
Exemption, or (iii) is a Complying Insurance Company shall be restored, to the
extent permitted by law, to all rights and obligations as Certificate Owner
thereof retroactive to the date of such Transfer of such Class M Certificate.
The Trustee shall be under no liability to any Person for making any payments
due on such Certificate to such preceding Transferee.
(B) Any purported Certificate Owner whose acquisition or
holding of any Class M Certificate (or interest therein) was
effected in violation of the restrictions in this Section 5.02(e)
shall indemnify and hold harmless the Company, the Trustee, the
Master Servicer, any Subservicer, each Underwriter and the Trust
Fund from and against any and all liabilities, claims, costs or
expenses incurred by such parties as a result of such acquisition
or holding.
Section 5.03 Mutilated, Destroyed, Lost or Stolen Certificates (See Section 5.03
of the Standard Terms).
Section 5.04 Persons Deemed Owners (See Section 5.04 of the Standard Terms).
Section 5.05 Appointment of Paying Agent (See Section 5.05 of the Standard
Terms).
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ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
(SEE ARTICLE VI OF THE STANDARD TERMS)
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ARTICLE VII
DEFAULT
(SEE ARTICLE VII OF THE STANDARD TERMS)
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ARTICLE VIII
CONCERNING THE TRUSTEE
(SEE ARTICLE VIII OF THE STANDARD TERMS)
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ARTICLE IX
TERMINATION
(SEE ARTICLE IX OF THE STANDARD TERMS)
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ARTICLE X
REMIC PROVISIONS
Section 10.01 REMIC Administration. (See Section 10.01 of the Standard
Terms)
Section 10.02 Master Servicer; REMIC Administrator and Trustee
Indemnification. (See Section 10.02 of the Standard Terms)
Section 10.03 Designation of REMIC(s).
The REMIC Administrator will make elections to treat each of REMIC I and
REMIC II, and subject to this Agreement (including the Mortgage Loans but
excluding the Initial Monthly Payment Fund) as a REMIC for federal income tax
purposes.
The Uncertificated REMIC I Regular Interests shall be designated as the
"regular interests" and the Class R-I Certificates shall be designated as the
sole class of "residual interests" in REMIC I. The Class A-1, Class A-2, Class
A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class
A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-P,
Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates
and the rights in and to which will be represented by the Class A-V
Certificates, will be "regular interests" in the REMIC II, and the Class R-II
Certificates will be the sole class of "residual interests" therein for purposes
of the REMIC Provisions (as defined in the Standard Terms) under federal income
tax law. On and after the date of issuance of any Subclass of Class A-V
Certificates pursuant to Section 5.01(c) of the Standard Terms, any such
Subclass will represent the Uncertificated Class A-V REMIC Regular Interest or
Interests specified by the initial Holder of the Class A-V Certificates pursuant
to said Section.
Section 10.04 Distributions on the Uncertificated REMIC Regular Interests.
(a) On each Distribution Date the Trustee shall be deemed to distribute to
itself, as the holder of the Uncertificated REMIC Regular Interests,
Uncertificated Accrued Interest on the Uncertificated REMIC Regular Interests
for such Distribution Date, plus any Uncertificated Accrued Interest thereon
remaining unpaid from any previous Distribution Date.
(b) In determining from time to time the Uncertificated REMIC Regular
Interest Distribution Amounts, Realized Losses allocated to the Class A-V
Certificates under Section 4.05 shall be deemed allocated to Uncertificated
REMIC Regular Interests on a pro rata basis based on the Uncertificated Accrued
Interest for the related Distribution Date.
(c) On each Distribution Date, the Trustee shall be deemed to distribute
from the Trust Fund, in the priority set forth in Section 4.02(a), to the Class
A-V Certificates, the amounts distributable thereon from the Uncertificated
REMIC Regular Interest Distribution Amounts deemed to have been received by the
Trustee from the Trust Fund under this Section 10.04. The amount deemed
distributable hereunder with respect to the Class A-V Certificates shall equal
100% of the amounts payable with respect to the Uncertificated REMIC Regular
Interests.
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(d) Notwithstanding the deemed distributions on the Uncertificated REMIC
Regular Interests described in this Section 10.04, distributions of funds from
the Certificate Account shall be made only in accordance with Section 4.02.
Section 10.05 Compliance with Withholding Requirements.
Notwithstanding any other provision of this Agreement, the Trustee or any
Paying Agent, as applicable, shall comply with all federal withholding
requirements respecting payments to Certificateholders, including interest or
original interest discount payments or advances thereof that the Trustee or any
Paying Agent, as applicable, reasonably believes are applicable under the Code.
The consent of Certificateholders shall not be required for such withholding. In
the event the Trustee or any Paying Agent, as applicable, does withhold any
amount from interest or original issue discount payments or advances thereof to
any Certificateholder pursuant to federal withholding requirements, the Trustee
or any Paying Agent, as applicable, shall indicate the amount withheld to such
Certificateholder pursuant to the terms of such requirements.
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ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment. (See Section 11.01 of the Standard Terms)
Section 11.02 Recordation of Agreement. Counterparts. (See Section 11.02 of
the Standard Terms)
Section 11.03 Limitation on Rights of Certificateholders. (See Section
11.03 of the Standard Terms)
Section 11.04 Governing Laws. (See Section 11.04 of the Standard Terms)
Section 11.05 Notices. All demands and notices hereunder shall be in
writing and shall be deemed to have been duly given if personally
delivered at or mailed by registered mail, postage prepaid (except for
notices to the Trustee which shall be deemed to have been duly given
only when received), to the appropriate address for each recipient
listed in the table below or, in each case, such other address as may
hereafter be furnished in writing to the Master Servicer, the Trustee
and the Company, as applicable:
Recipient Address
0000 Xxxxxxxxxx Xxxx Xxxxxxxxx
Xxxxx 000, Xxxxxxxxxxx, Xxxxxxxxx 00000,
Company Attention: President
0000 X. Xxxxxxx Xxxxxx, Xxxxx 000
Xxxxxxx, Xxxxxxxxxx 00000-0000,
Master Servicer Attention: Managing Director/Master Servicing
Corporate Trust Office
The Trustee designates its offices located at
c/o DTC Transfer Services
00 Xxxxx Xxxxxx, 0xx Xxxxx-Xxxxxxxx Xxxx Entrance
Xxx Xxxx, Xxx Xxxx 00000, for the purposes of Section 8.12
Trustee of the Standard Terms
00 Xxxxx Xxxxxx
Standard and Poor's Xxx Xxxx, Xxx Xxxx 00000
Fitch Xxx Xxxxx Xxxxxx Xxxxx
Xxx Xxxx, Xxx Xxxx 00000
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. Any notice so mailed within the time
prescribed in this Agreement shall be conclusively presumed to have been duly
given, whether or not the Certificateholder receives such notice.
-47-
Section 11.06 Required Notices to Rating Agency and Subservicer.
The Company, the Master Servicer or the Trustee, as applicable, shall
notify each Rating Agency and the Subservicer at such time as it is otherwise
required pursuant to this Agreement to give notice of the occurrence of, any of
the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or
provide a copy to each Rating Agency at such time as otherwise required to be
delivered pursuant to this Agreement of any of the statements described in
clauses (e) and (f) below:
(a) a material change or amendment to this Agreement,
(b) the occurrence of an Event of Default,
(c) the termination or appointment of a successor Master Servicer
or Trustee or a change in the majority ownership of the Trustee,
(d) the filing of any claim under the Master Servicer's blanket
fidelity bond and the errors and omissions insurance policy required by
Section 3.12 or the cancellation or modification of coverage under any
such instrument,
(e) the statement required to be delivered to the Holders of each
Class of Certificates pursuant to Section 4.03,
(f) the statements required to be delivered pursuant to Sections
3.18 and 3.19,
(g) a change in the location of the Custodial Account or the
Certificate Account,
(h) the occurrence of any monthly cash flow shortfall to the
Holders of any Class of Certificates resulting from the failure by the
Master Servicer to make an Advance pursuant to Section 4.04,
(i) the occurrence of the Final Distribution Date, and
(j) the repurchase of or substitution for any Mortgage Loan,
provided, however, that with respect to notice of the occurrence of the events
described in clauses (d), (g) or (h) above, the Master Servicer shall provide
prompt written notice to each Rating Agency and the Subservicer of any such
event known to the Master Servicer.
Section 11.07 Severability of Provisions. (See Section 11.07 of the
Standard Terms)
Section 11.08 Supplemental Provisions for Resecuritization. (See Section
11.08 of the Standard Terms)
Section 11.09 Allocation of Voting Rights.
-48-
96.0% of all Voting Rights shall be allocated among Holders of
Certificates, other than the Interest Only Certificates and Residual
Certificates, in proportion to the outstanding Certificate Principal Balances of
their respective Certificates, 1.0% of all Voting Rights shall be allocated
among the Holders of the Class A-5 Certificates in accordance with their
respective Percentage Interests; 1.0% of all Voting Rights shall be allocated
among the Holders of the Class A-9 Certificates in accordance with their
respective Percentage Interests; 1.0% of all Voting Rights shall be allocated
among the Holders of the Class A-V Certificates in accordance with their
respective Percentage Interests; and 0.5% and 0.5% of all Voting Rights shall be
allocated among the Holders of the Class R-I Certificates and Class R-II
Certificates, respectively, in accordance with their respective Percentage
Interests.
-49-
IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have
caused their names to be signed hereto by their respective officers thereunto
duly authorized and their respective seals, duly attested, to be hereunto
affixed, all as of the day and year first above written.
[Seal] RESIDENTIAL FUNDING MORTGAGE
SECURITIES I, INC.
Attest: /s/ Xxxx Xxxxxxxx By:/s/ Xxxxx Xxxxxxxxx
Name: Xxxx Xxxxxxxx Name: Xxxxx Xxxxxxxxx
Title: Vice President Title: Vice President
[Seal]
RESIDENTIAL FUNDING CORPORATION
Attest: /s/ Xxxxx Xxx By:/s/ Xxxx Xxxxxxxx
Name: Xxxxx Xxx Name: Xxxx Xxxxxxxx
Title: Director Title: Managing Director
DEUTSCHE BANK TRUST COMPANY
AMERICAS
[Seal] as Trustee
Attest: /s/ Xxxxxxx Xxxxxxxx By: /s/ Xxxxxxx Xxxxx
Name: Xxxxxxx Xxxxxxxx Name: Xxxxxxx Xxxxx
Title: Assistant Secretary Title: Associate
[Seal]
By: /s/ Xxxxx Xxxxxxx
Name: Xxxxx Xxxxxxx
Attest: /s/ Xxxxxxx Xxxxxxxx Title: Associate
Name: Xxxxxxx Xxxxxxxx
Title:Assistant Xxxxxxxxx
-00-
XXXXX XX XXXXXXXXX )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of December, 2002 before me, a notary public in
and for said State, personally appeared Xxxxx Xxxxxxxxx, known to me to be a
Vice President of Residential Funding Mortgage Securities I, Inc., one of the
corporations 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.
Notary Public
_________________
[Notarial Seal]
-00-
XXXXX XX XXXXXXXXX )
) ss.:
COUNTY OF HENNEPIN )
On the 30th day of December, 2002 before me, a notary public in
and for said State, personally appeared Xxxx Xxxxxxxx, known to me to be a
Managing Director of Residential Funding Corporation, one of the corporations
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.
Notary Public
__________________
[Notarial Seal]
-00-
XXXXX XX XXXXXXXXXX )
) ss.:
COUNTY OF ORANGE )
On the 30th day of December, 2002 before me, a notary public in
and for said State, personally appeared Xxxxxxx Xxxxx, known to me to be an
Associate of Deutsche Bank Trust Company Americas, the entity that executed the
within instrument, and also known to me to be the person who executed it on
behalf of said banking entity and acknowledged to me that such banking entity
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.
Notary Public
___________________
[Notarial Seal]
-00-
XXXXX XX XXXXXXXXXX )
) ss.:
COUNTY OF ORANGE )
On the 30th day of December, 2002 before me, a notary public in
and for said State, personally appeared Xxxxx Xxxxxxx, known to me to be an
Associate of Deutsche Bank Trust Company Americas, the entity that executed the
within instrument, and also known to me to be the person who executed it on
behalf of said banking entity and acknowledged to me that such banking entity
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.
Notary Public
___________________
[Notarial Seal]
-54-
EXHIBIT ONE
MORTGAGE LOAN SCHEDULE
(Available Upon Request)
RUN ON : 12/19/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 13.44.40 FIXED PASSTHRU REPORT AMORTIZED BALANCE
SERIES : RFMSI 2002-S19 CUTOFF : 12/01/02
POOL : 0004645
:
:
POOL STATUS: F
RFC LOAN NUMBER SUB SERV FEE
PRINCIPAL BALANCE MSTR SERV FEE
CURR NOTE RATE ALL EXP
RFC NET RATE MISC EXP
NET MTG RATE(INVSTR RATE) SPREAD
POST STRIP RATE STRIP
-----------------------------------------------------------------------------
7930261 .2500
325,220.89 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8004215 .2500
193,630.90 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8005427 .2500
228,571.09 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8019175 .2500
113,727.86 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8019585 .2500
448,712.38 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8025345 .2500
188,368.74 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8025671 .2500
342,977.07 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8033999 .2500
125,771.56 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8044871 .2500
97,834.87 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.0000 .5450
8047879 .2500
162,119.57 .0800
6.7500 .0000
6.5000 .0000
6.4200 .0000
6.0000 .4200
8048717 .2500
467,721.15 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8048721 .2500
558,473.01 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8049601 .2500
115,899.50 .0800
6.7500 .0000
6.5000 .0000
6.4200 .0000
6.0000 .4200
8057141 .2500
393,268.22 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8057859 .2500
224,592.53 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8059385 .2500
173,579.62 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8059455 .2500
266,815.41 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8061601 .2500
519,010.63 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8062179 .2500
293,467.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8062277 .2500
239,564.90 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8062901 .2500
138,952.32 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8064895 .2500
143,875.73 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
1
8065127 .2500
293,966.10 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8065189 .2500
257,637.03 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8065243 .2500
421,035.31 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8070817 .2500
468,718.42 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8071905 .2500
324,366.61 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8072891 .2500
102,804.03 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8073087 .2500
484,162.51 .0800
6.7500 .0000
6.5000 .0000
6.4200 .0000
6.0000 .4200
8076221 .2500
346,030.89 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8081399 .2500
165,310.99 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8081625 .2500
503,589.32 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8081633 .2500
542,480.37 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8082333 .2500
613,829.87 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8082533 .2500
374,336.46 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8087455 .2500
528,841.90 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8088133 .2500
573,957.55 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8088179 .2500
484,077.22 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
1
8088303 .2500
186,652.68 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8088351 .2500
598,885.61 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8088829 .2500
277,442.79 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8089175 .2500
152,688.02 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8090135 .2500
522,279.23 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8090327 .2500
319,626.06 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8090475 .2500
540,841.37 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8090533 .2500
566,351.46 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
1
8090661 .2500
331,316.84 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8091809 .2500
184,832.75 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8091895 .2500
523,270.32 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8097171 .2500
399,287.25 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8097653 .2500
109,774.61 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8099341 .2500
540,511.07 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8099343 .2500
569,964.82 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8099507 .2500
471,123.34 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8099565 .2500
332,064.50 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8099579 .2500
519,002.24 .0800
6.7500 .0000
6.5000 .0000
6.4200 .0000
6.0000 .4200
8099709 .2500
541,017.39 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8099725 .2500
595,817.88 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8099741 .2500
594,893.03 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8100907 .2500
119,894.13 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8100955 .2500
328,702.58 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8103987 .2500
176,248.12 .0800
6.7500 .0000
6.5000 .0000
6.4200 .0000
6.0000 .4200
1
8104265 .2500
99,905.11 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8106209 .2500
325,840.54 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8106263 .2500
563,477.62 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8107661 .2500
248,364.12 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8108901 .2500
355,927.94 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8109461 .2500
319,696.37 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8110267 .2500
471,562.83 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8110309 .2500
323,699.91 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8113437 .2500
209,654.72 .0800
7.0000 .0000
6.7500 .0000
6.6700 .0000
6.0000 .6700
8115755 .2500
265,947.42 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8118157 .2500
372,654.52 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8118695 .2500
529,291.04 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8119561 .2500
241,181.77 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8120917 .2500
324,698.98 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8121711 .2500
339,685.09 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8121993 .2500
323,699.91 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8122053 .2500
1,140,551.17 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8122057 .2500
802,256.26 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8122949 .5000
494,323.78 .0800
6.6250 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8123023 .5000
319,433.78 .0800
6.6250 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8132219 .2500
430,333.59 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8132303 .2500
323,397.56 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8132613 .2500
339,185.55 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8134521 .2500
319,696.37 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
1
8134655 .2500
769,286.83 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8136467 .2500
363,670.94 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8136507 .2500
523,602.71 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8136515 .2500
354,100.13 .0800
6.8750 .0000
6.6250 .0000
6.5450 .0000
6.0000 .5450
8136711 .2500
645,881.79 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8140833 .2500
485,538.86 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8140837 .2500
566,699.57 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8141413 .2500
175,824.79 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
1
8142733 .2500
324,691.63 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8142869 .2500
427,584.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8142981 .2500
399,611.22 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8143017 .2500
359,632.96 .0300
5.8750 .0000
5.6250 .0000
5.5950 .0000
5.5950 .0000
8143027 .2500
557,495.56 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8143633 .2500
338,186.48 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8143679 .2500
567,473.92 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8143683 .2500
462,749.80 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
1
8143775 .2500
399,588.44 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8143791 .2500
551,500.98 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8144265 .2500
176,328.46 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8144823 .2500
323,692.58 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8144857 .2500
317,712.52 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8144907 .2500
482,530.55 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8145585 .2500
338,999.10 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8145615 .2500
567,562.72 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
1
8145625 .2500
474,096.25 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8146285 .2500
106,351.41 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8146975 .2500
222,588.60 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8147331 .2500
726,792.91 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8149163 .2500
399,120.94 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8151211 .2500
394,606.78 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8151477 .2500
571,457.27 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8151847 .2500
344,672.65 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
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1
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218,900.00 .0800
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179,000.00 .0300
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1
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500,000.00 .0800
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1
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241,000.00 .0800
6.5000 .0000
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1
8235125 .2500
200,000.00 .0800
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508,000.00 .0300
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240,000.00 .0800
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162,000.00 .0300
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498,000.00 .0300
6.1250 .0000
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536,792.00 .0300
6.0000 .0000
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316,000.00 .0800
6.3750 .0000
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1
8236673 .2500
500,000.00 .0300
6.2500 .0000
6.0000 .0000
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8236741 .2500
599,373.56 .0300
5.7500 .0000
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650,000.00 .0300
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489,546.17 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
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748,300.00 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8238669 .2500
232,000.00 .0300
6.0000 .0000
5.7500 .0000
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8238703 .2500
364,650.00 .0800
6.5000 .0000
6.2500 .0000
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6.0000 .1700
8238779 .2500
491,500.00 .0300
6.2500 .0000
6.0000 .0000
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1
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499,200.00 .0300
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6.0000 .0000
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133,750.00 .0800
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520,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
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518,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8239373 .2500
40,000.00 .0800
6.6250 .0000
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174,500.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
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475,000.00 .0800
6.3750 .0000
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1
8240119 .2500
339,500.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8240145 .2500
92,400.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8240185 .2500
631,600.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8240189 .2500
491,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8240209 .2500
480,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8240221 .2500
630,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8240225 .2500
309,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8242827 .2500
600,000.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
1
8242895 .2500
160,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8242995 .2500
845,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8243063 .2500
910,000.00 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8243065 .2500
528,000.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8243111 .2500
520,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8243119 .2500
109,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8243123 .2500
531,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8243229 .2500
167,500.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8244399 .2500
553,200.00 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8244487 .2500
280,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8244499 .2500
235,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8244547 .2500
202,500.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8244579 .2500
210,800.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8244583 .2500
260,500.00 .0800
6.7500 .0000
6.5000 .0000
6.4200 .0000
6.0000 .4200
8244725 .2500
268,500.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8244777 .2500
523,500.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8244821 .2500
170,100.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8244847 .2500
241,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8244921 .2500
576,200.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8245585 .2500
550,000.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8245597 .2500
532,000.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8245801 .2500
440,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8245805 .2500
325,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8246023 .2500
512,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
1
8246037 .2500
615,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8249271 .2500
225,000.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8249279 .2500
505,000.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8249325 .2500
128,500.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8249463 .2500
650,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8249499 .2500
328,500.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8249531 .2500
500,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8249633 .2500
244,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
1
8250077 .2500
325,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8253737 .2500
180,000.00 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8253927 .2500
193,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8253935 .2500
240,000.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8253951 .2500
555,000.00 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8253973 .2500
705,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8256699 .2500
490,000.00 .0300
6.0000 .0000
5.7500 .0000
5.7200 .0000
5.7200 .0000
8256753 .2500
479,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
1
8256761 .2500
48,800.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8258539 .2500
483,000.00 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8262587 .2500
310,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8262659 .2500
206,000.00 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8264955 .2500
319,500.00 .0800
6.6250 .0000
6.3750 .0000
6.2950 .0000
6.0000 .2950
8266783 .2500
161,100.00 .0300
6.1250 .0000
5.8750 .0000
5.8450 .0000
5.8450 .0000
8269509 .2500
208,500.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8330166 .2500
524,048.21 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
1
8331678 .2500
368,649.87 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8332464 .2500
487,137.34 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8332834 .2500
390,629.01 .0300
6.2500 .0000
6.0000 .0000
5.9700 .0000
5.9700 .0000
8335370 .2500
377,500.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
8336242 .2500
213,000.00 .0800
6.5000 .0000
6.2500 .0000
6.1700 .0000
6.0000 .1700
8337312 .2500
853,000.00 .0800
6.3750 .0000
6.1250 .0000
6.0450 .0000
6.0000 .0450
TOTAL NUMBER OF LOANS: 740
TOTAL BALANCE........: 310,174,681.60
RUN ON : 12/19/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01
AT : 13.44.40 INITIAL SECURITY FEES AMORTIZED BALANCE
SERIES : RFMSI 2002-S19 FIXED SUMMARY REPORT CUTOFF : 12/01/02
POOL : 0004645
:
:
POOL STATUS: F
WEIGHTED AVERAGES FROM TO
----------------------------------------------------------------------------
CURR NOTE RATE 6.3317 5.7500 7.2500
RFC NET RATE 6.0705 5.5000 7.0000
NET MTG RATE(INVSTR RATE) 6.0153 5.4700 6.9200
POST STRIP RATE 5.9541 5.4700 6.0000
SUB SERV FEE .2613 .2500 .5000
MSTR SERV FEE .0551 .0300 .0800
ALL EXP .0000 .0000 .0000
MISC EXP .0000 .0000 .0000
SPREAD .0000 .0000 .0000
STRIP .0612 .0000 .9200
TOTAL NUMBER OF LOANS: 740
TOTAL BALANCE........: 310,174,681.60
***************************
* END OF REPORT *
***************************
RUN ON : 12/19/02 RFC DISCLOSURE SYSTEM RFFSD177-01
AT : 13.44.40 FIXED RATE LOAN LISTING AMORTIZED BALANCE
SERIES : RFMSI 2002-S19 CUTOFF : 12/01/02
POOL : 0004645
:
:
POOL STATUS: F
RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL LOAN FEATURE
ORIG TERM PRINCIPAL BAL # OF UNITS
ORIG RATE ORIGINAL P+I LTV
CURR NET CURRENT P+I
CITY STATE ZIP LOAN PURP NOTE DATE MI CO CODE
SERVICER LOAN # PROP TYPE 1ST PMT DATE MI CVG
SELLER LOAN # OCCP CODE MATURITY DATE
INVESTOR LOAN #
______________________________________________________________________________
7930261 964/G01 F 326,500.00 ZZ
360 325,220.89 1
6.125 1,983.85 41
5.875 1,983.85
XXXXXXX XXXX XX 00000 2 07/30/02 00
0434452686 05 09/01/02 0
226642 O 08/01/32
0
8004215 N74/G01 F 194,000.00 ZZ
360 193,630.90 1
6.250 1,194.49 56
6.000 1,194.49
XXXXXXXX XX 00000 5 08/29/02 00
0434528691 05 11/01/02 0
0030651010 O 10/01/32
0
8005427 E82/G01 F 229,500.00 ZZ
360 228,571.09 1
6.375 1,431.78 54
6.125 1,431.78
XXXXXXXXXX XX 00000 2 08/30/02 00
0400681714 03 11/01/02 0
0400681714 O 10/01/32
0
8019175 K15/G01 F 114,000.00 ZZ
360 113,727.86 1
6.625 729.95 60
6.375 729.95
XXXXXXXX XX 00000 5 09/03/02 00
0434551735 05 11/01/02 0
1
02320551426 O 10/01/32
0
8019585 X91/G01 F 450,000.00 ZZ
360 448,712.38 1
6.250 2,770.73 54
6.000 2,770.73
XXXXXXXX XX 00000 2 08/26/02 00
0434608675 05 10/01/02 0
801304 O 09/01/32
0
8025345 E22/G01 F 188,800.00 ZZ
360 188,368.74 1
6.375 1,177.87 79
6.125 1,177.87
XXXXXXXXXX XX 00000 5 09/05/02 00
0414688523 05 11/01/02 0
0414688523 O 10/01/32
0
8025671 E82/G01 F 343,600.00 ZZ
360 342,977.07 1
6.500 2,171.79 32
6.250 2,171.79
XXX XXXXXXX XX 00000 2 09/03/02 00
0400673380 05 11/01/02 0
1790285 O 10/01/32
0
8033999 E22/G01 F 126,000.00 ZZ
360 125,771.56 1
6.500 796.41 75
6.250 796.41
XXXXX XXXXX XX 00000 5 08/30/02 00
0414603845 03 11/01/02 0
0414603845 O 10/01/32
0
8044871 E22/G01 F 98,000.00 ZZ
360 97,834.87 1
6.875 643.79 75
6.625 643.79
XXXXX XX 00000 5 09/12/02 00
0414300301 05 11/01/02 0
0414300301 O 10/01/32
0
1
8047879 E82/G01 F 162,400.00 ZZ
360 162,119.57 1
6.750 1,053.32 66
6.500 1,053.32
XXXXXX XX 00000 2 09/11/02 00
0400672663 05 11/01/02 0
6879434 O 10/01/32
0
8048717 956/G01 F 469,000.00 ZZ
360 467,721.15 1
6.500 2,964.40 79
6.250 2,964.40
XXXXX XXXXXX XX 00000 2 08/13/02 00
0434657722 05 10/01/02 0
612080019 O 09/01/32
0
8048721 956/G01 F 560,000.00 ZZ
360 558,473.01 1
6.500 3,539.58 45
6.250 3,539.58
XXXXXXXX XX 00000 2 08/02/02 00
0434646014 05 10/01/02 0
712070173 O 09/01/32
0
8049601 S27/G01 F 116,100.00 ZZ
360 115,899.50 4
6.750 753.03 90
6.500 753.03
XXXXXXXXXX XX 00000 1 09/11/02 01
0434635496 05 11/01/02 25
1020004548 O 10/01/32
0
8057141 E22/G01 F 394,000.00 ZZ
360 393,268.22 1
6.375 2,458.05 61
6.125 2,458.05
XXXXXXXXX XX 00000 2 09/13/02 00
0414702878 03 11/01/02 0
0414702878 O 10/01/32
0
8057859 K15/G01 F 225,000.00 ZZ
360 224,592.53 1
6.625 1,440.70 75
6.375 1,440.70
1
XXXXXXXXX XX 00000 5 09/18/02 00
0434645115 05 11/01/02 0
023205502684 O 10/01/32
0
8059385 E82/G01 F 173,900.00 ZZ
360 173,579.62 1
6.500 1,099.17 70
6.250 1,099.17
XXXXXXX XX 00000 2 09/17/02 00
0400684973 05 11/01/02 0
0400684973 O 10/01/32
0
8059455 E82/G01 F 267,300.00 ZZ
360 266,815.41 1
6.500 1,689.52 54
6.250 1,689.52
XXXXXXXXXX XX 00000 2 09/20/02 00
0400674941 05 11/01/02 0
17510101 O 10/01/32
0
8061601 696/G01 F 520,000.00 ZZ
360 519,010.63 1
6.250 3,201.73 68
6.000 3,201.73
XXXXXX XX 00000 1 09/19/02 00
0434627808 05 11/01/02 0
25102198 O 10/01/32
0
8062179 E82/G01 F 294,000.00 ZZ
360 293,467.00 1
6.500 1,858.28 56
6.250 1,858.28
XXXXXXXX XX 00000 2 09/19/02 00
0400675997 05 11/01/02 0
3678180 O 10/01/32
0
8062277 E82/G01 F 240,000.00 ZZ
360 239,564.90 1
6.500 1,516.96 60
6.250 1,516.96
XXXXXXXXX XX 00000 2 09/19/02 00
0400690830 05 11/01/02 0
2665037 O 10/01/32
0
1
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1
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8171237 196/G01 F 375,200.00 ZZ
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8171263 196/G01 F 350,000.00 ZZ
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8171267 196/G01 F 360,000.00 ZZ
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8171285 196/G01 F 318,000.00 ZZ
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0
8171287 196/G01 F 500,000.00 ZZ
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1
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0
8171295 196/G01 F 398,000.00 ZZ
360 397,631.37 1
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0
8171303 196/G01 F 521,600.00 ZZ
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0
8171325 964/G01 F 550,000.00 ZZ
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XXX XXXXXXXXX XX 00000 2 10/08/02 00
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0
8171335 964/G01 F 620,000.00 ZZ
360 619,425.76 1
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0
8171355 196/G01 F 353,000.00 ZZ
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1
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1
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0415338169 O 12/01/32
0
8330166 E23/G01 F 525,000.00 ZZ
360 524,048.21 1
6.500 3,318.36 73
6.250 3,318.36
XXXXX XXXX XX 00000 1 09/12/02 00
0434716247 05 11/01/02 0
62002672 O 10/01/32
0
8331678 E23/G01 F 369,000.00 ZZ
360 368,649.87 1
6.250 2,272.00 61
6.000 2,272.00
XXXXXX XX 00000 5 10/09/02 00
0434783502 05 12/01/02 0
11013419 O 11/01/32
0
8332464 E23/G01 F 487,600.00 ZZ
360 487,137.34 1
6.250 3,002.24 78
6.000 3,002.24
XXXXXXXX XX 00000 2 10/04/02 00
0434796033 03 12/01/02 0
71004599 O 11/01/32
0
8332834 E23/G01 F 391,000.00 ZZ
360 390,629.01 1
6.250 2,407.45 58
6.000 2,407.45
XXX XXXXXXX XX 00000 2 10/10/02 00
0434847497 05 12/01/02 0
62003767 O 11/01/32
0
8335370 E23/G01 F 377,500.00 ZZ
360 377,500.00 1
6.375 2,355.11 70
6.125 2,355.11
XX XXXX XX 00000 5 11/04/02 00
0434926630 05 01/01/03 0
11014495 O 12/01/32
0
1
8336242 E23/G01 F 213,000.00 ZZ
360 213,000.00 1
6.500 1,346.30 42
6.250 1,346.30
XXXXXXXXXX XX 00000 5 11/01/02 00
0434999843 05 01/01/03 0
62003956 O 12/01/32
0
8337312 Q51/G01 F 853,000.00 ZZ
360 853,000.00 1
6.375 5,321.61 70
6.125 5,321.61
XXX XXXXXX XX 00000 1 11/14/02 00
0435015128 05 01/01/03 0
A21013B1 O 12/01/32
0
TOTAL NUMBER OF LOANS : 740
TOTAL ORIGINAL BALANCE : 310,445,088.00
TOTAL PRINCIPAL BALANCE : 310,174,681.60
TOTAL ORIGINAL P+I : 1,930,518.29
TOTAL CURRENT P+I : 1,930,518.30
***************************
* END OF REPORT *
***************************
-1-
EXHIBIT TWO
SCHEDULE OF DISCOUNT FRACTIONS
(Available Upon Request)
Schedule of Discount Fractions
Loan Number Current Balance Net Mortgage Rate Discount Fraction XX Xxxxxxx
0000000 $325,220.89 5.845% 2.5833% $8,401.54
8004215 $193,630.90 5.970% 0.5000% $968.15
8019585 $448,712.38 5.970% 0.5000% $2,243.56
8061601 $519,010.63 5.970% 0.5000% $2,595.05
8064895 $143,875.73 5.970% 0.5000% $719.38
8071905 $324,366.61 5.845% 2.5833% $8,379.47
8072891 $102,804.03 5.970% 0.5000% $514.02
8082333 $613,829.87 5.970% 0.5000% $3,069.15
8087455 $528,841.90 5.970% 0.5000% $2,644.21
8088179 $484,077.22 5.970% 0.5000% $2,420.39
8091895 $523,270.32 5.720% 4.6667% $24,419.28
8097653 $109,774.61 5.970% 0.5000% $548.87
8104265 $99,905.11 5.970% 0.5000% $499.53
8106209 $325,840.54 5.970% 0.5000% $1,629.20
8107661 $248,364.12 5.970% 0.5000% $1,241.82
8109461 $319,696.37 5.970% 0.5000% $1,598.48
8115755 $265,947.42 5.970% 0.5000% $1,329.74
8118695 $529,291.04 5.970% 0.5000% $2,646.46
8132219 $430,333.59 5.970% 0.5000% $2,151.67
8134521 $319,696.37 5.970% 0.5000% $1,598.48
8136711 $645,881.79 5.970% 0.5000% $3,229.41
8140833 $485,538.86 5.970% 0.5000% $2,427.69
8141413 $175,824.79 5.720% 4.6667% $8,205.16
8142733 $324,691.63 5.970% 0.5000% $1,623.46
8142869 $427,584.00 5.845% 2.5833% $11,045.92
8142981 $399,611.22 5.845% 2.5833% $10,323.29
8143017 $359,632.96 5.595% 6.7500% $24,275.22
8143683 $462,749.80 5.845% 2.5833% $11,954.37
8144265 $176,328.46 5.845% 2.5833% $4,555.15
8144823 $323,692.58 5.970% 0.5000% $1,618.46
8144907 $482,530.55 5.845% 2.5833% $12,465.37
8145625 $474,096.25 5.970% 0.5000% $2,370.48
8146975 $222,588.60 5.970% 0.5000% $1,112.94
8147331 $726,792.91 5.845% 2.5833% $18,775.48
8149163 $399,120.94 5.970% 0.5000% $1,995.60
8151211 $394,606.78 5.720% 4.6667% $18,414.98
8151477 $571,457.27 5.970% 0.5000% $2,857.29
8151847 $344,672.65 5.970% 0.5000% $1,723.36
8154091 $415,707.56 5.970% 0.5000% $2,078.54
8157173 $386,000.00 5.970% 0.5000% $1,930.00
8157985 $319,696.37 5.970% 0.5000% $1,598.48
8159283 $472,599.12 5.970% 0.5000% $2,363.00
8159319 $363,654.62 5.970% 0.5000% $1,818.27
8159425 $359,658.42 5.970% 0.5000% $1,798.29
8161915 $606,623.87 5.970% 0.5000% $3,033.12
8162097 $282,231.95 5.970% 0.5000% $1,411.16
8162145 $514,487.31 5.720% 4.6667% $24,009.41
8162291 $959,089.11 5.970% 0.5000% $4,795.45
8162851 $349,659.82 5.845% 2.5833% $9,032.88
8163297 $325,683.15 5.845% 2.5833% $8,413.48
8163311 $464,558.78 5.970% 0.5000% $2,322.79
8163359 $349,667.91 5.970% 0.5000% $1,748.34
8163671 $323,085.68 5.845% 2.5833% $8,346.38
Thursday, December 26, 2002 Page 1 of 7
8164017 $348,412.00 5.595% 6.7500% $23,517.81
8168477 $474,549.30 5.970% 0.5000% $2,372.75
8168967 $142,700.00 5.970% 0.5000% $713.50
8169381 $333,183.56 5.970% 0.5000% $1,665.92
8170787 $384,634.70 5.970% 0.5000% $1,923.17
8170797 $383,635.64 5.970% 0.5000% $1,918.18
8170807 $381,079.24 5.845% 2.5833% $9,844.55
8170815 $496,528.42 5.970% 0.5000% $2,482.64
8170847 $418,202.79 5.970% 0.5000% $2,091.01
8170867 $334,682.13 5.970% 0.5000% $1,673.41
8170871 $223,132.92 5.845% 2.5833% $5,764.27
8170955 $594,160.70 5.970% 0.5000% $2,970.80
8170959 $428,583.04 5.845% 2.5833% $11,071.73
8171043 $317,698.26 5.970% 0.5000% $1,588.49
8171053 $579,422.60 5.720% 4.6667% $27,039.72
8171059 $383,269.38 5.970% 0.5000% $1,916.35
8171115 $391,628.05 5.970% 0.5000% $1,958.14
8171117 $374,626.68 5.720% 4.6667% $17,482.58
8171267 $359,315.04 5.970% 0.5000% $1,796.58
8171357 $379,639.44 5.970% 0.5000% $1,898.20
8171367 $349,659.82 5.845% 2.5833% $9,032.88
8171899 $399,520.56 5.970% 0.5000% $1,997.60
8175989 $467,555.94 5.970% 0.5000% $2,337.78
8179133 $473,550.25 5.970% 0.5000% $2,367.75
8179303 $321,694.47 5.970% 0.5000% $1,608.47
8180073 $456,566.38 5.970% 0.5000% $2,282.83
8180107 $599,416.84 5.845% 2.5833% $15,484.94
8180613 $585,716.34 5.720% 4.6667% $27,333.43
8181217 $437,084.88 5.970% 0.5000% $2,185.42
8182033 $539,487.63 5.970% 0.5000% $2,697.44
8182113 $376,642.29 5.970% 0.5000% $1,883.21
8182221 $437,315.05 5.845% 2.5833% $11,297.31
8182903 $174,833.95 5.970% 0.5000% $874.17
8184069 $479,544.56 5.970% 0.5000% $2,397.72
8184093 $324,800.00 5.970% 0.5000% $1,624.00
8184101 $362,655.57 5.970% 0.5000% $1,813.28
8184793 $70,000.00 5.970% 0.5000% $350.00
8184899 $336,472.65 5.845% 2.5833% $8,692.21
8184931 $398,000.00 5.970% 0.5000% $1,990.00
8185577 $468,533.11 5.720% 4.6667% $21,864.88
8187971 $371,638.43 5.845% 2.5833% $9,600.66
8188557 $228,982.53 5.970% 0.5000% $1,144.91
8188583 $684,350.05 5.970% 0.5000% $3,421.75
8188789 $374,644.18 5.970% 0.5000% $1,873.22
8188797 $462,560.69 5.970% 0.5000% $2,312.80
8189063 $354,654.96 5.845% 2.5833% $9,161.92
8189065 $357,660.31 5.970% 0.5000% $1,788.30
8189071 $480,000.00 5.970% 0.5000% $2,400.00
8189107 $346,970.46 5.970% 0.5000% $1,734.85
8189255 $367,650.83 5.970% 0.5000% $1,838.25
8189471 $375,000.00 5.970% 0.5000% $1,875.00
8189509 $398,600.00 5.845% 2.5833% $10,297.17
8189581 $172,400.00 5.845% 2.5833% $4,453.67
8189811 $192,200.00 5.595% 6.7500% $12,973.50
8190157 $650,000.00 5.845% 2.5833% $16,791.67
8190221 $365,000.00 5.845% 2.5833% $9,429.17
8190615 $904,099.07 5.720% 4.6667% $42,191.29
Thursday, December 26, 2002 Page 2 of 7
8193411 $465,000.00 5.970% 0.5000% $2,325.00
8193495 $498,842.35 5.595% 6.7500% $33,671.86
8193517 $522,104.13 5.970% 0.5000% $2,610.52
8193525 $644,189.42 5.970% 0.5000% $3,220.95
8193553 $449,573.02 5.970% 0.5000% $2,247.87
8193555 $505,508.20 5.845% 2.5833% $13,058.96
8193565 $394,418.95 5.595% 6.7500% $26,623.28
8193577 $484,063.94 5.970% 0.5000% $2,420.32
8193581 $561,453.76 5.845% 2.5833% $14,504.22
8193635 $548,864.58 5.970% 0.5000% $2,744.32
8193647 $483,540.76 5.970% 0.5000% $2,417.70
8193651 $349,651.12 5.970% 0.5000% $1,748.26
8193675 $504,039.16 5.970% 0.5000% $2,520.20
8193779 $539,487.63 5.970% 0.5000% $2,697.44
8193781 $599,430.70 5.970% 0.5000% $2,997.15
8193791 $595,684.26 5.970% 0.5000% $2,978.42
8193801 $439,142.50 5.845% 2.5833% $11,344.51
8193821 $532,747.14 5.970% 0.5000% $2,663.74
8193865 $528,967.11 5.845% 2.5833% $13,664.98
8193873 $464,049.50 5.595% 6.7500% $31,323.34
8193875 $499,502.25 5.720% 4.6667% $23,310.11
8193899 $514,511.29 5.970% 0.5000% $2,572.56
8193909 $548,928.13 5.845% 2.5833% $14,180.64
8193919 $549,478.13 5.970% 0.5000% $2,747.39
8194073 $487,286.58 5.970% 0.5000% $2,436.43
8194119 $349,667.89 5.970% 0.5000% $1,748.34
8194137 $349,651.57 5.720% 4.6667% $16,317.07
8194141 $644,357.89 5.720% 4.6667% $30,070.03
8194155 $454,822.44 5.720% 4.6667% $21,225.05
8194167 $324,366.61 5.845% 2.5833% $8,379.47
8194173 $372,290.32 5.970% 0.5000% $1,861.45
8194217 $479,544.56 5.970% 0.5000% $2,397.72
8194227 $581,048.16 5.970% 0.5000% $2,905.24
8194461 $551,975.76 5.970% 0.5000% $2,759.88
8194473 $553,861.16 5.845% 2.5833% $14,308.08
8194501 $322,383.36 5.970% 0.5000% $1,611.92
8194515 $349,317.89 5.845% 2.5833% $9,024.05
8194657 $374,644.18 5.970% 0.5000% $1,873.22
8194947 $484,000.00 5.970% 0.5000% $2,420.00
8195895 $340,000.00 5.845% 2.5833% $8,783.33
8195961 $366,000.00 5.970% 0.5000% $1,830.00
8196025 $521,500.00 5.970% 0.5000% $2,607.50
8196881 $335,000.00 5.595% 6.7500% $22,612.50
8197319 $771,000.00 5.970% 0.5000% $3,855.00
8197623 $440,000.00 5.970% 0.5000% $2,200.00
8198655 $496,539.67 5.970% 0.5000% $2,482.70
8198759 $574,480.19 5.970% 0.5000% $2,872.40
8198765 $525,524.49 5.970% 0.5000% $2,627.62
8198809 $603,903.18 5.970% 0.5000% $3,019.52
8198819 $475,070.14 5.970% 0.5000% $2,375.35
8198823 $313,702.06 5.970% 0.5000% $1,568.51
8198845 $513,533.53 5.970% 0.5000% $2,567.67
8198861 $524,525.39 5.970% 0.5000% $2,622.63
8198891 $513,535.34 5.970% 0.5000% $2,567.68
8198951 $487,558.84 5.970% 0.5000% $2,437.79
8201089 $548,457.85 5.845% 2.5833% $14,168.49
8201161 $471,552.14 5.970% 0.5000% $2,357.76
Thursday, December 26, 2002 Page 3 of 7
8201205 $347,337.88 5.970% 0.5000% $1,736.69
8201275 $474,549.30 5.970% 0.5000% $2,372.75
8201291 $327,681.20 5.845% 2.5833% $8,465.10
8201321 $474,538.32 5.845% 2.5833% $12,258.91
8201323 $469,554.04 5.970% 0.5000% $2,347.77
8201343 $362,655.56 5.970% 0.5000% $1,813.28
8201357 $343,665.64 5.845% 2.5833% $8,878.03
8201451 $399,238.95 5.970% 0.5000% $1,996.19
8202051 $335,000.00 5.970% 0.5000% $1,675.00
8202133 $415,595.67 5.845% 2.5833% $10,736.22
8202183 $345,262.17 5.845% 2.5833% $8,919.27
8202597 $550,000.00 5.970% 0.5000% $2,750.00
8202857 $399,500.00 5.970% 0.5000% $1,997.50
8202863 $364,000.00 5.845% 2.5833% $9,403.33
8202925 $347,800.00 5.845% 2.5833% $8,984.83
8203019 $171,000.00 5.845% 2.5833% $4,417.50
8203067 $428,000.00 5.970% 0.5000% $2,140.00
8203741 $189,915.23 5.845% 2.5833% $4,906.14
8204217 $923,000.00 5.970% 0.5000% $4,615.00
8204889 $535,990.95 5.970% 0.5000% $2,679.95
8206317 $599,416.83 5.845% 2.5833% $15,484.93
8206321 $371,000.00 5.970% 0.5000% $1,855.00
8206505 $999,028.06 5.845% 2.5833% $25,808.22
8206807 $469,000.00 5.970% 0.5000% $2,345.00
8206977 $125,300.00 5.970% 0.5000% $626.50
8206987 $378,000.00 5.970% 0.5000% $1,890.00
8206991 $324,900.00 5.970% 0.5000% $1,624.50
8207039 $371,000.00 5.970% 0.5000% $1,855.00
8207043 $375,000.00 5.970% 0.5000% $1,875.00
8207077 $770,000.00 5.970% 0.5000% $3,850.00
8207085 $360,000.00 5.970% 0.5000% $1,800.00
8207173 $349,000.00 5.970% 0.5000% $1,745.00
8207203 $346,900.00 5.720% 4.6667% $16,188.67
8207205 $392,500.00 5.970% 0.5000% $1,962.50
8207283 $216,700.00 5.970% 0.5000% $1,083.50
8207359 $234,000.00 5.970% 0.5000% $1,170.00
8207415 $227,350.00 5.720% 4.6667% $10,609.67
8207637 $479,533.46 5.845% 2.5833% $12,387.95
8207823 $359,658.42 5.970% 0.5000% $1,798.29
8207953 $209,800.74 5.970% 0.5000% $1,049.00
8208065 $452,000.00 5.970% 0.5000% $2,260.00
8208455 $84,919.35 5.970% 0.5000% $424.60
8208815 $317,698.27 5.970% 0.5000% $1,588.49
8208851 $355,154.47 5.845% 2.5833% $9,174.82
8208871 $499,525.17 5.970% 0.5000% $2,497.63
8208875 $323,692.58 5.970% 0.5000% $1,618.46
8208879 $534,492.37 5.970% 0.5000% $2,672.46
8208935 $307,400.64 5.845% 2.5833% $7,941.18
8208959 $649,383.26 5.970% 0.5000% $3,246.92
8208981 $472,540.27 5.845% 2.5833% $12,207.29
8209037 $574,454.42 5.970% 0.5000% $2,872.27
8209045 $554,473.39 5.970% 0.5000% $2,772.37
8209049 $646,185.34 5.970% 0.5000% $3,230.93
8209075 $479,544.56 5.970% 0.5000% $2,397.72
8209079 $499,423.39 5.845% 2.5833% $12,901.77
8209087 $484,539.81 5.970% 0.5000% $2,422.70
8209733 $475,000.00 5.970% 0.5000% $2,375.00
Thursday, December 26, 2002 Page 4 of 7
8210081 $358,000.00 5.970% 0.5000% $1,790.00
8210117 $380,000.00 5.970% 0.5000% $1,900.00
8210139 $552,000.00 5.845% 2.5833% $14,260.00
8211029 $379,630.66 5.845% 2.5833% $9,807.13
8211035 $407,593.83 5.720% 4.6667% $19,021.05
8211039 $384,000.00 5.720% 4.6667% $17,920.00
8211113 $381,637.54 5.970% 0.5000% $1,908.19
8211413 $516,000.00 5.970% 0.5000% $2,580.00
8211923 $350,000.00 5.970% 0.5000% $1,750.00
8211929 $321,000.00 5.970% 0.5000% $1,605.00
8213381 $370,000.00 5.970% 0.5000% $1,850.00
8213619 $595,000.00 5.720% 4.6667% $27,766.67
8214961 $378,400.00 5.970% 0.5000% $1,892.00
8215003 $399,999.00 5.970% 0.5000% $2,000.00
8215161 $505,000.00 5.970% 0.5000% $2,525.00
8215505 $152,800.00 5.970% 0.5000% $764.00
8216777 $310,500.00 5.970% 0.5000% $1,552.50
8218113 $486,000.00 5.970% 0.5000% $2,430.00
8218203 $470,000.00 5.970% 0.5000% $2,350.00
8218351 $517,000.00 5.970% 0.5000% $2,585.00
8218771 $192,500.00 5.970% 0.5000% $962.50
8219137 $172,000.00 5.845% 2.5833% $4,443.33
8221223 $273,200.00 5.970% 0.5000% $1,366.00
8221421 $486,500.00 5.970% 0.5000% $2,432.50
8221453 $831,500.00 5.720% 4.6667% $38,803.33
8221893 $481,000.00 5.970% 0.5000% $2,405.00
8221901 $525,000.00 5.970% 0.5000% $2,625.00
8222053 $931,900.00 5.720% 4.6667% $43,488.67
8222097 $635,000.00 5.845% 2.5833% $16,404.17
8222125 $488,624.62 5.845% 2.5833% $12,622.80
8222161 $623,393.50 5.845% 2.5833% $16,104.33
8222209 $589,440.18 5.970% 0.5000% $2,947.20
8222497 $420,000.00 5.970% 0.5000% $2,100.00
8222651 $479,500.00 5.970% 0.5000% $2,397.50
8222873 $288,000.00 5.970% 0.5000% $1,440.00
8222907 $527,873.98 5.720% 4.6667% $24,634.12
8222943 $496,539.68 5.970% 0.5000% $2,482.70
8222955 $529,896.73 5.970% 0.5000% $2,649.48
8222977 $568,485.61 5.970% 0.5000% $2,842.43
8222981 $479,544.55 5.970% 0.5000% $2,397.72
8222987 $629,430.47 5.970% 0.5000% $3,147.15
8222993 $320,709.81 5.970% 0.5000% $1,603.55
8223005 $491,108.03 5.970% 0.5000% $2,455.54
8223013 $479,066.52 5.970% 0.5000% $2,395.33
8223019 $523,026.73 5.970% 0.5000% $2,615.13
8223031 $473,466.96 5.970% 0.5000% $2,367.33
8223041 $481,108.33 5.970% 0.5000% $2,405.54
8223063 $516,521.15 5.970% 0.5000% $2,582.61
8223079 $520,867.12 5.970% 0.5000% $2,604.34
8223095 $520,000.00 5.970% 0.5000% $2,600.00
8223099 $499,525.58 5.970% 0.5000% $2,497.63
8223123 $499,547.99 5.970% 0.5000% $2,497.74
8223371 $588,000.00 5.845% 2.5833% $15,190.00
8223711 $230,900.00 5.970% 0.5000% $1,154.50
8223881 $114,500.00 5.970% 0.5000% $572.50
8223959 $560,000.00 5.845% 2.5833% $14,466.67
8223961 $109,000.00 5.845% 2.5833% $2,815.83
Thursday, December 26, 2002 Page 5 of 7
8224055 $398,000.00 5.970% 0.5000% $1,990.00
8224135 $167,000.00 5.970% 0.5000% $835.00
8225379 $330,785.84 5.970% 0.5000% $1,653.93
8225771 $288,750.00 5.970% 0.5000% $1,443.75
8226971 $523,000.00 5.970% 0.5000% $2,615.00
8227975 $345,000.00 5.845% 2.5833% $8,912.50
8228005 $1,000,000.00 5.720% 4.6667% $46,666.67
8228009 $400,000.00 5.970% 0.5000% $2,000.00
8229333 $126,400.00 5.970% 0.5000% $632.00
8229499 $485,000.00 5.970% 0.5000% $2,425.00
8229609 $357,000.00 5.970% 0.5000% $1,785.00
8230295 $333,000.00 5.970% 0.5000% $1,665.00
8230321 $480,000.00 5.720% 4.6667% $22,400.00
8230397 $322,000.00 5.845% 2.5833% $8,318.33
8230399 $315,000.00 5.970% 0.5000% $1,575.00
8230403 $500,000.00 5.845% 2.5833% $12,916.67
8230419 $480,000.00 5.970% 0.5000% $2,400.00
8230447 $566,350.00 5.970% 0.5000% $2,831.75
8230459 $484,000.00 5.970% 0.5000% $2,420.00
8230499 $477,500.00 5.970% 0.5000% $2,387.50
8230507 $487,000.00 5.970% 0.5000% $2,435.00
8230585 $272,500.00 5.970% 0.5000% $1,362.50
8230637 $179,000.00 5.970% 0.5000% $895.00
8230645 $305,000.00 5.970% 0.5000% $1,525.00
8230895 $439,551.40 5.595% 6.7500% $29,669.72
8230953 $155,000.00 5.720% 4.6667% $7,233.33
8231183 $297,500.00 5.845% 2.5833% $7,685.42
8231243 $570,500.00 5.720% 4.6667% $26,623.33
8231261 $476,000.00 5.970% 0.5000% $2,380.00
8231379 $260,000.00 5.970% 0.5000% $1,300.00
8232353 $475,000.00 5.970% 0.5000% $2,375.00
8234275 $485,000.00 5.970% 0.5000% $2,425.00
8235005 $495,000.00 5.970% 0.5000% $2,475.00
8235023 $478,000.00 5.970% 0.5000% $2,390.00
8235139 $508,000.00 5.845% 2.5833% $13,123.33
8235311 $162,000.00 5.845% 2.5833% $4,185.00
8235339 $498,000.00 5.845% 2.5833% $12,865.00
8235415 $536,792.00 5.720% 4.6667% $25,050.29
8236673 $500,000.00 5.970% 0.5000% $2,500.00
8236741 $599,373.56 5.470% 8.8333% $52,944.66
8237273 $650,000.00 5.845% 2.5833% $16,791.67
8238079 $748,300.00 5.720% 4.6667% $34,920.67
8238669 $232,000.00 5.720% 4.6667% $10,826.67
8238779 $491,500.00 5.970% 0.5000% $2,457.50
8238861 $499,200.00 5.595% 6.7500% $33,696.00
8238999 $490,000.00 5.970% 0.5000% $2,450.00
8239065 $520,000.00 5.970% 0.5000% $2,600.00
8239075 $518,000.00 5.970% 0.5000% $2,590.00
8240119 $339,500.00 5.970% 0.5000% $1,697.50
8240189 $491,000.00 5.970% 0.5000% $2,455.00
8240209 $480,000.00 5.970% 0.5000% $2,400.00
8240221 $630,000.00 5.970% 0.5000% $3,150.00
8242827 $600,000.00 5.845% 2.5833% $15,500.00
8242895 $160,000.00 5.970% 0.5000% $800.00
8243063 $910,000.00 5.720% 4.6667% $42,466.67
8243065 $528,000.00 5.845% 2.5833% $13,640.00
8243111 $520,000.00 5.970% 0.5000% $2,600.00
Thursday, December 26, 2002 Page 6 of 7
8243123 $531,000.00 5.970% 0.5000% $2,655.00
8244487 $280,000.00 5.970% 0.5000% $1,400.00
8244499 $235,000.00 5.970% 0.5000% $1,175.00
8244547 $202,500.00 5.845% 2.5833% $5,231.25
8245585 $550,000.00 5.845% 2.5833% $14,208.33
8245805 $325,000.00 5.970% 0.5000% $1,625.00
8246023 $512,000.00 5.970% 0.5000% $2,560.00
8249271 $225,000.00 5.845% 2.5833% $5,812.50
8249499 $328,500.00 5.970% 0.5000% $1,642.50
8249633 $244,000.00 5.970% 0.5000% $1,220.00
8250077 $325,000.00 5.970% 0.5000% $1,625.00
8253737 $180,000.00 5.720% 4.6667% $8,400.00
8253935 $240,000.00 5.845% 2.5833% $6,200.00
8253951 $555,000.00 5.720% 4.6667% $25,900.00
8253973 $705,000.00 5.970% 0.5000% $3,525.00
8256699 $490,000.00 5.720% 4.6667% $22,866.67
8258539 $483,000.00 5.970% 0.5000% $2,415.00
8266783 $161,100.00 5.845% 2.5833% $4,161.75
8331678 $368,649.87 5.970% 0.5000% $1,843.25
8332464 $487,137.34 5.970% 0.5000% $2,435.69
8332834 $390,629.01 5.970% 0.5000% $1,953.15
Thursday, December 26, 2002 Page 7 of 7
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EXHIBIT THREE
INFORMATION TO BE INCLUDED IN
MONTHLY DISTRIBUTION DATE STATEMENT
(i) (a) the amount of such distribution to the Certificateholders
of such Class applied to reduce the Certificate Principal Balance
thereof, and (b) the aggregate amount included therein representing
Principal Prepayments;
(ii) the amount of such distribution to Holders of such Class of
Certificates allocable to interest;
(iii) if the distribution to the Holders of such Class of
Certificates is less than the full amount that would be distributable to
such Holders if there were sufficient funds available therefor, the
amount of the shortfall;
(iv) the amount of any Advance by the Master Servicer pursuant to
Section 4.04;
(v) the number and Pool Stated Principal Balance of the Mortgage
Loans after giving effect to the distribution of principal on such
Distribution Date;
(vi) the aggregate Certificate Principal Balance of each Class of
Certificates and the Senior Percentage, after giving effect to the
amounts distributed on such Distribution Date, separately identifying
any reduction thereof due to Realized Losses other than pursuant to an
actual distribution of principal;
(vii) the related Subordinate Principal Distribution Amount and
Prepayment Distribution Percentage, if applicable;
(viii) on the basis of the most recent reports furnished to it by
Sub-Servicers, the number and aggregate principal balances of Mortgage
Loans that are Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or
more days and the number and aggregate principal balance of Mortgage
Loans that are in foreclosure;
(ix) the number, aggregate principal balance and book value of
any REO Properties;
(x) the aggregate Accrued Certificate Interest remaining unpaid,
if any, for each Class of Certificates, after giving effect to the
distribution made on such Distribution Date;
(xi) the Special Hazard Amount, Fraud Loss Amount and Bankruptcy
Amount as of the close of business on such Distribution Date and a
description of any change in the calculation of such amounts;
-1-
(xii) the weighted average Pool Strip Rate for such Distribution
Date, the Pass- Through Rate with respect to the Adjustable Rate
Certificates and the Class A-V Certificates and each Subclass, if any,
thereof;
(xiii) the Notional Amount with respect to each class of Interest
Only Certificates and each Subclass Notional Amount;
(xiv) the occurrence of the Credit Support Depletion Date;
(xv) the related Senior Accelerated Distribution Percentage
applicable to such distribution;
(xvi) the related Senior Percentage for such Distribution Date;
(xvii) the aggregate amount of Realized Losses for such
Distribution Date;
(xviii)the aggregate amount of any recoveries on previously
foreclosed loans from Sellers due to a breach of representation or
warranty assigned to the Trustee pursuant to Section 2.04;
(xix) the weighted average remaining term to maturity of the
Mortgage Loans after giving effect to the amounts distributed on such
Distribution Date; and
(xx) the weighted average Mortgage Rates of the Mortgage Loans
after giving effect to the amounts distributed on such Distribution
Date.
The Trustee's internet website will initially be located at
xxxxx://xxx.xxxxxxxxxxxxxx.xx.xxx/xxxx. To receive this statement via first
class mail, telephone the Trustee at (000) 000-0000.
-2-
EXHIBIT FOUR
STANDARD TERMS OF POOLING AND SERVICING
AGREEMENT DATED AS OF AUGUST 1, 2002
EXECUTION COPY
-------------------------------------------------------------------------------
STANDARD TERMS OF
POOLING AND SERVICING AGREEMENT
Dated as of August 1, 2002
Residential Funding Mortgage Securities I, Inc.
Mortgage Pass-Through Certificates
-------------------------------------------------------------------------------
TABLE OF CONTENTS
PAGE
ARTICLE I
DEFINITIONS
Section 1.01 Definitions............................................................1
Section 1.02 Use of Words and Phrases..............................................30
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans..........................................30
Section 2.02 Acceptance by Trustee.................................................36
Section 2.03 Representations, Warranties and Covenants of the Master Servicer and the
Company...............................................................38
Section 2.04 Representations and Warranties of Sellers.............................39
Section 2.05 Execution and Authentication of Certificates/Issuance of Certificates
Evidencing Interests in REMIC I.......................................41
Section 2.06 Conveyance of Uncertificated REMIC I and REMIC II Regular Interests;
Acceptance by the Trustee.............................................41
Section 2.07 Issuance of Certificates Evidencing Interests in REMIC II.............41
Section 2.08 Purposes and Powers of the Trust......................................42
ARTICLE III
ADMINISTRATION AND SERVICING
OF MORTGAGE LOANS
Section 3.01 Master Servicer to Act as Servicer....................................42
Section 3.02 Subservicing Agreements Between Master Servicer and Subservicers;
Enforcement of Subservicers' and Sellers' Obligations.................44
Section 3.03 Successor Subservicers................................................45
Section 3.04 Liability of the Master Servicer......................................45
Section 3.05 No Contractual Relationship Between Subservicer and Trustee or
Certificateholders....................................................45
Section 3.06 Assumption or Termination of Subservicing Agreements by Trustee.......46
Section 3.07 Collection of Certain Mortgage Loan Payments; Deposits to Custodial
Account...............................................................46
Section 3.08 Subservicing Accounts; Servicing Accounts.............................48
Section 3.09 Access to Certain Documentation and Information Regarding the Mortgage
Loans.................................................................50
Section 3.10 Permitted Withdrawals from the Custodial Account......................50
Section 3.11 Maintenance of the Primary Insurance Policies; Collections Thereunder
.....................................................................52
i
Section 3.12 Maintenance of Fire Insurance and Omissions and Fidelity Coverage.....53
Section 3.13 Enforcement of Due-on-Sale Clauses; Assumption and Modification
Agreements; Certain Assignments.......................................54
Section 3.14 Realization Upon Defaulted Mortgage Loans.............................56
Section 3.15 Trustee to Cooperate; Release of Mortgage Files.......................60
Section 3.16 Servicing and Other Compensation; Compensating Interest...............61
Section 3.17 Reports to the Trustee and the Company................................62
Section 3.18 Annual Statement as to Compliance.....................................62
Section 3.19 Annual Independent Public Accountants' Servicing Report...............62
Section 3.20 Rights of the Company in Respect of the Master Servicer...............63
Section 3.21 Administration of Buydown Funds.......................................63
ARTICLE IV
PAYMENTS TO CERTIFICATEHOLDERS
Section 4.01 Certificate Account...................................................64
Section 4.02 Distributions.........................................................65
Section 4.03 Statements to Certificateholders......................................65
Section 4.04 Distribution of Reports to the Trustee and the Company; Advances by the
Master Servicer.......................................................66
Section 4.05 Allocation of Realized Losses.........................................67
Section 4.06 Reports of Foreclosures and Abandonment of Mortgaged Property.........67
Section 4.07 Optional Purchase of Defaulted Mortgage Loans.........................67
Section 4.08 Surety Bond...........................................................68
ARTICLE V
THE CERTIFICATES
Section 5.01 The Certificates......................................................68
Section 5.02 Registration of Transfer and Exchange of Certificates.................70
Section 5.03 Mutilated, Destroyed, Lost or Stolen Certificates.....................76
Section 5.04 Persons Deemed Owners.................................................76
Section 5.05 Appointment of Paying Agent...........................................76
ARTICLE VI
THE COMPANY AND THE MASTER SERVICER
Section 6.01 Respective Liabilities of the Company and the Master Servicer.........78
Section 6.02 Merger or Consolidation of the Company or the Master Servicer; Assignment
of Rights and Delegation of Duties by Master Servicer.................78
Section 6.03 Limitation on Liability of the Company, the Master Servicer and Others
......................................................................79
Section 6.04 Company and Master Servicer Not to Resign.............................80
ARTICLE VII
ii
DEFAULT
Section 7.01 Events of Default.....................................................80
Section 7.02 Trustee or Company to Act; Appointment of Successor...................82
Section 7.03 Notification to Certificateholders....................................83
Section 7.04 Waiver of Events of Default...........................................83
ARTICLE VIII
CONCERNING THE TRUSTEE
Section 8.01 Duties of Trustee.....................................................84
Section 8.02 Certain Matters Affecting the Trustee.................................85
Section 8.03 Trustee Not Liable for Certificates or Mortgage Loans.................87
Section 8.04 Trustee May Own Certificates..........................................87
Section 8.05 Master Servicer to Pay Trustee's Fees and Expenses; Indemnification...87
Section 8.06 Eligibility Requirements for Trustee..................................88
Section 8.07 Resignation and Removal of the Trustee................................89
Section 8.08 Successor Trustee.....................................................90
Section 8.09 Merger or Consolidation of Trustee....................................90
Section 8.10 Appointment of Co-Trustee or Separate Trustee.........................90
Section 8.11 Appointment of Custodians.............................................91
Section 8.12 Appointment of Office or Agency.......................................92
ARTICLE IX
TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES
Section 9.01 Optional Purchase by the Master Servicer of All Certificates; Termination
Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans
.....................................................................92
Section 9.02 Additional Termination Requirements...................................95
Section 9.03 Termination of Multiple REMICs........................................96
ARTICLE X
REMIC PROVISIONS
Section 10.01 REMIC Administration..................................................96
Section 10.02 Master Servicer, REMIC Administrator and Trustee Indemnification
....................................................................100
Section 10.03 Designation of REMIC(s)..............................................100
ARTICLE XI
MISCELLANEOUS PROVISIONS
Section 11.01 Amendment............................................................101
Section 11.02 Recordation of Agreement; Counterparts...............................103
Section 11.03 Limitation on Rights of Certificateholders...........................104
Section 11.04 Governing Law........................................................104
iii
Section 11.05 Notices..............................................................104
Section 11.06 Required Notices to Rating Agency and Subservicer....................105
Section 11.07 Severability of Provisions...........................................105
Section 11.08 Supplemental Provisions for Resecuritization.........................106
Section 11.09 Allocation of Voting Rights..........................................106
EXHIBITS
Exhibit A: Form of Class A Certificate
Exhibit B: Form of Class M Certificate
Exhibit C: Form of Class B Certificate
Exhibit D: Form of Class R Certificate
Exhibit E: Form of Seller/Servicer Contract
Exhibit F: Forms of Request for Release
Exhibit G-1: Form of Transfer Affidavit and Agreement
Exhibit G-2: Form of Transferor Certificate
Exhibit H: Form of Investor Representation Letter
Exhibit I: Form of Transferor Representation Letter
Exhibit J: Form of Rule 144A Investment Representation Letter
Exhibit K: Text of Amendment to Pooling and Servicing Agreement Pursuant
to Section 11.01(e) for a Limited Guaranty
Exhibit L: Form of Limited Guaranty
Exhibit M: Form of Lender Certification for Assignment of Mortgage Loan
Exhibit N: Request for Exchange Form
iv
This is the Standard Terms of Pooling and Servicing Agreement, dated as
of August 1, 2002 (the "Standard Terms", and as incorporated by reference into a
Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing
Agreement" or "Agreement"), among RESIDENTIAL FUNDING MORTGAGE SECURITIES I,
INC., as the company (together with its permitted successors and assigns, the
"Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with
its permitted successors and assigns, the "Master Servicer"), and the trustee
named in the applicable Series Supplement (together with its permitted
successors and assigns, the "Trustee").
PRELIMINARY STATEMENT:
The Company intends to sell certain mortgage pass-through certificates
(collectively, the "Certificates"), to be issued under the Agreement in multiple
classes, which in the aggregate will evidence the entire beneficial ownership
interest in the Mortgage Loans.
In consideration of the mutual agreements herein contained, the Company,
the Master Servicer and the Trustee agree as follows:
ARTICLE I
DEFINITIONS
Section 1.01 Definitions.
-----------
Whenever used in this Agreement, the following words and phrases, unless
the context otherwise requires, shall have the meanings specified in this
Article.
Accretion Termination Date: As defined in the Series Supplement.
--------------------------
Accrual Certificates: As defined in the Series Supplement.
--------------------
Accrued Certificate Interest: With respect to each Distribution Date, as
to any Class or Subclass of Certificates (other than any Principal Only
Certificates), interest accrued during the related Interest Accrual Period at
the related Pass-Through Rate on the Certificate Principal Balance or Notional
Amount thereof immediately prior to such Distribution Date. Accrued Certificate
Interest will be calculated on the basis of a 360-day year, consisting of twelve
30-day months. In each case Accrued Certificate Interest on any Class or
Subclass of Certificates will be reduced by the amount of:
(i) Prepayment Interest Shortfalls on all Mortgage Loans or, if the
Mortgage Pool is comprised of two or more Loan Groups, on the
Mortgage Loans in the related Loan Group (to the extent not
offset by the Master Servicer with a payment of Compensating
Interest as provided in Section 4.01),
(ii) the interest portion (adjusted to the Net Mortgage Rate (or the
Modified Net Mortgage Rate in the case of a Modified Mortgage
Loan)) of Realized Losses on all Mortgage Loans or, if the
Mortgage Pool is comprised of two or more Loan Groups, on the
Mortgage Loans in the related Loan Group (including Excess
Special Hazard
1
Losses, Excess Fraud Losses, Excess Bankruptcy Losses and
Extraordinary Losses) not allocated solely to one or more
specific Classes of Certificates pursuant to Section 4.05,
(iii) the interest portion of Advances that were (A) previously made
with respect to a Mortgage Loan or REO Property on all Mortgage
Loans or, if the Mortgage Pool is comprised of two or more Loan
Groups, on the Mortgage Loans in the related Loan Group, which
remained unreimbursed following the Cash Liquidation or REO
Disposition of such Mortgage Loan or REO Property or (B) made
with respect to delinquencies that were ultimately determined to
be Excess Special Hazard Losses, Excess Fraud Losses, Excess
Bankruptcy Losses or Extraordinary Losses, and
(iv) any other interest shortfalls not covered by the subordination
provided by the Class M Certificates and Class B Certificates,
including interest that is not collectible from the Mortgagor
pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940,
as amended, or similar legislation or regulations as in effect
from time to time,
with all such reductions allocated (A) among all of the Certificates in
proportion to their respective amounts of Accrued Certificate Interest payable
on such Distribution Date absent such reductions or (B) if the Mortgage Pool is
comprised of two or more Loan Groups, the related Senior Percentage of such
reductions among the related Senior Certificates in proportion to the amounts of
Accrued Certificate Interest payable from the related Loan Group on such
Distribution Date absent such reductions, with the remainder of such reductions
allocated among the holders of the Class M Certificates and Class B Certificates
in proportion to their respective amounts of Accrued Certificate Interest
payable on such Distribution Date absent such reductions. In addition to that
portion of the reductions described in the preceding sentence that are allocated
to any Class of Class B Certificates or any Class of Class M Certificates,
Accrued Certificate Interest on such Class of Class B Certificates or such Class
of Class M Certificates will be reduced by the interest portion (adjusted to the
Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of
Class B Certificates or such Class of Class M Certificates pursuant to Section
4.05.
Addendum and Assignment Agreement: The Addendum and Assignment Agreement,
dated as of January 31, 1995, between MLCC and the Master Servicer.
Additional Collateral: Any of the following held, in addition to the
related Mortgaged Property, as security for a Mortgage Loan: (i) all money,
securities, security entitlements, accounts, general intangibles, payment
rights, instruments, documents, deposit accounts, certificates of deposit,
commodities contracts and other investment property and other property of
whatever kind or description now existing or hereafter acquired which is pledged
as security for the repayment of such Mortgage Loan, (ii) third-party
guarantees, and (A) all money, securities, security entitlements, accounts,
general intangibles, payment rights, instruments, documents, deposit accounts,
certificates of deposit, commodities contracts and other investment property and
other property of whatever kind or description now existing or hereafter
acquired which is pledged as collateral for such guarantee or (B) any mortgaged
property securing the performance of such guarantee, or (iii) such other
collateral as may be set forth in the Series Supplement.
2
Additional Collateral Loan: Each Mortgage Loan that is supported by
Additional Collateral.
Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date
of determination, the Mortgage Rate borne by the related Mortgage Note, less the
rate at which the related Subservicing Fee accrues.
Advance: As to any Mortgage Loan, any advance made by the Master Servicer,
pursuant to Section 4.04.
Affiliate: With respect to any Person, any other Person controlling,
controlled by or under common control with such first Person. For the purposes
of this definition, "control" means the power to direct the management and
policies of such Person, directly or indirectly, whether through the ownership
of voting securities, by contract or otherwise; and the terms "controlling" and
"controlled" have meanings correlative to the foregoing.
Ambac: Ambac Assurance Corporation (formerly known as AMBAC Indemnity
Corporation).
Amount Held for Future Distribution: As to any Distribution Date and,
with respect to any Mortgage Pool that is comprised of two or more Loan Groups,
each Loan Group, the total of the amounts held in the Custodial Account at the
close of business on the preceding Determination Date on account of (i)
Liquidation Proceeds, Subsequent Recoveries, Insurance Proceeds, Curtailments,
Mortgage Loan purchases made pursuant to Section 2.02, 2.03, 2.04 or 4.07 and
Mortgage Loan substitutions made pursuant to Section 2.03 or 2.04 received or
made in the month of such Distribution Date (other than such Liquidation
Proceeds, Insurance Proceeds and purchases of Mortgage Loans that the Master
Servicer has deemed to have been received in the preceding month in accordance
with Section 3.07(b)), and Principal Prepayments in Full made after the related
Prepayment Period, and (ii) payments which represent early receipt of scheduled
payments of principal and interest due on a date or dates subsequent to the
related Due Date.
Appraised Value: As to any Mortgaged Property, the lesser of (i) the
appraised value of such Mortgaged Property based upon the appraisal made at the
time of the origination of the related Mortgage Loan, and (ii) the sales price
of the Mortgaged Property at such time of origination, except in the case of a
Mortgaged Property securing a refinanced or modified Mortgage Loan as to which
it is either the appraised value determined above or the appraised value
determined in an appraisal at the time of refinancing or modification, as the
case may be.
Assigned Contracts: With respect to any Pledged Asset Loan: the Credit
Support Pledge Agreement; the Funding and Pledge Agreement, among GMAC Mortgage
Corporation, National Financial Services Corporation and the Mortgagor or other
person pledging the related Pledged Assets; the Additional Collateral Agreement,
between GMAC Mortgage Corporation and the Mortgagor or other person pledging the
related Pledged Assets; or such other contracts as may be set forth in the
Series Supplement.
Assignment: An assignment of the Mortgage, notice of transfer or equivalent
instrument, in recordable form, sufficient under the laws of the jurisdiction
wherein the related Mortgaged Property
3
is located to reflect of record the sale of the Mortgage Loan to the Trustee for
the benefit of Certificateholders, which assignment, notice of transfer or
equivalent instrument may be in the form of one or more blanket assignments
covering Mortgages secured by Mortgaged Properties located in the same county,
if permitted by law and accompanied by an Opinion of Counsel to that effect.
Assignment Agreement: The Assignment and Assumption Agreement, dated the
Closing Date, between Residential Funding and the Company relating to the
transfer and assignment of the Mortgage Loans.
Assignment of Proprietary Lease: With respect to a Cooperative Loan, the
assignment of the related Cooperative Lease from the Mortgagor to the originator
of the Cooperative Loan.
Available Distribution Amount: As to any Distribution Date and, with
respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan
Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage
Loans on deposit in the Custodial Account as of the close of business on the
immediately preceding Determination Date, including any Subsequent Recoveries,
and amounts deposited in the Custodial Account in connection with the
substitution of Qualified Substitute Mortgage Loans, (ii) the amount of any
Advance made on the immediately preceding Certificate Account Deposit Date,
(iii) any amount deposited in the Certificate Account on the related Certificate
Account Deposit Date pursuant to the second paragraph of Section 3.12(a), (iv)
any amount deposited in the Certificate Account pursuant to Section 4.07, (v)
any amount that the Master Servicer is not permitted to withdraw from the
Custodial Account or the Certificate Account pursuant to Section 3.16(e), (vi)
any amount received by the Trustee pursuant to the Surety Bond in respect of
such Distribution Date and (vii) the proceeds of any Pledged Assets received by
the Master Servicer, reduced by (b) the sum as of the close of business on the
immediately preceding Determination Date of (x) the Amount Held for Future
Distribution, and (y) amounts permitted to be withdrawn by the Master Servicer
from the Custodial Account in respect of the Mortgage Loans pursuant to clauses
(ii)-(x), inclusive, of Section 3.10(a). Such amount shall be determined
separately for each Loan Group. Additionally, with respect to any Mortgage Pool
that is comprised of two or more Loan Groups, if on any Distribution Date
Compensating Interest provided pursuant to Section 3.16(e) is less than
Prepayment Interest Shortfalls incurred on the Mortgage Loans in connection with
Principal Prepayments in Full received during the related Prepayment Period and
Curtailments made in the prior calendar month, such Compensating Interest shall
be allocated on such Distribution Date to the Available Distribution Amount for
each Loan Group on a pro rata basis in accordance with the respective amounts of
such Prepayment Interest Shortfalls incurred on the Mortgage Loans in such Loan
Group in respect of such Distribution Date.
Bankruptcy Code: The Bankruptcy Code of 1978, as amended.
---------------
Bankruptcy Loss: With respect to any Mortgage Loan, a Deficient
Valuation or Debt Service Reduction; provided, however, that neither a Deficient
Valuation nor a Debt Service Reduction shall be deemed a Bankruptcy Loss
hereunder so long as the Master Servicer has notified the Trustee in writing
that the Master Servicer is diligently pursuing any remedies that may exist in
connection with the representations and warranties made regarding the related
Mortgage Loan and either (A) the related Mortgage Loan is not in default with
regard to payments due thereunder or (B) delinquent payments of principal and
interest under the related Mortgage Loan and any premiums on any
4
applicable primary hazard insurance policy and any related escrow payments in
respect of such Mortgage Loan are being advanced on a current basis by the
Master Servicer or a Subservicer, in either case without giving effect to any
Debt Service Reduction.
Book-Entry Certificate: Any Certificate registered in the name of the
Depository or its nominee, and designated as such in the Preliminary Statement
to the Series Supplement.
Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a
day on which banking institutions in the State of New York, the State of
Michigan, the State of California or the State of Illinois (and such other state
or states in which the Custodial Account or the Certificate Account are at the
time located) are required or authorized by law or executive order to be closed.
Buydown Funds: Any amount contributed by the seller of a Mortgaged
Property, the Company or other source in order to enable the Mortgagor to reduce
the payments required to be made from the Mortgagor's funds in the early years
of a Mortgage Loan. Buydown Funds are not part of the Trust Fund prior to
deposit into the Custodial or Certificate Account.
Buydown Mortgage Loan: Any Mortgage Loan as to which a specified amount
of interest is paid out of related Buydown Funds in accordance with a related
buydown agreement.
Cash Liquidation: As to any defaulted Mortgage Loan other than a
Mortgage Loan as to which an REO Acquisition occurred, a determination by the
Master Servicer that it has received all Insurance Proceeds, Liquidation
Proceeds and other payments or cash recoveries which the Master Servicer
reasonably and in good faith expects to be finally recoverable with respect to
such Mortgage Loan.
Certificate Account Deposit Date: As to any Distribution Date, the Business
Day prior thereto.
Certificateholder or Holder: The Person in whose name a Certificate is
registered in the Certificate Register, and, in respect of any Insured
Certificates, the Certificate Insurer to the extent of Cumulative Insurance
Payments, except that neither a Disqualified Organization nor a Non-United
States Person shall be a holder of a Class R Certificate for purposes hereof
and, solely for the purpose of giving any consent or direction pursuant to this
Agreement, any Certificate, other than a Class R Certificate, registered in the
name of the Company, the Master Servicer or any Subservicer or any Affiliate
thereof shall be deemed not to be outstanding and the Percentage Interest or
Voting Rights evidenced thereby shall not be taken into account in determining
whether the requisite amount of Percentage Interests or Voting Rights necessary
to effect any such consent or direction has been obtained. All references herein
to "Holders" or "Certificateholders" shall reflect the rights of Certificate
Owners as they may indirectly exercise such rights through the Depository and
participating members thereof, except as otherwise specified herein; provided,
however, that the Trustee shall be required to recognize as a "Holder" or
"Certificateholder" only the Person in whose name a Certificate is registered in
the Certificate Register.
Certificate Insurer: As defined in the Series Supplement.
5
Certificate Owner: With respect to a Book-Entry Certificate, the Person
who is the beneficial owner of such Certificate, as reflected on the books of an
indirect participating brokerage firm for which a Depository Participant acts as
agent, if any, and otherwise on the books of a Depository Participant, if any,
and otherwise on the books of the Depository.
Certificate Principal Balance: With respect to each Certificate (other than
any Interest Only Certificate), on any date of determination, an amount equal
to:
(i) the Initial Certificate Principal Balance of such Certificate as
specified on the face thereof, plus
(ii) any Subsequent Recoveries added to the Certificate Principal
Balance of such Certificate pursuant to Section 4.02, plus
(iii) in the case of each Accrual Certificate, an amount equal to the
aggregate Accrued Certificate Interest added to the Certificate
Principal Balance thereof prior to such date of determination,
minus
(iv) the sum of (x) the aggregate of all amounts previously
distributed with respect to such Certificate (or any predecessor
Certificate) and applied to reduce the Certificate Principal
Balance thereof pursuant to Section 4.02(a) and (y) the aggregate
of all reductions in Certificate Principal Balance deemed to have
occurred in connection with Realized Losses which were previously
allocated to such Certificate (or any predecessor Certificate)
pursuant to Section 4.05;
provided, that the Certificate Principal Balance of the Class of Subordinate
Certificates with the Lowest Priority at any given time shall be further reduced
by an amount equal to the Percentage Interest evidenced by such Certificate
multiplied by the excess, if any, of (A) the then aggregate Certificate
Principal Balance of all Classes of Certificates then outstanding over (B) the
then aggregate Stated Principal Balance of the Mortgage Loans.
Certificate Register and Certificate Registrar: The register maintained and
the registrar appointed pursuant to Section 5.02.
Class: Collectively, all of the Certificates bearing the same
designation. The initial Class A-V Certificates and any Subclass thereof issued
pursuant to Section 5.01(c) shall be a single Class for purposes of this
Agreement.
Class A-P Certificate: Any one of the Certificates designated as a Class
A-P Certificate.
Class A-P Collection Shortfall: With respect to the Cash Liquidation or
REO Disposition of a Discount Mortgage Loan and any Distribution Date, the
excess of the amount described in Section 4.02(b)(i)(C)(1) over the amount
described in Section 4.02(b)(i)(C)(2).
Class A-P Principal Distribution Amount: As defined in Section 4.02.
---------------------------------------
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Class A-V Certificate: Any one of the Certificates designated as a Class
A-V Certificate, including any Subclass thereof.
Class B Certificate: Any one of the Certificates designated as a Class
B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate.
Class M Certificate: Any one of the Certificates designated as a Class
M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate.
Closing Date: As defined in the Series Supplement.
Code: The Internal Revenue Code of 1986.
Combined Collateral LLC: Combined Collateral LLC, a Delaware limited
liability company.
Compensating Interest: With respect to any Distribution Date, an amount
equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in
Full during the related Prepayment Period and Curtailments during the prior
calendar month and included in the Available Distribution Amount for such
Distribution Date, but not more than the lesser of (a) one-twelfth of 0.125% of
the Stated Principal Balance of the Mortgage Loans immediately preceding such
Distribution Date and (b) the sum of the Servicing Fee and all income and gain
on amounts held in the Custodial Account and the Certificate Account and payable
to the Certificateholders with respect to such Distribution Date; provided that
for purposes of this definition the amount of the Servicing Fee will not be
reduced pursuant to Section 7.02 except as may be required pursuant to the last
sentence of such Section.
Cooperative: A private, cooperative housing corporation which owns or
leases land and all or part of a building or buildings, including apartments,
spaces used for commercial purposes and common areas therein and whose board of
directors authorizes, among other things, the sale of Cooperative Stock.
Cooperative Apartment: A dwelling unit in a multi-dwelling building
owned or leased by a Cooperative, which unit the Mortgagor has an exclusive
right to occupy pursuant to the terms of a proprietary lease or occupancy
agreement.
Cooperative Lease: With respect to a Cooperative Loan, the proprietary
lease or occupancy agreement with respect to the Cooperative Apartment occupied
by the Mortgagor and relating to the related Cooperative Stock, which lease or
agreement confers an exclusive right to the holder of such Cooperative Stock to
occupy such apartment.
Cooperative Loans: Any of the Mortgage Loans made in respect of a
Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a
Security Agreement, (ii) the related Cooperative Stock Certificate, (iii) an
assignment of the Cooperative Lease, (iv) financing statements and (v) a stock
power (or other similar instrument), and ancillary thereto, a recognition
agreement between the Cooperative and the originator of the Cooperative Loan,
each of which was transferred
7
and assigned to the Trustee pursuant to Section 2.01 and are from time to time
held as part of the Trust Fund.
Cooperative Stock: With respect to a Cooperative Loan, the single
outstanding class of stock, partnership interest or other ownership instrument
in the related Cooperative.
Cooperative Stock Certificate: With respect to a Cooperative Loan, the
stock certificate or other instrument evidencing the related Cooperative Stock.
Credit Support Depletion Date: The first Distribution Date on which the
Certificate Principal Balances of the Subordinate Certificates have been reduced
to zero.
Credit Support Pledge Agreement: The Credit Support Pledge Agreement,
dated as of November 24, 1998, among the Master Servicer, GMAC Mortgage
Corporation, Combined Collateral LLC and The First National Bank of Chicago (now
known as Bank One, National Association), as custodian.
Cumulative Insurance Payments: As defined in the Series Supplement.
Curtailment: Any Principal Prepayment made by a Mortgagor which is not a
Principal Prepayment in Full.
Custodial Account: The custodial account or accounts created and
maintained pursuant to Section 3.07 in the name of a depository institution, as
custodian for the holders of the Certificates, for the holders of certain other
interests in mortgage loans serviced or sold by the Master Servicer and for the
Master Servicer, into which the amounts set forth in Section 3.07 shall be
deposited directly. Any such account or accounts shall be an Eligible Account.
Custodial Agreement: An agreement that may be entered into among the
Company, the Master Servicer, the Trustee and a Custodian pursuant to which the
Custodian will hold certain documents relating to the Mortgage Loans on behalf
of the Trustee.
Custodian: A custodian appointed pursuant to a Custodial Agreement.
Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid
principal balance thereof at the Cut-off Date after giving effect to all
installments of principal due on or prior thereto, whether or not received.
Debt Service Reduction: With respect to any Mortgage Loan, a reduction
in the scheduled Monthly Payment for such Mortgage Loan by a court of competent
jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction
constituting a Deficient Valuation or any reduction that results in a permanent
forgiveness of principal.
Deficient Valuation: With respect to any Mortgage Loan, a valuation by a
court of competent jurisdiction of the Mortgaged Property in an amount less than
the then outstanding indebtedness under the Mortgage Loan, or any reduction in
the amount of principal to be paid in connection with
8
any scheduled Monthly Payment that constitutes a permanent forgiveness of
principal, which valuation or reduction results from a proceeding under the
Bankruptcy Code.
Definitive Certificate: Any Certificate other than a Book-Entry
Certificate.
Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced with a
Qualified Substitute Mortgage Loan.
Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to
59 days" or "30 or more days" delinquent when a payment due on any scheduled due
date remains unpaid as of the close of business on the last business day
immediately prior to the next following monthly scheduled due date; "60 to 89
days" or "60 or more days" delinquent when a payment due on any scheduled due
date remains unpaid as of the close of business on the last business day
immediately prior to the second following monthly scheduled due date; and so on.
The determination as to whether a Mortgage Loan falls into these categories is
made as of the close of business on the last business day of each month. For
example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of
the close of business on July 31 would then be considered to be 30 to 59 days
delinquent. Delinquency information as of the Cut-off Date is determined and
prepared as of the close of business on the last business day immediately prior
to the Cut-off Date.
Depository: The Depository Trust Company, or any successor Depository
hereafter named. The nominee of the initial Depository for purposes of
registering those Certificates that are to be Book-Entry Certificates is Cede &
Co. The Depository shall at all times be a "clearing corporation" as defined in
Section 8-102(a)(5) of the Uniform Commercial Code of the State of New York and
a "clearing agency" registered pursuant to the provisions of Section 17A of the
Securities Exchange Act of 1934, as amended.
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.
Destroyed Mortgage Note: A Mortgage Note the original of which was
permanently lost or destroyed and has not been replaced.
Determination Date: As defined in the Series Supplement.
------------------
Discount Fraction: With respect to each Discount Mortgage Loan, the
fraction expressed as a percentage, the numerator of which is the Discount Net
Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with
respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified
pursuant to 3.07(a)) for such Mortgage Loan and the denominator of which is the
Discount Net Mortgage Rate. The Discount Fraction with respect to each Discount
Mortgage Loan is set forth as an exhibit attached to the Series Supplement.
Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or
the initial Net Mortgage Rate) of less than the Discount Net Mortgage Rate per
annum and any Mortgage Loan
9
deemed to be a Discount Mortgage Loan pursuant to the definition of Qualified
Substitute Mortgage Loan.
Discount Net Mortgage Rate: As defined in the Series Supplement.
Disqualified Organization: Any organization defined as a "disqualified
organization" under Section 860E(e)(5) of the Code, and if not otherwise
included, any of the following: (i) the United States, any State or political
subdivision thereof, any possession of the United States, or any agency or
instrumentality of any of the foregoing (other than an instrumentality which is
a corporation if all of its activities are subject to tax and, except for
Xxxxxxx Mac, a majority of its board of directors is not selected by such
governmental unit), (ii) a foreign government, any international organization,
or any agency or instrumentality of any of the foregoing, (iii) any organization
(other than certain farmers' cooperatives described in Section 521 of the Code)
which is exempt from the tax imposed by Chapter 1 of the Code (including the tax
imposed by Section 511 of the Code on unrelated business taxable income), (iv)
rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of
the Code, (v) any "electing large partnership," as defined in Section 775(a) of
the Code and (vi) any other Person so designated by the Trustee based upon an
Opinion of Counsel that the holding of an Ownership Interest in a Class R
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 a liability for any federal tax imposed under the Code that would not
otherwise be imposed but for the Transfer of an Ownership Interest in a Class R
Certificate to such Person. The terms "United States", "State" and
"international organization" shall have the meanings set forth in Section 7701
of the Code or successor provisions.
Distribution Date: The 25th day of any month beginning in the month
immediately following the month of the initial issuance of the Certificates or,
if such 25th day is not a Business Day, the Business Day immediately following
such 25th day.
Due Date: With respect to any Distribution Date and any Mortgage Loan, the
day during the belated Due Period on which the Monthly Payment is due.
Due Period: With respect to any Distribution Date, the one-month period set
forth in the Series Supplement.
Eligible Account: An account that is any of the following: (i)
maintained with a depository institution the debt obligations of which have been
rated by each Rating Agency in its highest rating available, or (ii) an account
or accounts in a depository institution in which such accounts are fully insured
to the limits established by the FDIC, provided that any deposits not so insured
shall, to the extent acceptable to each Rating Agency, as evidenced in writing,
be maintained such that (as evidenced by an Opinion of Counsel delivered to the
Trustee and each Rating Agency) the registered Holders of Certificates have a
claim with respect to the funds in such account or a perfected first security
interest against any collateral (which shall be limited to Permitted
Investments) securing such funds that is superior to claims of any other
depositors or creditors of the depository institution with which such account is
maintained, or (iii) in the case of the Custodial Account, a trust account or
accounts maintained in the corporate trust department of Bank One, National
Association, or (iv) in the case of the Certificate Account, a trust account or
accounts maintained in the corporate trust
10
division of the Trustee, or (v) an account or accounts of a depository
institution acceptable to each Rating Agency (as evidenced in writing by each
Rating Agency that use of any such account as the Custodial Account or the
Certificate Account will not reduce the rating assigned to any Class of
Certificates by such Rating Agency below the lower of the then-current rating or
the rating assigned to such Certificates as of the Closing Date by such Rating
Agency).
Event of Default: As defined in Section 7.01.
Excess Bankruptcy Loss: Any Bankruptcy Loss, or portion thereof, which
exceeds the then applicable Bankruptcy Amount.
Excess Fraud Loss: Any Fraud Loss, or portion thereof, which exceeds the
then applicable Fraud Loss Amount.
Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof,
that exceeds the then applicable Special Hazard Amount.
Excess Subordinate Principal Amount: With respect to any Distribution
Date on which the aggregate Certificate Principal Balance of the Class of
Subordinate Certificates then outstanding with the Lowest Priority is to be
reduced to zero and on which Realized Losses are to be allocated to such class
or classes, the excess, if any, of (i) the amount that would otherwise be
distributable in respect of principal on such class or classes of Certificates
on such Distribution Date over (ii) the excess, if any, of the aggregate
Certificate Principal Balance of such class or classes of Certificates
immediately prior to such Distribution Date over the aggregate amount of
Realized Losses to be allocated to such classes of Certificates on such
Distribution Date as reduced by any amount calculated pursuant to Section
4.02(b)(i)(E). With respect to any Mortgage Pool that is comprised of two or
more Loan Groups, the Excess Subordinate Principal Amount will be allocated
between each Loan Group on a pro rata basis in accordance with the amount of
Realized Losses attributable to each Loan Group and allocated to the
Certificates on such Distribution Date.
Extraordinary Events: Any of the following conditions with respect to a
Mortgaged Property (or, with respect to a Cooperative Loan, the Cooperative
Apartment) or Mortgage Loan causing or resulting in a loss which causes the
liquidation of such Mortgage Loan:
(a) losses that are of the type that would be covered by the fidelity
bond and the errors and omissions insurance policy required to be maintained
pursuant to Section 3.12(b) but are in excess of the coverage maintained
thereunder;
(b) nuclear reaction or nuclear radiation or radioactive contamination,
all whether controlled or uncontrolled, and whether such loss be direct or
indirect, proximate or remote or be in whole or in part caused by, contributed
to or aggravated by a peril covered by the definition of the term "Special
Hazard Loss";
(c) hostile or warlike action in time of peace or war, including action
in hindering, combating or defending against an actual, impending or expected
attack:
11
1. by any government or sovereign power, de jure or de facto, or by
any authority maintaining or using military, naval or air forces;
or
2. by military, naval or air forces; or
3. by an agent of any such government, power, authority or forces;
(d) any weapon of war employing atomic fission or radioactive force whether
in time of peace or war; or
(e) insurrection, rebellion, revolution, civil war, usurped power or
action taken by governmental authority in hindering, combating or defending
against such an occurrence, seizure or destruction under quarantine or customs
regulations, confiscation by order of any government or public authority; or
risks of contraband or illegal transportation or trade.
Extraordinary Losses: Any loss incurred on a Mortgage Loan caused by or
resulting from an Extraordinary Event.
Xxxxxx Xxx: Federal National Mortgage Association, a federally chartered
and privately owned corporation organized and existing under the Federal
National Mortgage Association Charter Act, or any successor thereto.
FASIT: A "financial asset securitization investment trust" within the
meaning of Section 860L of the Code.
FDIC: Federal Deposit Insurance Corporation or any successor thereto.
Final Distribution Date: The Distribution Date on which the final
distribution in respect of the Certificates will be made pursuant to Section
9.01, which Final Distribution Date shall in no event be later than the end of
the 90-day liquidation period described in Section 9.02.
Fitch: Fitch, Inc. or its successor in interest.
Foreclosure Profits: As to any Distribution Date or related
Determination Date and any Mortgage Loan, the excess, if any, of Liquidation
Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable
therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or
REO Property for which a Cash Liquidation or REO Disposition occurred in the
related Prepayment Period over the sum of the unpaid principal balance of such
Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in
accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage
Rate on such unpaid principal balance from the Due Date to which interest was
last paid by the Mortgagor to the first day of the month following the month in
which such Cash Liquidation or REO Disposition occurred.
Fraud Losses: Losses on Mortgage Loans as to which there was fraud in the
origination of such Mortgage Loan.
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Xxxxxxx Mac: Federal Home Loan Mortgage Corporation, a corporate
instrumentality of the United States created and existing under Title III of the
Emergency Home Finance Act of 1970, as amended, or any successor thereto.
Highest Priority: As of any date of determination, the Class of
Subordinate Certificates then outstanding with a Certificate Principal Balance
greater than zero, with the earliest priority for payments pursuant to Section
4.02(a), in the following order: Class M-1, Class M-2, Class M-3, Class B-1,
Class B-2 and Class B-3 Certificates.
Independent: When used with respect to any specified Person, means such
a Person who (i) is in fact independent of the Company, the Master Servicer and
the Trustee, or any Affiliate thereof, (ii) does not have any direct financial
interest or any material indirect financial interest in the Company, the Master
Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected
with the Company, the Master Servicer or the Trustee as an officer, employee,
promoter, underwriter, trustee, partner, director or person performing similar
functions.
Initial Certificate Principal Balance: With respect to each Class of
Certificates, the Certificate Principal Balance of such Class of Certificates as
of the Cut-off Date, as set forth in the Series Supplement.
Initial Monthly Payment Fund: An amount representing scheduled principal
amortization and interest at the Net Mortgage Rate for the Due Date in the first
Due Period commencing subsequent to the Cut-off Date for those Mortgage Loans
for which the Trustee will not be entitled to receive such payment, and as more
specifically defined in the Series Supplement.
Initial Notional Amount: With respect to any Class or Subclass of
Interest Only Certificates, the amount initially used as the principal basis for
the calculation of any interest payment amount, as more specifically defined in
the Series Supplement.
Initial Subordinate Class Percentage: As defined in the Series Supplement.
Insurance Proceeds: Proceeds paid in respect of the Mortgage Loans
pursuant to any Primary Insurance Policy or any other related insurance policy
covering a Mortgage Loan (excluding any Certificate Policy (as defined in the
Series Supplement)), to the extent such proceeds are payable to the mortgagee
under the Mortgage, any Subservicer, the Master Servicer or the Trustee and are
not applied to the restoration of the related Mortgaged Property (or, with
respect to a Cooperative Loan, the related Cooperative Apartment) or released to
the Mortgagor in accordance with the procedures that the Master Servicer would
follow in servicing mortgage loans held for its own account.
Insurer: Any named insurer under any Primary Insurance Policy or any
successor thereto or the named insurer in any replacement policy.
Interest Accrual Period: As defined in the Series Supplement.
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Interest Only Certificates: A Class or Subclass of Certificates not
entitled to payments of principal, and designated as such in the Series
Supplement. The Interest Only Certificates will have no Certificate Principal
Balance.
Interim Certification: As defined in Section 2.02.
Junior Certificateholder: The Holder of not less than 95% of the Percentage
Interests of the Junior Class of Certificates.
Junior Class of Certificates: The Class of Subordinate Certificates
outstanding as of the date of the repurchase of a Mortgage Loan pursuant to
Section 4.07 herein that has the Lowest Priority.
Late Collections: With respect to any Mortgage Loan, all amounts
received during any Due Period, whether as late payments of Monthly Payments or
as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late
payments or collections of Monthly Payments due but delinquent for a previous
Due Period and not previously recovered.
Liquidation Proceeds: Amounts (other than Insurance Proceeds) received
by the Master Servicer in connection with the taking of an entire Mortgaged
Property by exercise of the power of eminent domain or condemnation or in
connection with the liquidation of a defaulted Mortgage Loan through trustee's
sale, foreclosure sale or otherwise, other than REO Proceeds.
Loan Group: Any group of Mortgage Loans designated as a separate loan
group in the Series Supplement. The Certificates relating to each Loan Group
will be designated in the Series Supplement.
Loan-to-Value Ratio: As of any date, the fraction, expressed as a
percentage, the numerator of which is the current principal balance of the
related Mortgage Loan at the date of determination and the denominator of which
is the Appraised Value of the related Mortgaged Property.
Lower Priority: As of any date of determination and any Class of
Subordinate Certificates, any other Class of Subordinate Certificates then
outstanding with a Certificate Principal Balance greater than zero, with later
priority for payments pursuant to Section 4.02(a).
Lowest Priority: As of any date of determination, the Class of
Subordinate Certificates then outstanding with the latest priority for payments
pursuant to Section 4.02(a), in the following order: Class B-3, Class B-2, Class
B-1, Class M-3, Class M-2 and Class M-1 Certificates.
Maturity Date: The latest possible maturity date, solely for purposes of
Section 1.860G-1(a)(4)(iii) of the Treasury regulations, by which the
Certificate Principal Balance of each Class of Certificates (other than the
Interest Only Certificates which have no Certificate Principal Balance) and each
Uncertificated REMIC Regular Interest would be reduced to zero, as designated in
the Series Supplement.
MERS: Mortgage Electronic Registration Systems, Inc., a corporation
organized and existing under the laws of the State of Delaware, or any successor
thereto.
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MERS(R) System: The system of recording transfers of Mortgages
electronically maintained by MERS.
MIN: The Mortgage Identification Number for Mortgage Loans registered with
MERS on the MERS(R)System.
MLCC: Xxxxxxx Xxxxx Credit Corporation, or its successor in interest.
Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a
Servicing Modification.
Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject
of a Servicing Modification, the Net Mortgage Rate minus the rate per annum by
which the Mortgage Rate on such Mortgage Loan was reduced.
MOM Loan: With respect to any Mortgage Loan, MERS acting as the
mortgagee of such Mortgage Loan, solely as nominee for the originator of such
Mortgage Loan and its successors and assigns, at the origination thereof.
Monthly Payment: With respect to any Mortgage Loan (including any REO
Property) and any Due Date, the payment of principal and interest due thereon in
accordance with the amortization schedule at the time applicable thereto (after
adjustment, if any, for Curtailments and for Deficient Valuations occurring
prior to such Due Date but before any adjustment to such amortization schedule
by reason of any bankruptcy, other than a Deficient Valuation, or similar
proceeding or any moratorium or similar waiver or grace period and before any
Servicing Modification that constitutes a reduction of the interest rate on such
Mortgage Loan).
Moody's: Xxxxx'x Investors Service, Inc., or its successor in interest.
Mortgage: With respect to each Mortgage Note related to a Mortgage Loan
which is not a Cooperative Loan, the mortgage, deed of trust or other comparable
instrument creating a first lien on an estate in fee simple or leasehold
interest in real property securing a Mortgage Note.
Mortgage File: The mortgage documents listed in Section 2.01 pertaining
to a particular Mortgage Loan and any additional documents required to be added
to the Mortgage File pursuant to this Agreement.
Mortgage Loans: Such of the mortgage loans transferred and assigned to
the Trustee pursuant to Section 2.01 as from time to time are held or deemed to
be held as a part of the Trust Fund, the Mortgage Loans originally so held being
identified in the initial Mortgage Loan Schedule, and Qualified Substitute
Mortgage Loans held or deemed held as part of the Trust Fund including, without
limitation, (i) with respect to each Cooperative Loan, the related Mortgage
Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock
Certificate, Cooperative Lease and Mortgage File and all rights appertaining
thereto, and (ii) with respect to each Mortgage Loan other than a Cooperative
Loan, each related Mortgage Note, Mortgage and Mortgage File and all rights
appertaining thereto.
15
Mortgage Loan Schedule: As defined in the Series Supplement.
Mortgage Note: The originally executed note or other evidence of
indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan,
together with any modification thereto.
Mortgage Pool: The pool of mortgage loans, including all Loan Groups, if
any, consisting of the Mortgage Loans.
Mortgage Rate: As to any Mortgage Loan, the interest rate borne by the
related Mortgage Note, or any modification thereto other than a Servicing
Modification.
Mortgaged Property: The underlying real property securing a Mortgage
Loan or, with respect to a Cooperative Loan, the related Cooperative Lease and
Cooperative Stock.
Mortgagor: The obligor on a Mortgage Note.
Net Mortgage Rate: As to each Mortgage Loan, a per annum rate of
interest equal to the Adjusted Mortgage Rate less the per annum rate at which
the Servicing Fee is calculated.
Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage
Loan.
Non-Primary Residence Loans: The Mortgage Loans designated as secured by
second or vacation residences, or by non-owner occupied residences, on the
Mortgage Loan Schedule.
Non-United States Person: Any Person other than a United States Person.
Nonrecoverable Advance: Any Advance previously made or proposed to be
made by the Master Servicer in respect of a Mortgage Loan (other than a Deleted
Mortgage Loan) which, in the good faith judgment of the Master Servicer, will
not, or, in the case of a proposed Advance, would not, be ultimately recoverable
by the Master Servicer from related Late Collections, Insurance Proceeds,
Liquidation Proceeds, REO Proceeds or amounts reimbursable to the Master
Servicer pursuant to Section 4.02(a) hereof. The determination by the Master
Servicer that it has made a Nonrecoverable Advance or that any proposed Advance
would constitute a Nonrecoverable Advance, shall be evidenced by an Officers'
Certificate delivered to the Company, the Trustee and any Certificate Insurer.
Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at the time of
reference thereto, is not subject to a Subservicing Agreement.
Notional Amount: With respect to any Class or Subclass of Interest Only
Certificates, an amount used as the principal basis for the calculation of any
interest payment amount, as more specifically defined in the Series Supplement.
Officers' Certificate: A certificate signed by the Chairman of the Board,
the President or a Vice President or Assistant Vice President, or a Director or
Managing Director, and by the Treasurer,
16
the Secretary, or one of the Assistant Treasurers or Assistant Secretaries of
the Company or the Master Servicer, as the case may be, and delivered to the
Trustee, as required by this Agreement.
Opinion of Counsel: A written opinion of counsel acceptable to the
Trustee and the Master Servicer, who may be counsel for the Company or the
Master Servicer, provided that any opinion of counsel (i) referred to in the
definition of "Disqualified Organization" or (ii) relating to the qualification
of any REMIC formed under the Series Supplement or compliance with the REMIC
Provisions must, unless otherwise specified, be an opinion of Independent
counsel.
Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan
(including an REO Property) which was not the subject of a Principal Prepayment
in Full, Cash Liquidation or REO Disposition and which was not purchased,
deleted or substituted for prior to such Due Date pursuant to Section 2.02,
2.03, 2.04 or 4.07.
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: As defined in the Series Supplement.
Paying Agent: The Trustee or any successor Paying Agent appointed by the
Trustee.
Percentage Interest: With respect to any Certificate (other than a Class
R Certificate), the undivided percentage ownership interest in the related Class
evidenced by such Certificate, which percentage ownership interest shall be
equal to the Initial Certificate Principal Balance thereof or Initial Notional
Amount (in the case of any Interest Only Certificate) thereof divided by the
aggregate Initial Certificate Principal Balance or the aggregate of the Initial
Notional Amounts, as applicable, of all the Certificates of the same Class. With
respect to a Class R Certificate, the interest in distributions to be made with
respect to such Class evidenced thereby, expressed as a percentage, as stated on
the face of each such Certificate.
Permitted Investments: One or more of the following:
(i) obligations of or guaranteed as to principal and interest by
the United States or any agency or instrumentality thereof when such
obligations are backed by the full faith and credit of the United
States;
(ii) repurchase agreements on obligations specified in clause (i)
maturing not more than one month from the date of acquisition thereof,
provided that the unsecured obligations of the party agreeing to
repurchase such obligations are at the time rated by each Rating Agency
in its highest short-term rating available;
(iii) federal funds, certificates of deposit, demand deposits,
time deposits and bankers' acceptances (which shall each have an
original maturity of not more than 90 days and, in the case of bankers'
acceptances, shall in no event have an original maturity of more than
365 days or a remaining maturity of more than 30 days) denominated in
United States
17
dollars of any U.S. depository institution or trust company incorporated
under the laws of the United States or any state thereof or of any
domestic branch of a foreign depository institution or trust company;
provided that the debt obligations of such depository institution or
trust company (or, if the only Rating Agency is Standard & Poor's, in
the case of the principal depository institution in a depository
institution holding company, debt obligations of the depository
institution holding company) at the date of acquisition thereof have
been rated by each Rating Agency in its highest short-term rating
available; and provided further that, if the only Rating Agency is
Standard & Poor's and if the depository or trust company is a principal
subsidiary of a bank holding company and the debt obligations of such
subsidiary are not separately rated, the applicable rating shall be that
of the bank holding company; and, provided further that, if the original
maturity of such short-term obligations of a domestic branch of a
foreign depository institution or trust company shall exceed 30 days,
the short-term rating of such institution shall be A-1+ in the case of
Standard & Poor's if Standard & Poor's is the Rating Agency;
(iv) commercial paper and demand notes (having original
maturities of not more than 365 days) of any corporation incorporated
under the laws of the United States or any state thereof which on the
date of acquisition has been rated by each Rating Agency in its highest
short-term rating available; provided that such commercial paper shall
have a remaining maturity of not more than 30 days;
(v) a money market fund or a qualified investment fund rated by
each Rating Agency in its highest long-term rating available; and
(vi) other obligations or securities that are acceptable to each
Rating Agency as a Permitted Investment hereunder and will not reduce
the rating assigned to any Class of Certificates by such Rating Agency
below the lower of the then-current rating or the rating assigned to
such Certificates as of the Closing Date by such Rating Agency, as
evidenced in writing;
provided, however, no instrument shall be a Permitted Investment if it
represents, either (1) the right to receive only interest payments with respect
to the underlying debt instrument or (2) the right to receive both principal and
interest payments derived from obligations underlying such instrument and the
principal and interest payments with respect to such instrument provide a yield
to maturity greater than 120% of the yield to maturity at par of such underlying
obligations. References herein to the highest rating available on unsecured
long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa
in the case of Moody's, and references herein to the highest rating available on
unsecured commercial paper and short-term debt obligations shall mean A-1 in the
case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard
& Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch.
Permitted Transferee: Any Transferee of a Class R Certificate, other than a
Disqualified Organization or Non-United States Person.
18
Person: Any individual, corporation, limited liability company,
partnership, joint venture, association, joint-stock company, trust,
unincorporated organization or government or any agency or political subdivision
thereof.
Pledged Amount: With respect to any Pledged Asset Loan, the amount of money
remitted to Combined Collateral LLC, at the direction of or for the benefit of
the related Mortgagor.
Pledged Asset Loan: Any Mortgage Loan supported by Pledged Assets or
such other collateral, other than the related Mortgaged Property, set forth in
the Series Supplement.
Pledged Assets: With respect to any Mortgage Loan, all money,
securities, security entitlements, accounts, general intangibles, instruments,
documents, certificates of deposit, commodities contracts and other investment
property and other property of whatever kind or description pledged by Combined
Collateral LLC as security in respect of any Realized Losses in connection with
such Mortgage Loan up to the Pledged Amount for such Mortgage Loan, and any
related collateral, or such other collateral as may be set forth in the Series
Supplement.
Pledged Asset Mortgage Servicing Agreement: The Pledged Asset Mortgage
Servicing Agreement, dated as of February 28, 1996 between MLCC and the Master
Servicer.
Pooling and Servicing Agreement or Agreement: With respect to any
Series, this Standard Terms together with the related Series Supplement.
Pool Stated Principal Balance: As to any Distribution Date, the aggregate
of the Stated Principal Balances of each Mortgage Loan.
Pool Strip Rate: With respect to each Mortgage Loan, a per annum rate
equal to the excess of (a) the Net Mortgage Rate of such Mortgage Loan over (b)
the Discount Net Mortgage Rate (but not less than 0.00%) per annum.
Prepayment Distribution Trigger: With respect to any Distribution Date
and any Class of Subordinate Certificates (other than the Class M-1
Certificates), a test that shall be satisfied if the fraction (expressed as a
percentage) equal to the sum of the Certificate Principal Balances of such Class
and each Class of Subordinate Certificates with a Lower Priority than such Class
immediately prior to such Distribution Date divided by the aggregate Stated
Principal Balance of all of the Mortgage Loans (or related REO Properties)
immediately prior to such Distribution Date is greater than or equal to the sum
of the related Initial Subordinate Class Percentages of such Classes of
Subordinate Certificates.
Prepayment Interest Shortfall: As to any Distribution Date and any
Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was
the subject of (a) a Principal Prepayment in Full during the portion of the
related Prepayment Period that falls during the prior calendar month, an amount
equal to the excess of one month's interest at the Net Mortgage Rate (or
Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the
Stated Principal Balance of such Mortgage Loan over the amount of interest
(adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of
a Modified Mortgage Loan)) paid by the Mortgagor for
19
such month to the date of such Principal Prepayment in Full or (b) a Curtailment
during the prior calendar month, an amount equal to one month's interest at the
Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified
Mortgage Loan) on the amount of such Curtailment.
Prepayment Period: As to any Distribution Date and Principal Prepayment
in Full, the period commencing on the 16th day of the month prior to the month
prior to the month in which that Distribution Date occurs and ending on the 15th
day of the month in which such Distribution Date occurs.
Primary Insurance Policy: Each primary policy of mortgage guaranty
insurance or any replacement policy therefor referred to in Section 2.03(b)(iv)
and (v).
Principal Only Certificates: A Class of Certificates not entitled to
payments of interest, and more specifically designated as such in the Series
Supplement.
Principal Prepayment: Any payment of principal or other recovery on a
Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds
or Insurance Proceeds, which is received in advance of its scheduled Due Date
and is not accompanied by an amount as to interest representing scheduled
interest on such payment due on any date or dates in any month or months
subsequent to the month of prepayment.
Principal Prepayment in Full: Any Principal Prepayment of the entire
principal balance of a Mortgage Loan that is made by the Mortgagor.
Program Guide: Collectively, the Client Guide and the Servicer Guide for
Residential Funding's mortgage loan purchase and conduit servicing program and
all supplements and amendments thereto published by Residential Funding from
time to time.
Purchase Price: With respect to any Mortgage Loan (or REO Property)
required to be or otherwise purchased on any date pursuant to Section 2.02,
2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated
Principal Balance thereof plus the principal portion of any related unreimbursed
Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or
Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is
calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate
(or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) in the
case of a purchase made by the Master Servicer) on the Stated Principal Balance
thereof to the Due Date in the Due Period related to the Distribution Date
occurring in the month following the month of purchase from the Due Date to
which interest was last paid by the Mortgagor.
Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by
Residential Funding or the Company for a Deleted Mortgage Loan which must, on
the date of such substitution, as confirmed in an Officers' Certificate
delivered to the Trustee, with a copy to the Custodian,
(i) have an outstanding principal balance, after deduction of the
principal portion of the monthly payment due in the month of
substitution (or in the case of a substitution of more than one
Mortgage Loan for a Deleted Mortgage Loan, an aggregate
20
outstanding principal balance, after such deduction), not in
excess of the Stated Principal Balance of the Deleted Mortgage
Loan (the amount of any shortfall to be deposited by Residential
Funding in the Custodial Account in the month of substitution);
(ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and
not more than 1% per annum higher than the Mortgage Rate and Net
Mortgage Rate, respectively, of the Deleted Mortgage Loan as of
the date of substitution;
(iii) have a Loan-to-Value Ratio at the time of substitution no higher
than that of the Deleted Mortgage Loan at the time of
substitution;
(iv) have a remaining term to stated maturity not greater than (and
not more than one year less than) that of the Deleted Mortgage
Loan;
(v) comply with each representation and warranty set forth in
Sections 2.03 and 2.04 hereof and Section 4 of the Assignment
Agreement; and
(vi) have a Pool Strip Rate equal to or greater than that of the Deleted
Mortgage Loan.
Notwithstanding any other provisions herein, (x) with respect to any Qualified
Substitute Mortgage Loan substituted for a Deleted Mortgage Loan which was a
Discount Mortgage Loan, such Qualified Substitute Mortgage Loan shall be deemed
to be a Discount Mortgage Loan and to have a Discount Fraction equal to the
Discount Fraction of the Deleted Mortgage Loan and (y) in the event that the
"Pool Strip Rate" of any Qualified Substitute Mortgage Loan as calculated
pursuant to the definition of "Pool Strip Rate" is greater than the Pool Strip
Rate of the related Deleted Mortgage Loan
(i) the Pool Strip Rate of such Qualified Substitute Mortgage Loan
shall be equal to the Pool Strip Rate of the related Deleted
Mortgage Loan for purposes of calculating the Pass-Through Rate
on the Class A-V Certificates and
(ii) the excess of the Pool Strip Rate on such Qualified Substitute
Mortgage Loan as calculated pursuant to the definition of "Pool
Strip Rate" over the Pool Strip Rate on the related Deleted
Mortgage Loan shall be payable to the Class R Certificates
pursuant to Section 4.02 hereof.
Rating Agency: Each of the statistical credit rating agencies specified
in the Preliminary Statement of the Series Supplement. If any agency or a
successor is no longer in existence, "Rating Agency" shall be such statistical
credit rating agency, or other comparable Person, designated by the Company,
notice of which designation shall be given to the Trustee and the Master
Servicer.
Realized Loss: With respect to each Mortgage Loan (or REO Property):
-------------
(a) as to which a Cash Liquidation or REO Disposition has occurred,
an amount (not less than zero) equal to (i) the Stated Principal
Balance of the Mortgage Loan (or REO Property) as of the date of
Cash Liquidation or REO Disposition, plus (ii) interest
21
(and REO Imputed Interest, if any) at the Net Mortgage Rate from
the Due Date as to which interest was last paid or advanced to
Certificateholders up to the Due Date in the Due Period related
to the Distribution Date on which such Realized Loss will be
allocated pursuant to Section 4.05 on the Stated Principal
Balance of such Mortgage Loan (or REO Property) outstanding
during each Due Period that such interest was not paid or
advanced, minus (iii) the proceeds, if any, received during the
month in which such Cash Liquidation (or REO Disposition)
occurred, to the extent applied as recoveries of interest at the
Net Mortgage Rate and to principal of the Mortgage Loan, net of
the portion thereof reimbursable to the Master Servicer or any
Subservicer with respect to related Advances or expenses as to
which the Master Servicer or Subservicer is entitled to
reimbursement thereunder but which have not been previously
reimbursed,
(b) which is the subject of a Servicing Modification, (i) the amount
by which the interest portion of a Monthly Payment or the
principal balance of such Mortgage Loan was reduced, and (ii) any
such amount with respect to a Monthly Payment that was or would
have been due in the month immediately following the month in
which a Principal Prepayment or the Purchase Price of such
Mortgage Loan is received or is deemed to have been received,
(c) which has become the subject of a Deficient Valuation, the
difference between the principal balance of the Mortgage Loan
outstanding immediately prior to such Deficient Valuation and the
principal balance of the Mortgage Loan as reduced by the
Deficient Valuation, or
(d) which has become the object of a Debt Service Reduction, the
amount of such Debt Service Reduction.
Notwithstanding the above, neither a Deficient Valuation nor a Debt Service
Reduction shall be deemed a Realized Loss hereunder so long as the Master
Servicer has notified the Trustee in writing that the Master Servicer is
diligently pursuing any remedies that may exist in connection with the
representations and warranties made regarding the related Mortgage Loan and
either (A) the related Mortgage Loan is not in default with regard to payments
due thereunder or (B) delinquent payments of principal and interest under the
related Mortgage Loan and any premiums on any applicable primary hazard
insurance policy and any related escrow payments in respect of such Mortgage
Loan are being advanced on a current basis by the Master Servicer or a
Subservicer, in either case without giving effect to any Debt Service Reduction.
To the extent the Master Servicer receives Subsequent Recoveries with respect to
any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage
Loan will be reduced to the extent such recoveries are applied to reduce the
Certificate Principal Balance of any Class of Certificates on any Distribution
Date.
Record Date: With respect to each Distribution Date, the close of
business on the last Business Day of the month next preceding the month in which
the related Distribution Date occurs.
22
Regular Certificate: Any of the Certificates other than a Class R
Certificate.
REMIC: A "real estate mortgage investment conduit" within the meaning of
Section 860D of the Code.
REMIC Administrator: Residential Funding Corporation. If Residential
Funding Corporation is found by a court of competent jurisdiction to no longer
be able to fulfill its obligations as REMIC Administrator under this Agreement
the Master Servicer or Trustee acting as Master Servicer shall appoint a
successor REMIC Administrator, subject to assumption of the REMIC Administrator
obligations under this Agreement.
REMIC Provisions: Provisions of the federal income tax law relating to
real estate mortgage investment conduits, which appear at Sections 860A through
860G of Subchapter M of Chapter 1 of the Code, and related provisions, and
temporary and final regulations (or, to the extent not inconsistent with such
temporary or final regulations, proposed regulations) and published rulings,
notices and announcements promulgated thereunder, as the foregoing may be in
effect from time to time.
REO Acquisition: The acquisition by the Master Servicer on behalf of the
Trustee for the benefit of the Certificateholders of any REO Property pursuant
to Section 3.14.
REO Disposition: As to any REO Property, a determination by the Master
Servicer that it has received all Insurance Proceeds, Liquidation Proceeds, REO
Proceeds and other payments and recoveries (including proceeds of a final sale)
which the Master Servicer expects to be finally recoverable from the sale or
other disposition of the REO Property.
REO Imputed Interest: As to any REO Property, for any period, an amount
equivalent to interest (at the Net Mortgage Rate that would have been applicable
to the related Mortgage Loan had it been outstanding) on the unpaid principal
balance of the Mortgage Loan as of the date of acquisition thereof for such
period.
REO Proceeds: Proceeds, net of expenses, received in respect of any REO
Property (including, without limitation, proceeds from the rental of the related
Mortgaged Property or, with respect to a Cooperative Loan, the related
Cooperative Apartment) which proceeds are required to be deposited into the
Custodial Account only upon the related REO Disposition.
REO Property: A Mortgaged Property acquired by the Master Servicer
through foreclosure or deed in lieu of foreclosure in connection with a
defaulted Mortgage Loan.
Request for Release: A request for release, the forms of which are
attached as Exhibit F hereto, or an electronic request in a form acceptable to
the Custodian.
Required Insurance Policy: With respect to any Mortgage Loan, any
insurance policy which is required to be maintained from time to time under this
Agreement, the Program Guide or the related Subservicing Agreement in respect of
such Mortgage Loan.
23
Required Surety Payment: With respect to any Additional Collateral Loan
that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion
of the Realized Loss with respect to such Mortgage Loan and (ii) the excess, if
any, of (a) the amount of Additional Collateral required at origination with
respect to such Mortgage Loan over (b) the net proceeds realized by the
Subservicer from the related Additional Collateral.
Residential Funding: Residential Funding Corporation, a Delaware
corporation, in its capacity as seller of the Mortgage Loans to the Company and
any successor thereto.
Responsible Officer: When used with respect to the Trustee, any officer
of the Corporate Trust Department of the Trustee, including any Senior Vice
President, any Vice President, any Assistant Vice President, any Assistant
Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of
the Trustee customarily performing functions similar to those performed by any
of the above designated officers to whom, with respect to a particular matter,
such matter is referred.
Retail Certificates: A Senior Certificate, if any, offered in smaller
minimum denominations than other Senior Certificates, and designated as such in
the Series Supplement.
Schedule of Discount Fractions: The schedule setting forth the Discount
Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to
the Series Supplement.
Security Agreement: With respect to a Cooperative Loan, the agreement
creating a security interest in favor of the originator in the related
Cooperative Stock.
Seller: As to any Mortgage Loan, a Person, including any Subservicer, that
executed a Seller's Agreement applicable to such Mortgage Loan.
Seller's Agreement: An agreement for the origination and sale of
Mortgage Loans generally in the form of the Seller Contract referred to or
contained in the Program Guide, or in such other form as has been approved by
the Master Servicer and the Company, each containing representations and
warranties in respect of one or more Mortgage Loans consistent in all material
respects with those set forth in the Program Guide.
Senior Accelerated Distribution Percentage: With respect to any
Distribution Date occurring on or prior to the 60th Distribution Date and, with
respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan
Group, 100%. With respect to any Distribution Date thereafter and any such Loan
Group, if applicable, as follows:
(i) for any Distribution Date after the 60th Distribution Date but on
or prior to the 72nd Distribution Date, the related Senior
Percentage for such Distribution Date plus 70% of the related
Subordinate Percentage for such Distribution Date;
(ii) for any Distribution Date after the 72nd Distribution Date but on
or prior to the 84th Distribution Date, the related Senior
Percentage for such Distribution Date plus 60% of the related
Subordinate Percentage for such Distribution Date;
24
(iii) for any Distribution Date after the 84th Distribution Date but on
or prior to the 96th Distribution Date, the related Senior
Percentage for such Distribution Date plus 40% of the related
Subordinate Percentage for such Distribution Date;
(iv) for any Distribution Date after the 96th Distribution Date but on
or prior to the 108th Distribution Date, the related Senior
Percentage for such Distribution Date plus 20% of the related
Subordinate Percentage for such Distribution Date; and
(v) for any Distribution Date thereafter, the Senior Percentage for
such Distribution Date;
provided, however,
(i) that any scheduled reduction to the Senior Accelerated
Distribution Percentage described above shall not occur as of any
Distribution Date unless either
(a)(1)(X) the outstanding principal balance of the Mortgage Loans
delinquent 60 days or more averaged over the last six months, as a
percentage of the aggregate outstanding Certificate Principal Balance of
the Subordinate Certificates, is less than 50% or (Y) the outstanding
principal balance of Mortgage Loans delinquent 60 days or more averaged
over the last six months, as a percentage of the aggregate outstanding
principal balance of all Mortgage Loans averaged over the last six
months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans
to date for such Distribution Date if occurring during the sixth,
seventh, eighth, ninth or tenth year (or any year thereafter) after the
Closing Date are less than 30%, 35%, 40%, 45% or 50%, respectively, of
the sum of the Initial Certificate Principal Balances of the Subordinate
Certificates or
(b)(1) the outstanding principal balance of Mortgage Loans
delinquent 60 days or more averaged over the last six months, as a
percentage of the aggregate outstanding principal balance of all
Mortgage Loans averaged over the last six months, does not exceed 4% and
(2) Realized Losses on the Mortgage Loans to date for such Distribution
Date, if occurring during the sixth, seventh, eighth, ninth or tenth
year (or any year thereafter) after the Closing Date are less than 10%,
15%, 20%, 25% or 30%, respectively, of the sum of the Initial
Certificate Principal Balances of the Subordinate Certificates, and
(ii) that for any Distribution Date on which the Senior Percentage is
greater than the Percentage as of the Closing Date, the Senior
Accelerated Distribution Percentage for such Distribution Date
shall be 100%, or, if the Mortgage Pool is comprised of two or
more Loan Groups, for any Distribution Date on which the weighted
average of the Senior Percentages for each Loan Group, weighted
on the basis of the Stated Principal Balances of the Mortgage
Loans in the related Loan Group, exceeds the weighted average of
the initial Senior Percentages (calculated on such basis) for
each Loan Group, each of the Senior Accelerated Distribution
Percentages for such Distribution Date will equal 100%.
25
Notwithstanding the foregoing, upon the reduction of the Certificate Principal
Balances of the related Senior Certificates (other than the Class A-P
Certificates, if any) to zero, the related Senior Accelerated Distribution
Percentage shall thereafter be 0%.
Senior Certificate: As defined in the Series Supplement.
Senior Percentage: As defined in the Series Supplement.
Senior Support Certificate: A Senior Certificate that provides
additional credit enhancement to certain other classes of Senior Certificates
and designated as such in the Preliminary Statement of the Series Supplement.
Series: All of the Certificates issued pursuant to a Pooling and Servicing
Agreement and bearing the same series designation.
Series Supplement: The agreement into which this Standard Terms is
incorporated and pursuant to which, together with this Standard Terms, a Series
of Certificates is issued.
Servicing Accounts: The account or accounts created and maintained pursuant
to Section 3.08.
Servicing Advances: All customary, reasonable and necessary "out of
pocket" costs and expenses incurred in connection with a default, delinquency or
other unanticipated event by the Master Servicer in the performance of its
servicing obligations, including, but not limited to, the cost of (i) the
preservation, restoration and protection of a Mortgaged Property or, with
respect to a Cooperative Loan, the related Cooperative Apartment, (ii) any
enforcement or judicial proceedings, including foreclosures, including any
expenses incurred in relation to any such proceedings that result from the
Mortgage Loan being registered on the MERS System, (iii) the management and
liquidation of any REO Property and (iv) compliance with the obligations under
Sections 3.01, 3.08, 3.12(a) and 3.14, including, if the Master Servicer or any
Affiliate of the Master Servicer provides services such as appraisals and
brokerage services that are customarily provided by Persons other than servicers
of mortgage loans, reasonable compensation for such services.
Servicing Fee: With respect to any Mortgage Loan and Distribution Date,
the fee payable monthly to the Master Servicer in respect of master servicing
compensation that accrues at an annual rate designated on the Mortgage Loan
Schedule as the "MSTR SERV FEE" for such Mortgage Loan, as may be adjusted with
respect to successor Master Servicers as provided in Section 7.02.
Servicing Modification: Any reduction of the interest rate on or the
outstanding principal balance of a Mortgage Loan that is in default, or for
which, in the judgment of the Master Servicer, default is reasonably
foreseeable, pursuant to a modification of such Mortgage Loan in accordance with
Section 3.07(a).
Servicing Officer: Any officer of the Master Servicer involved in, or
responsible for, the administration and servicing of the Mortgage Loans whose
name and specimen signature appear on
26
a list of servicing officers furnished to the Trustee by the Master Servicer, as
such list may from time to time be amended.
Special Hazard Loss: Any Realized Loss not in excess of the cost of the
lesser of repair or replacement of a Mortgaged Property (or, with respect to a
Cooperative Loan, the related Cooperative Apartment) suffered by such Mortgaged
Property (or Cooperative Apartment) on account of direct physical loss,
exclusive of (i) any loss of a type covered by a hazard policy or a flood
insurance policy required to be maintained in respect of such Mortgaged Property
pursuant to Section 3.12(a), except to the extent of the portion of such loss
not covered as a result of any coinsurance provision and (ii) any Extraordinary
Loss.
Standard & Poor's: Standard & Poor's, a division of The XxXxxx-Xxxx
Companies, Inc., or its successor in interest.
Stated Principal Balance: With respect to any Mortgage Loan or related
REO Property, at any given time, (i) the Cut-off Date Principal Balance of the
Mortgage Loan, minus (ii) the sum of (a) the principal portion of the Monthly
Payments due with respect to such Mortgage Loan or REO Property during each Due
Period ending prior to the most recent Distribution Date which were received or
with respect to which an Advance was made, and (b) all Principal Prepayments
with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds,
Liquidation Proceeds and REO Proceeds, to the extent applied by the Master
Servicer as recoveries of principal in accordance with Section 3.14 with respect
to such Mortgage Loan or REO Property, in each case which were distributed
pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized
Loss allocated to Certificateholders with respect thereto for any previous
Distribution Date.
Subclass: With respect to the Class A-V Certificates, any Subclass
thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the
Uncertificated Class A-V REMIC Regular Interest or Interests specified by the
initial Holder of the Class A-V Certificates pursuant to Section 5.01(c).
Subordinate Certificate: Any one of the Class M Certificates or Class B
Certificates, executed by the Trustee and authenticated by the Certificate
Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C,
respectively.
Subordinate Class Percentage: With respect to any Distribution Date and
any Class of Subordinate Certificates, a fraction, expressed as a percentage,
the numerator of which is the aggregate Certificate Principal Balance of such
Class of Subordinate Certificates immediately prior to such date and the
denominator of which is the aggregate Stated Principal Balance of all of the
Mortgage Loans (or related REO Properties) (other than the related Discount
Fraction of each Discount Mortgage Loan) immediately prior to such Distribution
Date.
Subordinate Percentage: As of any Distribution Date and, with respect to
any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%
minus the related Senior Percentage as of such Distribution Date.
27
Subsequent Recoveries: As of any Distribution Date, amounts received by
the Master Servicer (net of any related expenses permitted to be reimbursed
pursuant to Section 3.10) or surplus amounts held by the Master Servicer to
cover estimated expenses (including, but not limited to, recoveries in respect
of the representations and warranties made by the related Seller pursuant to the
applicable Seller's Agreement and assigned to the Trustee pursuant to Section
2.04) specifically related to a Mortgage Loan that was the subject of a Cash
Liquidation or an REO Disposition prior to the related Prepayment Period that
resulted in a Realized Loss.
Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference
thereto, is subject to a Subservicing Agreement.
Subservicer: Any Person with whom the Master Servicer has entered into a
Subservicing Agreement and who generally satisfied the requirements set forth in
the Program Guide in respect of the qualification of a Subservicer as of the
date of its approval as a Subservicer by the Master Servicer.
Subservicer Advance: Any delinquent installment of principal and
interest on a Mortgage Loan which is advanced by the related Subservicer (net of
its Subservicing Fee) pursuant to the Subservicing Agreement.
Subservicing Account: An account established by a Subservicer in accordance
with Section 3.08.
Subservicing Agreement: The written contract between the Master Servicer
and any Subservicer relating to servicing and administration of certain Mortgage
Loans as provided in Section 3.02, generally in the form of the servicer
contract referred to or contained in the Program Guide or in such other form as
has been approved by the Master Servicer and the Company. With respect to
Additional Collateral Loans subserviced by MLCC, the Subservicing Agreement
shall also include the Addendum and Assignment Agreement and the Pledged Asset
Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced
by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of
November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as
such agreement may be amended from time to time.
Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to
the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to
the Master Servicer) in respect of subservicing and other compensation that
accrues at an annual rate equal to the excess of the Mortgage Rate borne by the
related Mortgage Note over the rate per annum designated on the Mortgage Loan
Schedule as the "CURR NET" for such Mortgage Loan.
Surety: Ambac, or its successors in interest, or such other surety as may
be identified in the Series Supplement.
Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated
February 28, 1996 in respect to Mortgage Loans originated by MLCC, or the Surety
Bond (Policy No. AB0240BE), dated March 17, 1999 in respect to Mortgage Loans
originated by Novus Financial Corporation, in each case issued by Ambac for the
benefit of certain beneficiaries, including the
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Trustee for the benefit of the Holders of the Certificates, but only to the
extent that such Surety Bond covers any Additional Collateral Loans, or such
other Surety Bond as may be identified in the Series Supplement.
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
REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed
on behalf of any REMIC formed under the Series Supplement and 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.
Transfer: Any irect or indirect transfer, sale, pledge, hypothecation or
other form of assignment of any Ownership Interest in a Certificate.
Transferee: Any Person who is acquiring by Transfer any Ownership Interest
in a Certificate.
Transferor: AnyPerson who is disposing by Transfer of any Ownership
Interest in a Certificate.
Trust Fund: The segregated pool of assets consisting of:
(i) the Mortgage Loans and the related Mortgage Files and collateral
securing such Mortgage Loans,
(ii) all payments on and collections in respect of the Mortgage Loans
due after the Cut-off Date as shall be on deposit in the
Custodial Account or in the Certificate Account and identified as
belonging to the Trust Fund, including the proceeds from the
liquidation of Additional Collateral for any Additional
Collateral Loan or Pledged Assets for any Pledged Asset Loan, but
not including amounts on deposit in the Initial Monthly Payment
Fund,
(iii) property that secured a Mortgage Loan and that has been acquired
for the benefit of the Certificateholders by foreclosure or deed
in lieu of foreclosure,
(iv) the hazard insurance policies and Primary Insurance Policies, if
any, the Pledged Assets with respect to each Pledged Asset Loan,
and the interest in the Surety Bond transferred to the Trustee
pursuant to Section 2.01,
(v) the Initial Monthly Payment Fund, and
(vi) all proceeds of clauses (i) through (v) above.
Underwriter: As defined in the Series Supplement.
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Uniform Single Attestation Program for Mortgage Bankers: The Uniform
Single Attestation Program for Mortgage Bankers, as published by the Mortgage
Bankers Association of America and effective with respect to fiscal periods
ending on or after December 15, 1995.
Uninsured Cause: Any cause of damage to property subject to a Mortgage
such that the complete restoration of such property is not fully reimbursable by
the hazard insurance policies.
United States Person: A citizen or resident of the United States, a
corporation, partnership or other entity created or organized in, or under the
laws of, the United States, provided that, for purposes solely of the
restrictions on the transfer of residual interests, no partnership or other
entity treated as a partnership for United States federal income tax purposes
shall be treated as a United States Person unless all persons that own an
interest in such partnership either directly or through any entity that is not a
corporation for United States federal income tax purposes are required by the
applicable operating agreement to be United States Persons, any state thereof,
or the District of Columbia (except in the case of a partnership, to the extent
provided in Treasury regulations) or any political subdivision thereof, or an
estate that is described in Section 7701(a)(30)(D) of the Code, or a trust that
is described in Section 7701(a)(30)(E) of the Code.
Voting Rights: The portion of the voting rights of all of the Certificates
which is allocated to any Certificate, and more specifically designated in
Article XI of the Series Supplement.
Section 1.02 Use of Words and Phrases.
"Herein," "hereby," "hereunder," 'hereof," "hereinbefore," "hereinafter"
and other equivalent words refer to the Pooling and Servicing Agreement as a
whole. All references herein to Articles, Sections or Subsections shall mean the
corresponding Articles, Sections and Subsections in the Pooling and Servicing
Agreement. The definition set forth herein include both the singular and the
plural.
ARTICLE II
CONVEYANCE OF MORTGAGE LOANS;
ORIGINAL ISSUANCE OF CERTIFICATES
Section 2.01 Conveyance of Mortgage Loans.
(a) The Company, concurrently with the execution and delivery hereof,
does hereby assign to the Trustee without recourse all the right, title and
interest of the Company in and to the Mortgage Loans, including all interest and
principal received on or with respect to the Mortgage Loans after the Cut-off
Date (other than payments of principal and interest due on the Mortgage Loans on
or before the Cut-off Date). In connection with such transfer and assignment,
the Company does hereby deliver to the Trustee the Certificate Policy (as
defined in the Series Supplement), if any.
(b) In connection with such assignment, except as set forth in Section
2.01(c) and subject to Section 2.01(d) below, the Company does hereby deliver
to, and deposit with, the Trustee, or to and with one or more Custodians, as the
duly appointed agent or agents of the Trustee for such
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purpose, the following documents or instruments (or copies thereof as permitted
by this Section) (I) with respect to each Mortgage Loan so assigned (other than
a Cooperative Loan):
(i) The original Mortgage Note, endorsed without recourse
to the order of the Trustee and showing an unbroken chain of
endorsements from the originator thereof to the Person endorsing
it to the Trustee, or with respect to any Destroyed Mortgage
Note, an original lost note affidavit from the related Seller or
Residential Funding stating that the original Mortgage Note was
lost, misplaced or destroyed, together with a copy of the related
Mortgage Note;
(ii) The original Mortgage, noting the presence of the MIN
of the Mortgage Loan and language indicating that the Mortgage
Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, with
evidence of recording indicated thereon or a copy of the Mortgage
with evidence of recording indicated thereon;
(iii) Unless the Mortgage Loan is registered on the
MERS(R) System, an original Assignment of the Mortgage to the
Trustee with evidence of recording indicated thereon or a copy of
such assignment with evidence of recording indicated thereon;
(iv) The original recorded assignment or assignments of
the Mortgage showing an unbroken chain of title from the
originator thereof to the Person assigning it to the Trustee (or
to MERS, if the Mortgage Loan is registered on the MERS(R) System
and noting the presence of a MIN) with evidence of recordation
noted thereon or attached thereto, or a copy of such assignment
or assignments of the Mortgage with evidence of recording
indicated thereon; and
(v) The original of each modification, assumption
agreement or preferred loan agreement, if any, relating to such
Mortgage Loan or a copy of each modification, assumption
agreement or preferred loan agreement.
and (II) with respect to each Cooperative Loan so assigned:
(i) The original Mortgage Note, endorsed without recourse
to the order of the Trustee and showing an unbroken chain of
endorsements from the originator thereof to the Person endorsing
it to the Trustee, or with respect to any Destroyed Mortgage
Note, an original lost note affidavit from the related Seller or
Residential Funding stating that the original Mortgage Note was
lost, misplaced or destroyed, together with a copy of the related
Mortgage Note;
(ii) A counterpart of the Cooperative Lease and the
Assignment of Proprietary Lease to the originator of the
Cooperative Loan with intervening assignments showing an unbroken
chain of title from such originator to the Trustee;
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(iii) The related Cooperative Stock Certificate,
representing the related Cooperative Stock pledged with respect
to such Cooperative Loan, together with an undated stock power
(or other similar instrument) executed in blank;
(iv) The original recognition agreement by the Cooperative
of the interests of the mortgagee with respect to the related
Cooperative Loan;
(v) The Security Agreement;
(vi) Copies of the original UCC-1 financing statement, and
any continuation statements, filed by the originator of such
Cooperative Loan as secured party, each with evidence of
recording thereof, evidencing the interest of the originator
under the Security Agreement and the Assignment of Proprietary
Lease;
(vii) Copies of the filed UCC-3 assignments of the
security interest referenced in clause (vi) above showing an
unbroken chain of title from the originator to the Trustee, each
with evidence of recording thereof, evidencing the interest of
the originator under the Security Agreement and the Assignment of
Proprietary Lease;
(viii) An executed assignment of the interest of the
originator in the Security Agreement, Assignment of Proprietary
Lease and the recognition agreement referenced in clause (iv)
above, showing an unbroken chain of title from the originator to
the Trustee;
(ix) The original of each modification, assumption
agreement or preferred loan agreement, if any, relating to such
Cooperative Loan; and
(x) A duly completed UCC-1 financing statement showing the
Master Servicer as debtor, the Company as secured party and the
Trustee as assignee and a duly completed UCC-1 financing
statement showing the Company as debtor and the Trustee as
secured party, each in a form sufficient for filing, evidencing
the interest of such debtors in the Cooperative Loans.
(c) The Company may, in lieu of delivering the original of the documents
set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section
(b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by
Section 2.01(b)) to the Trustee or the Custodian or Custodians, deliver such
documents to the Master Servicer, and the Master Servicer shall hold such
documents in trust for the use and benefit of all present and future
Certificateholders until such time as is set forth in the next sentence. Within
thirty Business Days following the earlier of (i) the receipt of the original of
all of the documents or instruments set forth in Section 2.01(b)(I)(ii), (iii),
(iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies
thereof as permitted by such Section) for any Mortgage Loan and (ii) a written
request by the Trustee to deliver those documents with respect to any or all of
the Mortgage Loans then being held by the Master Servicer, the Master Servicer
shall deliver a complete set of such documents to the Trustee or the Custodian
or Custodians that are the duly appointed agent or agents of the Trustee.
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(d) Notwithstanding the provisions of Section 2.01(c), in connection
with any Mortgage Loan, if the Company cannot deliver the original of the
Mortgage, any assignment, modification, assumption agreement or preferred loan
agreement (or copy thereof as permitted by Section 2.01(b)) with evidence of
recording thereon concurrently with the execution and delivery of this Agreement
because of (i) a delay caused by the public recording office where such
Mortgage, assignment, modification, assumption agreement or preferred loan
agreement as the case may be, has been delivered for recordation, or (ii) a
delay in the receipt of certain information necessary to prepare the related
assignments, the Company shall deliver or cause to be delivered to the Trustee
or the respective Custodian a copy of such Mortgage, assignment, modification,
assumption agreement or preferred loan agreement.
The Company shall promptly cause to be recorded in the appropriate
public office for real property records the Assignment referred to in clause
(I)(iii) of Section 2.01(b), except (a) in states where, in the opinion of
counsel acceptable to the Trustee and the Master Servicer, such recording is not
required to protect the Trustee's interests in the Mortgage Loan against the
claim of any subsequent transferee or any successor to or creditor of the
Company or the originator of such Mortgage Loan or (b) if MERS is identified on
the Mortgage or on a properly recorded assignment of the Mortgage as the
mortgagee of record solely as nominee for the Seller and its successors and
assigns, and shall promptly cause to be filed the Form UCC-3 assignment and
UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively,
of Section 2.01(b). If any Assignment, Form UCC-3 or Form UCC-1, as applicable,
is lost or returned unrecorded to the Company because of any defect therein, the
Company shall prepare a substitute Assignment, Form UCC-3 or Form UCC-1, as
applicable, or cure such defect, as the case may be, and cause such Assignment
to be recorded in accordance with this paragraph. The Company shall promptly
deliver or cause to be delivered to the Trustee or the respective Custodian such
Mortgage or Assignment or Form UCC-3 or Form UCC-1, as applicable, (or copy
thereof as permitted by Section 2.01(b)) with evidence of recording indicated
thereon at the time specified in Section 2.01(c). In connection with its
servicing of Cooperative Loans, the Master Servicer will use its best efforts to
file timely continuation statements with regard to each financing statement and
assignment relating to Cooperative Loans as to which the related Cooperative
Apartment is located outside of the State of New York.
If the Company delivers to the Trustee or Custodian any Mortgage Note or
Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian
to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage
in the name of the Trustee in conjunction with the Interim Certification issued
by the Custodian, as contemplated by Section 2.02.
Any of the items set forth in Sections 2.01(b)(I)(ii), (iii), (iv) and
(v) and (II)(vi) and (vii) and that may be delivered as a copy rather than the
original may be delivered to the Trustee or the Custodian.
In connection with the assignment of any Mortgage Loan registered on the
MERS(R) System, the Company further agrees that it will cause, at the Company's
own expense, within 30 Business Days after the Closing Date, the MERS(R) System
to indicate that such Mortgage Loans have been assigned by the Company to the
Trustee in accordance with this Agreement for the benefit of the
Certificateholders by including (or deleting, in the case of Mortgage Loans
which are repurchased in accordance with this Agreement) in such computer files
(a) the code in the field which identifies
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the specific Trustee and (b) the code in the field "Pool Field" which identifies
the series of the Certificates issued in connection with such Mortgage Loans.
The Company further agrees that it will not, and will not permit the Master
Servicer to, and the Master Servicer agrees that it will not, alter the codes
referenced in this paragraph with respect to any Mortgage Loan during the term
of this Agreement unless and until such Mortgage Loan is repurchased in
accordance with the terms of this Agreement.
(e) Residential Funding hereby assigns to the Trustee its security
interest in and to any Additional Collateral or Pledged Assets, its right to
receive amounts due or to become due in respect of any Additional Collateral or
Pledged Assets pursuant to the related Subservicing Agreement and its rights as
beneficiary under the Surety Bond in respect of any Additional Collateral Loans.
With respect to any Additional Collateral Loan or Pledged Asset Loan,
Residential Funding shall cause to be filed in the appropriate recording office
a UCC-3 statement giving notice of the assignment of the related security
interest to the Trust Fund and shall thereafter cause the timely filing of all
necessary continuation statements with regard to such financing statements.
(f) It is intended that the conveyance by the Company to the Trustee of
the Mortgage Loans as provided for in this Section 2.01 be and the
Uncertificated REMIC Regular Interests, if any (as provided for in Section
2.06), be construed as a sale by the Company to the Trustee of the Mortgage
Loans and any Uncertificated REMIC Regular Interests for the benefit of the
Certificateholders. Further, it is not intended that such conveyance be deemed
to be a pledge of the Mortgage Loans and any Uncertificated REMIC Regular
Interests by the Company to the Trustee to secure a debt or other obligation of
the Company. However, if the Mortgage Loans and any Uncertificated REMIC Regular
Interests are held to be property of the Company or of Residential Funding, or
if for any reason this Agreement is held or deemed to create a security interest
in the Mortgage Loans and any Uncertificated REMIC Regular Interests, then it is
intended that (a) this Agreement shall be a security agreement within the
meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the
Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyance
provided for in Section 2.01 shall be deemed to be, and hereby is, (1) a grant
by the Company to the Trustee of a security interest in all of the Company's
right (including the power to convey title thereto), title and interest, whether
now owned or hereafter acquired, in and to any and all general intangibles,
payment intangibles, accounts, chattel paper, instruments, documents, money,
deposit accounts, certificates of deposit, goods, letters of credit, advices of
credit and investment property and other property of whatever kind or
description now existing or hereafter acquired consisting of, arising from or
relating to any of the following: (A) the Mortgage Loans, including (i) with
respect to each Cooperative Loan, the related Mortgage Note, Security Agreement,
Assignment of Proprietary Lease, Cooperative Stock Certificate and Cooperative
Lease, (ii) with respect to each Mortgage Loan other than a Cooperative Loan,
the related Mortgage Note and Mortgage, and (iii) any insurance policies and all
other documents in the related Mortgage File, (B) all amounts payable pursuant
to the Mortgage Loans in accordance with the terms thereof, (C) any
Uncertificated REMIC Regular Interests and (D) all proceeds of the conversion,
voluntary or involuntary, of the foregoing into cash, instruments, securities or
other property, including without limitation all amounts from time to time held
or invested in the Certificate Account or the Custodial Account, whether in the
form of cash, instruments, securities or other property and (2) an assignment by
the Company to the Trustee of any security interest in any and all of
Residential Funding's right (including the power to convey title thereto), title
and interest, whether now owned or hereafter
34
acquired, in and to the property described in the foregoing clauses (1)(A), (B),
(C) and (D) granted by Residential Funding to the Company pursuant to the
Assignment Agreement; (c) the possession by the Trustee, the Custodian or any
other agent of the Trustee of Mortgage Notes or such other items of property as
constitute instruments, money, payment intangibles, negotiable documents, goods,
deposit accounts, letters of credit, advices of credit, investment property,
certificated securities or chattel paper shall be deemed to be "possession by
the secured party," or possession by a purchaser or a person designated by such
secured party, for purposes of perfecting the security interest pursuant to the
Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other
applicable jurisdiction as in effect (including, without limitation, Sections
8-106, 9-313 and 9-106 thereof); and (d) notifications to persons holding such
property, and acknowledgments, receipts or confirmations from persons holding
such property, shall be deemed notifications to, or acknowledgments, receipts or
confirmations from, securities intermediaries, bailees or agents of, or persons
holding for (as applicable) the Trustee for the purpose of perfecting such
security interest under applicable law.
The Company and, at the Company's direction, Residential Funding and the
Trustee shall, to the extent consistent with this Agreement, take such
reasonable actions as may be necessary to ensure that, if this Agreement were
determined to create a security interest in the Mortgage Loans, any
Uncertificated REMIC Regular Interests and the other property described above,
such security interest would be determined to be a perfected security interest
of first priority under applicable law and will be maintained as such throughout
the term of this Agreement. Without limiting the generality of the foregoing,
the Company shall prepare and deliver to the Trustee not less than 15 days prior
to any filing date and, the Trustee shall forward for filing, or shall cause to
be forwarded for filing, at the expense of the Company, all filings necessary to
maintain the effectiveness of any original filings necessary under the Uniform
Commercial Code as in effect in any jurisdiction to perfect the Trustee's
security interest in or lien on the Mortgage Loans and any Uncertificated REMIC
Regular Interests, as evidenced by an Officers' Certificate of the Company,
including without limitation (x) continuation statements, and (y) such other
statements as may be occasioned by (1) any change of name of Residential
Funding, the Company or the Trustee (such preparation and filing shall be at the
expense of the Trustee, if occasioned by a change in the Trustee's name), (2)
any change of location of the place of business or the chief executive office of
Residential Funding or the Company, (3) any transfer of any interest of
Residential Funding or the Company in any Mortgage Loan or (4) any transfer of
any interest of Residential Funding or the Company in any Uncertificated REMIC
Regular Interest.
(g) The Master Servicer hereby acknowledges the receipt by it of the
Initial Monthly Payment Fund. The Master Servicer shall hold such Initial
Monthly Payment Fund in the Custodial Account and shall include such Initial
Monthly Payment Fund in the Available Distribution Amount for the initial
Distribution Date. Notwithstanding anything herein to the contrary, the Initial
Monthly Payment Fund shall not be an asset of any REMIC. To the extent that the
Initial Monthly Payment Fund constitutes a reserve fund for federal income tax
purposes, (1) it shall be an outside reserve fund and not an asset of any REMIC,
(2) it shall be owned by the Seller and (3) amounts transferred by any REMIC to
the Initial Monthly Payment Fund shall be treated as transferred to the Seller
or any successor, all within the meaning of Section 1.860G-2(h) of the Treasury
Regulations.
35
(h) The Company agrees that the sale of each Pledged Asset Loan pursuant
to this Agreement will also constitute the assignment, sale, setting-over,
transfer and conveyance to the Trustee, without recourse (but subject to the
Company's covenants, representations and warranties specifically provided
herein), of all of the Company's obligations and all of the Company's right,
title and interest in, to and under, whether now existing or hereafter acquired
as owner of the Mortgage Loan with respect to all money, securities, security
entitlements, accounts, general intangibles, instruments, documents,
certificates of deposit, commodities contracts, and other investment property
and other property of whatever kind or description consisting of, arising from
or related to (i) the Assigned Contracts, (ii) all rights, powers and remedies
of the Company as owner of such Mortgage Loan under or in connection with the
Assigned Contracts, whether arising under the terms of such Assigned Contracts,
by statute, at law or in equity, or otherwise arising out of any default by the
Mortgagor under or in connection with the Assigned Contracts, including all
rights to exercise any election or option or to make any decision or
determination or to give or receive any notice, consent, approval or waiver
thereunder, (iii) all security interests in and lien of the Company as owner of
such Mortgage Loan in the Pledged Amounts and all money, securities, security
entitlements, accounts, general intangibles, instruments, documents,
certificates of deposit, commodities contracts, and other investment property
and other property of whatever kind or description and all cash and non-cash
proceeds of the sale, exchange, or redemption of, and all stock or conversion
rights, rights to subscribe, liquidation dividends or preferences, stock
dividends, rights to interest, dividends, earnings, income, rents, issues,
profits, interest payments or other distributions of cash or other property that
is credited to the Custodial Account, (iv) all documents, books and records
concerning the foregoing (including all computer programs, tapes, disks and
related items containing any such information) and (v) all insurance proceeds
(including proceeds from the Federal Deposit Insurance Corporation or the
Securities Investor Protection Corporation or any other insurance company) of
any of the foregoing or replacements thereof or substitutions therefor, proceeds
of proceeds and the conversion, voluntary or involuntary, of any thereof. The
foregoing transfer, sale, assignment and conveyance does not constitute and is
not intended to result in the creation, or an assumption by the Trustee, of any
obligation of the Company, or any other person in connection with the Pledged
Assets or under any agreement or instrument relating thereto, including any
obligation to the Mortgagor, other than as owner of the Mortgage Loan.
Section 2.02 Acceptance by Trustee.
---------------------
The Trustee acknowledges receipt (or, with respect to Mortgage Loans
subject to a Custodial Agreement, and based solely upon a receipt or
certification executed by the Custodian, receipt by the respective Custodian as
the duly appointed agent of the Trustee) of the documents referred to in Section
2.01(b)(I)(i) and Section 2.01(b)(II)(i), (iii), (v), (vi) and (viii) above
(except that for purposes of such acknowledgment only, a Mortgage Note may be
endorsed in blank) and declares that it, or a Custodian as its agent, holds and
will hold such documents and the other documents constituting a part of the
Mortgage Files delivered to it, or a Custodian as its agent, and the rights of
Residential Funding with respect to any Pledged Assets, Additional Collateral
and the Surety Bond assigned to the Trustee pursuant to Section 2.01, in trust
for the use and benefit of all present and future Certificateholders. The
Trustee or Custodian (such Custodian being so obligated under a Custodial
Agreement) agrees, for the benefit of Certificateholders, to review each
Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after
the Closing Date to ascertain that all required documents (specifically as set
forth in Section 2.01(b)), have been executed and received,
36
and that such documents relate to the Mortgage Loans identified on the Mortgage
Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to
the Trustee a certificate (the "Interim Certification") to the effect that all
documents required to be delivered pursuant to Section 2.01(b) above have been
executed and received and that such documents relate to the Mortgage Loans
identified on the Mortgage Loan Schedule, except for any exceptions listed on
Schedule A attached to such Interim Certification. Upon delivery of the Mortgage
Files by the Company or the Master Servicer, the Trustee shall acknowledge
receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement,
and based solely upon a receipt or certification executed by the Custodian,
receipt by the respective Custodian as the duly appointed agent of the Trustee)
of the documents referred to in Section 2.01(c) above.
If the Custodian, as the Trustee's agent, finds any document or
documents constituting a part of a Mortgage File to be missing or defective, the
Trustee shall promptly so notify the Master Servicer and the Company. Pursuant
to Section 2.3 of the Custodial Agreement, the Custodian will notify the Master
Servicer, the Company and the Trustee of any such omission or defect found by it
in respect of any Mortgage File held by it in respect of the items reviewed by
it pursuant to the Custodial Agreement. If such omission or defect materially
and adversely affects the interests of the Certificateholders, the Master
Servicer shall promptly notify the related Subservicer or Seller of such
omission or defect and request that such Subservicer or Seller correct or cure
such omission or defect within 60 days from the date the Master Servicer was
notified of such omission or defect and, if such Subservicer or Seller does not
correct or cure such omission or defect within such period, that such
Subservicer or Seller purchase such Mortgage Loan from the Trust Fund at its
Purchase Price, in either case within 90 days from the date the Master Servicer
was notified of such omission or defect; provided that if the omission or defect
would cause the Mortgage Loan to be other than a "qualified mortgage" as defined
in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within
90 days from the date such breach was discovered. The Purchase Price for any
such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be
deposited or caused to be deposited by the Master Servicer in the Custodial
Account maintained by it pursuant to Section 3.07 and, upon receipt by the
Trustee of written notification of such deposit signed by a Servicing Officer,
the Trustee or any Custodian, as the case may be, shall release to the Master
Servicer the related Mortgage File and the Trustee shall execute and deliver
such instruments of transfer or assignment prepared by the Master Servicer, in
each case without recourse, as shall be necessary to vest in the Seller or its
designee or the Subservicer or its designee, as the case may be, any Mortgage
Loan released pursuant hereto and thereafter such Mortgage Loan shall not be
part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or
Seller that repurchases the Mortgage Loan is not a member of MERS and the
Mortgage is registered on the MERS(R) System, the Master Servicer, at its own
expense and without any right of reimbursement, shall cause MERS to execute and
deliver an assignment of the Mortgage in recordable form to transfer the
Mortgage from MERS to such Subservicer or Seller and shall cause such Mortgage
to be removed from registration on the MERS(R) System in accordance with MERS'
rules and regulations. It is understood and agreed that the obligation of the
Seller or the Subservicer, as the case may be, to so cure or purchase any
Mortgage Loan as to which a material and adverse defect in or omission of a
constituent document exists shall constitute the sole remedy respecting such
defect or omission available to Certificateholders or the Trustee on behalf of
the Certificateholders.
37
Section 2.03 Representations, Warranties and Covenants of the Master
Servicer and the Company.
(a) The Master Servicer hereby represents and warrants to the Trustee
for the benefit of the Certificateholders that:
(i) The Master Servicer is a corporation duly organized,
validly existing and in good standing under the laws governing
its creation and existence and is or will be in compliance with
the laws of each state in which any Mortgaged Property is located
to the extent necessary to ensure the enforceability of each
Mortgage Loan in accordance with the terms of this Agreement;
(ii) The execution and delivery of this Agreement by the
Master Servicer and its performance and compliance with the terms
of this Agreement will not violate the Master Servicer's
Certificate of Incorporation or Bylaws or constitute a material
default (or an event which, with notice or lapse of time, or
both, would constitute a material default) under, or result in
the material breach of, any material contract, agreement or other
instrument to which the Master Servicer is a party or which may
be applicable to the Master Servicer or any of its assets;
(iii) This Agreement, assuming due authorization,
execution and delivery by the Trustee and the Company,
constitutes a valid, legal and binding obligation of the Master
Servicer, enforceable against it in accordance with the terms
hereof subject to applicable bankruptcy, insolvency,
reorganization, moratorium and other laws affecting the
enforcement of creditors' rights generally and to general
principles of equity, regardless of whether such enforcement is
considered in a proceeding in equity or at law;
(iv) The Master Servicer is not in default with respect to
any order or decree of any court or any order, regulation or
demand of any federal, state, municipal or governmental agency,
which default might have consequences that would materially and
adversely affect the condition (financial or other) or operations
of the Master Se