0000882377-05-000838 Sample Contracts

Exhibit 99.2

Servicing Agreement • April 15th, 2005 • Renaissance Home Equity Loan Trust 2005-1 • Asset-backed securities • New York

• Contract Type
  Servicing Agreement
• Filed
  April 15th, 2005
• Company
  Renaissance Home Equity Loan Trust 2005-1
• Industry
  Asset-backed securities
• Jurisdiction
  New York

Exhibit 3.1

Trust Agreement • April 15th, 2005 • Renaissance Home Equity Loan Trust 2005-1 • Asset-backed securities • Delaware

• Contract Type
  Trust Agreement
• Filed
  April 15th, 2005
• Company
  Renaissance Home Equity Loan Trust 2005-1
• Industry
  Asset-backed securities
• Jurisdiction
  Delaware

as Originator MORTGAGE LOAN SALE AND CONTRIBUTION AGREEMENT Series 2005-1 Dated as of March 31, 2005

Mortgage Loan Sale and Contribution Agreement • April 15th, 2005 • Renaissance Home Equity Loan Trust 2005-1 • Asset-backed securities • New York

• Contract Type
  Mortgage Loan Sale and Contribution Agreement
• Filed
  April 15th, 2005
• Company
  Renaissance Home Equity Loan Trust 2005-1
• Industry
  Asset-backed securities
• Jurisdiction
  New York