Home Equity Loan Purchase Agreement Sample Contracts

HSBC Home Equity Loan Trust (USA) 2007-3 – BENEFICIAL ALABAMA INC., BENEFICIAL CALIFORNIA INC., BENEFICIAL COLORADO INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL IDAHO INC., BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KANSAS INC., BENEFICIAL KENTUCKY INC., BENEFICIAL LOAN AND THRIFT CO., BENEFICIAL LOUISIANA INC., BENEFICIAL MAINE INC., BENEFICIAL MARYLAND INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE (October 22nd, 2007)

HOME EQUITY LOAN PURCHASE AGREEMENT, dated October 18, 2007, by and among BENEFICIAL ALABAMA INC., BENEFICIAL CALIFORNIA INC., BENEFICIAL COLORADO INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL IDAHO INC., BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KANSAS INC., BENEFICIAL KENTUCKY INC., BENEFICIAL LOAN AND THRIFT CO., BENEFICIAL LOUISIANA INC., BENEFICIAL MAINE INC., BENEFICIAL MARYLAND INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEFICIAL MORTGAGE CO. OF GEORGIA, BENEFICIAL MORTGAGE CO. OF MISSOURI, INC., BENEFICIAL MORTGAGE CO. OF NEVADA, BENEFICIAL MORTGAGE CO. OF NORTH CAROLINA, BENEFICIAL MORTGAGE CO. OF VIRGINIA, BENEFICIAL NEBRASKA INC., BENEFICIAL NEW HAMPSHIRE INC., BENEFICIAL NEW JERSEY INC., BENEFICIAL NEW MEXICO INC

Home Equity Loan Trust 2007-Hsa3 – IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Home Equity Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written. RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC., as Purchaser By: /s/ Jeffrey Blaschko Name: Jeffrey Blaschko Title: Vice President RESIDENTIAL FUNDING COMPANY, LLC, as Seller By: /s/ Tim Jacobson Name: Tim Jacobson Title: Associate (June 14th, 2007)

EXHIBIT 3 APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R)VERSION 6.0 APPENDIX E - STANDARD & POOR'S PREDATORY LENDING CATEGORIES Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (a) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION --------------------------------------------------------------------------------------------------------------------------------

MSCC HELOC Trust 2007-1 – MORGAN STANLEY ABS CAPITAL I, INC. as Purchaser, and MORGAN STANLEY CREDIT CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of February 1, 2007 Home Equity Loans (June 8th, 2007)

This HOME EQUITY LOAN PURCHASE AGREEMENT (this “Agreement”), dated as of February 1, 2007, is made between Morgan Stanley Credit Corporation (the “Seller”) and Morgan Stanley ABS Capital I Inc. (the “Purchaser”).

HSBC Home Equity Loan Trust (USA) 2007-2 – BENEFICIAL ALABAMA INC., BENEFICIAL CALIFORNIA INC., BENEFICIAL COLORADO INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL IDAHO INC., BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KANSAS INC., BENEFICIAL KENTUCKY INC., BENEFICIAL LOAN AND THRIFT CO., BENEFICIAL LOUISIANA INC., BENEFICIAL MAINE INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEF (May 31st, 2007)
HSBC Home Equity Loan Trust (USA) 2007-1 – BENEFICIAL ALABAMA INC., BENEFICIAL CALIFORNIA INC., BENEFICIAL COLORADO INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL IDAHO INC., BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KANSAS INC., BENEFICIAL KENTUCKY INC., BENEFICIAL LOAN AND THRIFT CO., BENEFICIAL LOUISIANA INC., BENEFICIAL MAINE INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEF (May 9th, 2007)
Home Equity Loan Trust 2007-Hsa1 – IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Home Equity Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written. RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC., as Purchaser By: /s/Jeffrey Blaschko Name: Jeffrey Blaschko Title: Vice President RESIDENTIAL FUNDING COMPANY, LLC, as Seller By: /s/Tim Jacobson Name: Tim Jacobson Title: Associate (March 14th, 2007)

EXHIBIT 2 APPENDIX E OF THE STANDARD & POOR'S GLOSSARY FOR FILE FORMAT FOR LEVELS(R)VERSION 5.7 REVISED REVISED October 20, 2006 APPENDIX E - STANDARD & POOR'S PREDATORY LENDING CATEGORIES Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (a) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION -----------------------------------------------------------

HSBC Home Equity Loan Trust (USA) 2006-4 – BENEFICIAL ALABAMA INC., BENEFICIAL CALIFORNIA INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KENTUCKY INC., BENEFICIAL MAINE INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF COLORADO, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEFICIAL MORTGAGE CO. OF GEORGIA, BENEFICIAL MORTGAGE CO. OF IDAHO, BENEFICIAL MORTGAGE CO. OF KAN (December 28th, 2006)

HOME EQUITY LOAN PURCHASE AGREEMENT, dated December 14, 2006, by and among BENEFICIAL ALABAMA INC., BENEFICIAL CALIFORNIA INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KENTUCKY INC., BENEFICIAL MAINE INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF COLORADO, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEFICIAL MORTGAGE CO. OF GEORGIA, BENEFICIAL MORTGAGE CO. OF IDAHO, BENEFICIAL MORTGAGE CO. OF KANSAS, INC., BENEFICIAL MORTGAGE CO. OF LOUISIANA, BENEFICIAL MORTGAGE CO. OF MARYLAND, BENEFICIAL MORTGAGE CO. OF MISSOURI, INC., BENEFICIAL MORTGAGE CO. OF NEW HAMPSHIRE, BENEFICIAL MORTGAGE CO. OF NEVADA, BENEFICIAL MORTGAGE CO. OF NORTH CAROLINA, BENEFICIAL MORTGAGE CO. OF RHODE ISLAND, BENEFICIAL MORTGAGE CO. OF SOUTH CA

HSBC Home Equity Loan Trust (USA) 2006-3 – Exhibits 5.1 and 23.1 --------------------- Sidley Austin LLP 787 Seventh Avenue New York, New York 10019 Telephone: (212) 839-5300 Facsimile: (212) 839-5599 October 26, 2006 HSBC Home Equity Loan Corporation II 2700 Sanders Road Prospect Heights, Illinois 60070 Re: HSBC Home Equity Loan Trust (USA) 2006-3 Closed-End Home Equity Loan Asset-Backed Certificates, Series 2006-3 -------------------------------------------------------------------- Ladies and Gentlemen: We have acted as counsel to HSBC Home Equity Loan Corporation II, a Delaware corporation (the "Depositor"), and HSBC Finance Corpora (October 26th, 2006)
HSBC Home Equity Loan Trust (USA) 2006-3 – Exhibits 8.1 and 23.1 --------------------- Sidley Austin LLP 787 Seventh Avenue New York, New York 10019 Telephone: (212) 839-5300 Facsimile: (212) 839-5599 October 26, 2006 HSBC Home Equity Loan Corporation II 2700 Sanders Road Prospect Heights, Illinois 60070 Re: HSBC Home Equity Loan Trust (USA) 2006-3 Closed-End Home Equity Loan Asset-Backed Certificates, Series 2006-3 -------------------------------------------------------------------- Ladies and Gentlemen: We have acted as counsel to HSBC Home Equity Loan Corporation II, a Delaware corporation (the "Depositor"), and HSBC Finance Corpora (October 26th, 2006)
Home Equity Loan Trust 2006-Hsa5 – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of September 28, 2006 Home Equity Loans (October 12th, 2006)

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ---------------------------- ---------------------------------------- --------------------------- CATEGORY UNDER NAME OF ANTI-PREDATORY LENDING APPLICABLE ANTI- STATE/JURISDICTION LAW/EFFECTIVE DATE PREDATORY LENDING LAW ---------------------------- ---------------------------------------- --------------------------- ---------------------------- ---------------------------------------- --------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq. Effective July 16, 2003 ---------------------------- ---------------------------------------- --------------------------- --

Home Equity Loan Trust 2006-Hsa4 – IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Home Equity Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written. RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC., as Purchaser By: /s/ Heather Anderson Name: Heather Anderson Title: Vice President RESIDENTIAL FUNDING CORPORATION, as Seller By: /s/ Christopher Martinez Name: Christopher Martinez Title: Associate (August 11th, 2006)

---------------------------- ---------------------------------------- --------------------------- New Jersey New Jersey Home Ownership Security High Cost Home Loan Act of 2002, N.J. Rev. Stat.ss.ss. 46:10B- 22 et seq. Effective for loans closed on or after November 27, 2003 ---------------------------- ---------------------------------------- --------------------------- New Mexico Home Loan Protection Act, N.M. Rev. High Cost Home Loan Stat.ss.ss.58-21A-1 et seq. Effective as of January 1, 2004; Revised as of February 26, 2004 ---------------------------- ---------------------------------------- --------------------------- New York N.Y. Banking Law Article 6-1 High Cost Home Loa

Hsbc Home Equity Loan Corp I – [BENEFICIAL CALIFORNIA INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KENTUCKY INC., BENEFICIAL LOAN & THRIFT CO., BENEFICIAL MAINE INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MONTANA INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF COLORADO, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEFICIAL MORTGAGE CO. OF GEORGIA, BENEFICIAL MORTGAGE CO. OF IDAHO, (June 15th, 2006)

HOME EQUITY LOAN PURCHASE AGREEMENT, dated [          ], by and among [BENEFICIAL CALIFORNIA INC., BENEFICIAL CONSUMER DISCOUNT COMPANY, BENEFICIAL DELAWARE INC., BENEFICIAL FLORIDA INC., BENEFICIAL HAWAII INC., BENEFICIAL HOMEOWNER SERVICE CORPORATION, BENEFICIAL ILLINOIS INC., BENEFICIAL INDIANA INC., BENEFICIAL IOWA INC., BENEFICIAL KENTUCKY INC., BENEFICIAL LOAN & THRIFT CO., BENEFICIAL MAINE INC., BENEFICIAL MASSACHUSETTS INC., BENEFICIAL MICHIGAN INC., BENEFICIAL MONTANA INC., BENEFICIAL MORTGAGE CO. OF ARIZONA, BENEFICIAL MORTGAGE CO. OF COLORADO, BENEFICIAL MORTGAGE CO. OF CONNECTICUT, BENEFICIAL MORTGAGE CO. OF GEORGIA, BENEFICIAL MORTGAGE CO. OF IDAHO, BENEFICIAL MORTGAGE CO. OF KANSAS, INC., BENEFICIAL MORTGAGE CO. OF LOUISIANA, BENEFICIAL MORTGAGE CO. OF MARYLAND, BENEFICIAL MORTGAGE CO. OF MISSOURI, INC., BENEFICIAL MORTGAGE CO. OF NEVADA, BENEFICIAL MORTGAGE CO. OF NEW HAMPSHIRE, BENEFICIAL MORTGAGE CO. OF NORTH CAROLINA, BENEFICIAL MORTGAGE CO. OF RHODE ISLAND, BENEFICIA

Home Equity Loan Trust 2006-Hsa3 – IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Home Equity Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written. RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC., as Purchaser By: /s/ Tim Jacobson Name: Tim Jacobson Title: Vice President RESIDENTIAL FUNDING CORPORATION, as Seller By: /s/ Christopher Martinez Name: Christopher Martinez Title: Associate (June 9th, 2006)

EXHIBIT 2 REVISED July 11, 2005 APPENDIX E - STANDARD & POOR'S PREDATORY LENDING CATEGORIES Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (a) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------------------- -------------------------- State/Jurisdic

RFMSII Series 2006-Hsa2 Trust – IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Home Equity Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written. RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC., as Purchaser By: /s/ Heather Anderson Name: Heather Anderson Title: Vice President RESIDENTIAL FUNDING CORPORATION, as Seller By: /s/ Benita Bjorgo Name: Benita Bjorgo Title: Associate (March 10th, 2006)

EXHIBIT 3 REVISED July 11, 2005 APPENDIX E - STANDARD & POOR'S PREDATORY LENDING CATEGORIES Standard & Poor's has categorized loans governed by anti-predatory lending laws in the Jurisdictions listed below into three categories based upon a combination of factors that include (a) the risk exposure associated with the assignee liability and (b) the tests and thresholds set forth in those laws. Note that certain loans classified by the relevant statute as Covered are included in Standard & Poor's High Cost Loan Category because they included thresholds and tests that are typical of what is generally considered High Cost by the industry. STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ ---------------------------------------- -------------------------- State/Jurisdic

RFMSII Series 2005-Hsa1 Trust – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of December 29, 2005 Home Equity Loans (January 13th, 2006)

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq. Effective July 16, 2003 ---------------------------- ---------------------------------------- -------------------------- Cleveland Heights, OH

Home Equity Loan Trust 2005-Hs2 – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of November 29, 2005 Home Equity Loans (December 15th, 2005)

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq. Effective July 16, 2003 ---------------------------- ---------------------------------------- -------------------------- Cleveland Heights, OH

Home Equity Loan Trust 2005-Hs1 – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of September 23, 2005 Home Equity Loans (October 11th, 2005)

STANDARD & POOR'S HIGH COST LOAN CATEGORIZATION ------------------------------------------------------------------------------------------------ State/Jurisdiction Name of Anti-Predatory Lending Category under Applicable Anti-Predatory Lending Law/Effective Date Law ---------------------------- ---------------------------------------- -------------------------- Arkansas Arkansas Home Loan Protection Act, High Cost Home Loan Ark. Code Ann. ss.ss. 23-53-101 et seq. Effective July 16, 2003 ---------------------------- ---------------------------------------- -------------------------- Cleveland Heights, OH

Home Equity Loan Trust 2004-Hs3 – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of September 29, 2004 Home Equity Loans (October 14th, 2004)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS...............................................................1 Section 1.1 Definitions.......................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS..........................2 Section 2.1 Sale of Home Equity Loans.........................................2 Section 2.2 Payment of Purchase Price.........................................5 Section 2.3 Reserved..........................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date...............6 Section 2.5 Draws After an Amortization Event.................................6 ARTICLE III REPRESENTATIONS AND

Home Equity Loan Trust 2004-Hs2 – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of June 29, 2004 Home Equity Loans (July 14th, 2004)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS...............................................................1 Section 1.1 Definitions.......................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS..........................2 Section 2.1 Sale of Home Equity Loans.........................................2 Section 2.2 Payment of Purchase Price.........................................5 Section 2.3 Reserved..........................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date...............6 Section 2.5 Draws After an Amortization Event.................................7 ARTICLE III REPRESENTATIONS AND

Residential Funding Mortgage Sec Ii Inc Hm Eq Ln Tr 2004-Hs1 – RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of March 29, 2004 Home Equity Loans (April 14th, 2004)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS...............................................................1 Section 1.1 Definitions.......................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS..........................2 Section 2.1 Sale of Home Equity Loans.........................................2 Section 2.2 Payment of Purchase Price.........................................5 Section 2.3 Reserved..........................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date...............6 Section 2.5 Draws After an Amortization Event.................................7 ARTICLE III REPRESENTATIONS AND

Residential Funding Mortgage Securities Ii Inc – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of December 30, 2003 Home Equity Loans (January 28th, 2004)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS...............................................................1 Section 1.1 Definitions.......................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS..........................2 Section 2.1 Sale of Home Equity Loans.........................................2 Section 2.2 Payment of Purchase Price.........................................5 Section 2.3 Reserved..........................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date...............6 Section 2.5 Draws After an Amortization Event.................................7 ARTICLE III REPRE

Residential Funding Mortgage Securities Ii Inc – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of September 29, 2003 Home Equity Loans (October 14th, 2003)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS...............................................................1 Section 1.1 Definitions.......................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS..........................2 Section 2.1 Sale of Home Equity Loans.........................................2 Section 2.2 Payment of Purchase Price.........................................5 Section 2.3 Reserved..........................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date...............6 Section 2.5 Draws After an Amortization Event.................................7 ARTICLE III REPRESENTATIONS AND

Residential Funding Mortgage Securities Ii Inc – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of June 26, 2003 Home Equity Mortgage Loans and Revolving Credit Loans (July 11th, 2003)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS...............................................................1 Section 1.1 Definitions.......................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS..........................2 Section 2.1 Sale of Home Equity Loans.........................................2 Section 2.2 Payment of Purchase Price.........................................5 Section 2.3 Reserved..........................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date...............6 Section 2.5 Draws After an Amortization Event.................................6 ARTICLE III REPRESENTATIONS AND

Residential Funding Mortgage Securities Ii Inc – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of March 27, 2003 Home Equity Mortgage Loans and Revolving Credit Loans (April 11th, 2003)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.1 Definitions..................................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS Section 2.1 Sale of Home Equity Loans....................................................2 Section 2.2 Payment of Purchase Price....................................................5 Section 2.3 Reserved.....................................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date..........................6 Section 2.5 Draws After an Amortization Event............................................6

Residential Funding Mortgage Securities Ii Inc – EXECUTION COPY RESIDENTIAL FUNDING MORTGAGE SECURITIES II, INC. as Purchaser, and RESIDENTIAL FUNDING CORPORATION as Seller HOME EQUITY LOAN PURCHASE AGREEMENT Dated as of September 27, 2002 Home Equity Mortgage Loans and Revolving Credit Loans (October 15th, 2002)

TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.1 Definitions..................................................................1 ARTICLE II SALE OF HOME EQUITY LOANS AND RELATED PROVISIONS Section 2.1 Sale of Home Equity Loans....................................................2 Section 2.2 Payment of Purchase Price....................................................5 Section 2.3 Reserved.....................................................................6 Section 2.4 Variable Funding Notes on or after the Closing Date..........................6 Section 2.5 Draws After an Amortization Event............................................6