Common use of Annual Independent Certified Public Accountants’ Servicing Report Clause in Contracts

Annual Independent Certified Public Accountants’ Servicing Report. On or prior to March 15th of each year for each year in which the Purchaser or an Affiliate of the Purchaser is required to file an annual report on Form 10-K in connection with any Securitization Transfer with the SEC, and upon request of the Purchaser for any other year, the Seller at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the Seller’s servicing of residential mortgage loans, and that, on the basis of such an examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers, such firm is of the opinion that the Seller’s servicing has been conducted in compliance with such programs, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller to the Purchaser pursuant to this Section shall be delivered on or before March 15, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.05. Copies of such statement shall be provided by the Seller to the Purchaser. The obligations of the Seller under this Section 6.05 apply to the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time such statement is required to be delivered

Annual Independent Certified Public Accountants’ Servicing Report. On or prior to March 15th of each year for each year in which the Purchaser or an Affiliate of the Purchaser is required to file an annual report on Form 10-K in connection with any Securitization Transfer with the SEC, and upon request of the Purchaser for any other year, the Seller at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the Seller’s servicing of residential mortgage loans, and that, on the basis of such an examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers, such firm is of the opinion that the Seller’s servicing has been conducted in compliance with such programs, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller to the Purchaser pursuant to this Section shall be delivered on or before March 15, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.05. Copies of such statement shall be provided by the Seller to the Purchaser. The obligations of the Seller under this Section 6.05 apply to the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time such statement is required to be delivered.

Annual Independent Certified Public Accountants’ Servicing Report. On or prior to March 15th of each year for each year in which the Purchaser or an Affiliate of the Purchaser is required to file an annual report on Form 10-K in connection with any Securitization Transfer with the SEC, and upon request of the Purchaser for any other year, the Seller at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the Seller’s 's servicing of residential mortgage loans, and that, on the basis of such an examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage Bankers, such firm is of the opinion that the Seller’s 's servicing has been conducted in compliance with such programs, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller to the Purchaser pursuant to this Section shall be delivered on or before March 15, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.05. Copies of such statement shall be provided by the Seller to the Purchaser. The obligations of the Seller under this Section 6.05 apply to the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time such statement is required to be delivered

Annual Independent Certified Public Accountants’ Servicing Report. On or prior to March 15th Within sixty (60) days after the end of each year for each year in which the Purchaser or an Affiliate of the Purchaser is required to file an annual report on Form 10-K in connection with any Securitization Transfer with the SEC, and upon request of the Purchaser for any other calendar year, the Seller Servicer at its expense shall shall, upon request, cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the Seller’s Servicer's servicing of residential mortgage loansloans of the same type as the Mortgage Loans pursuant to servicing agreements substantially similar to this Agreement, which agreements may include this Agreement, and that, on the basis of such an examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage BankersBankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, such firm is of the opinion that the Seller’s Servicer's servicing has been conducted in compliance with such programsthe agreements examined pursuant to this Section 6.05, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller Servicer to the Purchaser pursuant to this Section shall be delivered delivered, upon request, on or before March 15February 28, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.052004. Copies of such statement shall be provided by the Seller Servicer to the Purchaser. The obligations In addition, on an annual basis, the Servicer shall provide the Purchaser with copies of its audited financial statements upon execution by the Seller under this Section 6.05 apply Purchaser of an agreement to keep confidential the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time contents of such statement is required to be deliveredfinancial statements.

Annual Independent Certified Public Accountants’ Servicing Report. On or Each Servicer will deliver to the Purchaser not later than the Business Day prior to March 15th 31 of each calendar year for and will use its best efforts to deliver to the Purchaser on or before the earlier of (a) March 15 of each calendar year, commencing calendar year in 2005 or (b) with respect to any calendar year during which the Purchaser or an Affiliate of the Purchaser is required to file an Depositor’s annual report on Form 10-K is required to be filed in connection with any Securitization Transfer accordance with the SEC, Exchange Act and upon request the rules and regulations of the Purchaser for any other yearcommission, fifteen (15) calendar days before the date on which the Depositor’s annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission (or, in each case, if such day is not a Business Day, the Seller immediately succeeding Business Day), at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the Sellerapplicable Servicer’s servicing of residential mortgage loansloans of the same type as the Mortgage Loans pursuant to servicing agreements substantially similar to this Agreement, which agreements may include this Agreement, and that, on the basis of such an examination, conducted substantially in compliance accordance with the Uniform Single Attestation Program uniform single attestation program for Mortgage Bankersmortgage bankers, such firm is of the opinion that the Sellerapplicable Servicer’s servicing has been conducted in compliance with such programsthe agreements examined pursuant to this Section 6.05, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller to the Purchaser pursuant to this Section shall be delivered on or before March 15, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.05. Copies of such statement shall be provided by the Seller applicable Servicer to the Purchaser. The obligations In addition, on an annual basis, upon Purchaser’s request, the applicable Servicer shall provide Purchaser with copies of its audited financial statements upon execution by Purchaser of an agreement to keep confidential the Seller under this Section 6.05 apply to the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time contents of such statement is required to be deliveredfinancial statements.

Annual Independent Certified Public Accountants’ Servicing Report. On or Subject to Section 10.01(c), prior to March 15th 15 of each calendar year for each year in which the Purchaser (or an Affiliate of the Purchaser is required to file an annual report on Form 10-K in connection with any Securitization Transfer with the SEC, and upon request of the Purchaser for any other yearif not a Business Day, the Seller immediately preceding Business Day), the Servicer at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the SellerServicer’s servicing of residential mortgage loansloans of the same type as the Mortgage Loans pursuant to servicing agreements substantially similar to this Agreement, which agreements may include this Agreement, and that, on the basis of such an examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage BankersBankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, such firm is of the opinion that the SellerServicer’s servicing has been conducted in compliance with such programsthe agreements examined pursuant to this Section 6.05, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller Servicer to the Purchaser pursuant to this Section shall be delivered on or before March 15, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.052006. Copies of such statement shall be provided by the Seller Servicer to the Purchaser. The obligations In addition, on an annual basis, the Servicer shall provide the Purchaser with copies of its audited financial statements upon execution by the Seller under this Section 6.05 apply Purchaser of an agreement to keep confidential the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time contents of such statement is required to be deliveredfinancial statements.

Annual Independent Certified Public Accountants’ Servicing Report. On or Subject to Section 10.01(c), prior to March 15th 15 of each calendar year for each year in which the Purchaser (or an Affiliate of the Purchaser is required to file an annual report on Form 10-K in connection with any Securitization Transfer with the SEC, and upon request of the Purchaser for any other yearif not a Business Day, the Seller immediately preceding Business Day), the Servicer at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Purchaser to the effect that such firm has examined certain documents and records relating to the Seller’s Servicer's servicing of residential mortgage loansloans of the same type as the Mortgage Loans pursuant to servicing agreements substantially similar to this Agreement, which agreements may include this Agreement, and that, on the basis of such an examination, conducted substantially in compliance with the Uniform Single Attestation Program for Mortgage BankersBankers or the Audit Guide for HUD Approved Title II Approved Mortgagees and Loan Correspondent Programs, such firm is of the opinion that the Seller’s Servicer's servicing has been conducted in compliance with such programsthe agreements examined pursuant to this Section 6.05, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement. The first statement delivered by the Seller Servicer to the Purchaser pursuant to this Section shall be delivered on or before March 15, 2005, or such other date as may be required pursuant to the first sentence of this Section 6.052006. Copies of such statement shall be provided by the Seller Servicer to the Purchaser. The obligations In addition, on an annual basis, the Servicer shall provide the Purchaser with copies of its audited financial statements upon execution by the Seller under this Section 6.05 apply Purchaser of an agreement to keep confidential the Seller for any year in which the Seller during the prior calendar year (or any portion thereof) serviced a Mortgage Loan pursuant to this Agreement, whether or not the Seller is acting as the servicer at the time contents of such statement is required to be deliveredfinancial statements.