Common use of Covenants of Servicer Clause in Contracts

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach.......................................24 Section 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25

Covenants of Servicer. 24 Section 4.07 SECTION 4.07. Purchase of Receivables upon Breach........................................................24 Section 4.08 SECTION 4.08. Servicing Fee.............................................................24 Section 4.09 .......................................25 SECTION 4.09. Servicer's Certificate....................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report.................................................25

Covenants of Servicer. 24 Section 4.07 30 SECTION 3.08 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ............................30 SECTION 3.09 Total Servicing Fee.............................................................24 Section 4.09 ; Payment of Certain Expenses by Servicer......................................................30 SECTION 3.10 Servicer's Certificate....................................................24 Section 4.10 .........................................31 SECTION 3.11 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...........31 SECTION 3.12 Annual Independent Certified Public Accountants' Report...................25.....................................31 SECTION 3.13 Access to Certain Documentation and Information Regarding Receivables..........................................32 TABLE OF CONTENTS (CONTINUED) PAGE

Covenants of Servicer. 24 Section 4.07 25 SECTION 8.10 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ................................. 25 SECTION 8.11 Servicing Fee.............................................................24 Section 4.09 ....................................................... 26 SECTION 8.12 Servicer's Certificate....................................................24 Section 4.10 .............................................. 26 SECTION 8.13 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ................ 27 SECTION 8.14 Annual Independent Certified Public Accountants' Accountant's Report...................25............. 28 SECTION 8.15 Access to Certain Documentation and Information Regarding Receivables......................................................... 28 SECTION 8.16

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach...............................................................................................24 Section 4.08 Servicing Fee...........................................................................................................................................24 Section 4.09 Servicer's Certificate.........................................................................................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default.............................................................25 Section 4.11 Annual Independent Certified Public Accountants' Report.......................................................25

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section .................................................. 31 SECTION 4.07 Servicing Fee and Expenses........................................................... 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................................... 31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ................................. 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25.............................. 32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables................ 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 29 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ..................................................29 SECTION 4.07 Servicing Fee and Expenses...........................................................30 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ...............................................................30 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .................................30 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25..............................31 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables..........................................................................31 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 33 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ..............................33 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 ....................................................34 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 ...........................................34 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ................................35 SECTION 4.10 Annual Independent Certified Public Accountants' Audit Report...................25.............................................35

Covenants of Servicer. 24 Section 4.07 28 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 ....................28 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 ..........................................29 SECTION 4.9 Servicer's Certificate....................................................24 Section .................................29 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section ...29 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25.................................................30 SECTION 4.12 Access to Certain Documentation and Information Regarding Receivables..................................30 SECTION 4.13

Covenants of Servicer. 24 34 Section 4.07 3.7. Purchase of Receivables by Servicer upon Breach.......................................24 ...................... 34 Section 4.08 3.8. Servicing Fee.............................................................24 Compensation................................ 34 Section 4.09 3.9. Servicer's Certificate....................................................24 Report..................................... 35 Section 4.10 3.10. Annual Statement as to Compliance; Notice of Default......................25 ..................... 35 Section 4.11 3.11. Annual Independent Certified Public Accountants' Report...................25............................................... 36 Section 3.12. Access to Certain Documentation and Information Regarding Receivables................................ 36 Section 3.13. Reports to the Commission............................. 37 Section 3.14. Reports to the Rating Agency.......................... 37 Section 3.15.

Covenants of Servicer. 24 22 Section 4.07 3.07 Purchase of Receivables upon Upon Breach.......................................24 ...............................................22 Section 4.08 3.08 Servicing Fee.............................................................24 .....................................................................22 Section 4.09 3.09 Servicer's Certificate....................................................24 ............................................................22 Section 4.10 3.10 Annual Statement as to Compliance; Notice of Default......................25 ..............................23 Section 4.11 3.11 Annual Independent Certified Public Accountants' Accountant's Report...................25...........................23 Section 3.12 Access to Certain Documentation and Information Regarding Receivables.............23 Section 3.13

Covenants of Servicer. 24 19 Section 4.07 Purchase of Receivables upon Upon Breach.......................................24 ................20 Section 4.08 Servicing Fee.............................................................24 ......................................20 Section 4.09 Servicer's Certificate....................................................24 .............................20 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 .................................20 Section 4.11 Annual Independent Certified Public Accountants' Accountant's Report...................25...............................21 Section 4.12 Access to Certain Documentation and Information Regarding Receivables.................22

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach..............................................................................................................24 Section 4.08 Servicing Fee..........................................................................................................................................................24 Section 4.09 Servicer's Certificate........................................................................................................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default............................................................................25 Section 4.11 Annual Independent Certified Public Accountants' Report......................................................................25

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ............................................ 31 SECTION 4.07 Servicing Fee and Expenses..................................................... 32 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ......................................................... 32 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ........................... 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25........................ 33 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables.......... 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 37 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 .................. 37 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 ........................................ 38 SECTION 4.9 Servicer's Certificate....................................................24 Section ............................... 38 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section . 39 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25............................................... 39 SECTION 4.12 Access to Certain Documentation and Information Regarding Receivables................................ 40 SECTION 4.13

Covenants of Servicer. 24 23 Section 4.07 13.07 Purchase of Receivables upon Upon Breach.................................................................................................23 Section 13.08 Servicing Fee................................................................................24 Section 4.08 Servicing Fee.............................................................24 Section 4.09 13.09 Servicer's Certificate...........................................................................................................................24 Section 4.10 13.10 Annual Statement as to Compliance; Notice of Default......................25 .........................................24 Section 4.11 13.11 Annual Independent Certified Public Accountants' Accountant's Report.........................................................25

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ............................................30 SECTION 4.07 Servicing Fee and Expenses.....................................................31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 .........................................................31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...........................31 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25........................32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables...................................................................32 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 13 SECTION 4.7. Purchase of Receivables by Servicer upon Breach.......................................24 Section 4.08 ..................13 SECTION 4.8. Servicing Fee.............................................................24 Section 4.09 .....................................14 SECTION 4.9. Servicer's Certificate....................................................24 Section 4.10 Report.................................14 SECTION 4.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...........................................15 SECTION 4.11. Annual Independent Certified Public Accountants' Report...................25............................................15 SECTION 4.12. Access to Certain Documentation and Information Regarding Receivables.............................16 SECTION 4.13. Reports to the Commission.........................16 SECTION 4.14. Reports to the Rating Agencies....................16 SECTION 4.15.

Covenants of Servicer. 24 29 Section 4.07 4.07. Purchase of Receivables upon Upon Breach.......................................24 ..........................30 Section 4.08 4.08. Servicing Fee.............................................................24 ................................................31 Section 4.09 4.09. Servicer's Certificate....................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25.......................................31

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section .................................................. 31 SECTION 4.07 Servicing Fee and Expenses........................................................... 32 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................................... 32 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ................................. 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25.............................. 33 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables................ 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 29 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 ....................... 30 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 ............................................. 30 SECTION 4.9 Servicer's Certificate....................................................24 Section .................................... 31 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section ...... 30 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25.................................................... 32

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ............................... 30 SECTION 4.07 Servicing Fee and Expenses........................................ 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................ 31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .............. 31 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25........... 32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables....................................................... 33 SECTION 4.12

Covenants of Servicer. 24 Section 20 SECTION 4.07 Purchase by Servicer of Receivables upon Breach.......................................24 Section ..................20 SECTION 4.08 Servicing Fee.............................................................24 Section ....................................................20 SECTION 4.09 Servicer's Certificate....................................................24 Section ...........................................20 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section .............21 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25..........21 SECTION 4.12 Access to Certain Documentation and Information Regarding Receivables......................................................21 SECTION 4.13

Covenants of Servicer. 24 13 Section 4.07 Purchase of Receivables upon Breach.......................................24 .........................13 Section 4.08 Servicing Fee.............................................................24 ...............................................13 Section 4.09 Servicer's Certificate....................................................24 ......................................13 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 ........13 Section 4.11 Annual Independent Certified Public Accountants' Report...................25.....14 Section 4.12 Access to Certain Documentation and Information Regarding Receivables.......................................14 Section 4.13

Covenants of Servicer. 24 48 Section 4.07 13.7 Purchase of Receivables upon Upon Breach.......................................24 ................................................. 49 Section 4.08 13.8 Servicing Fee.............................................................24 .......................................... 49 Section 4.09 13.9 Servicer's Certificate....................................................24 ................................. 50 Section 4.10 13.10 Annual Statement as to Compliance; Notice of Default......................25 ...................... 51 Section 4.11 13.11 Annual Independent Certified Public Accountants' Audit Report...................25.................................... 51 Section 13.12 Access to Certain Documentation and Information Regarding Receivables...................... 52 Section 13.13 Reports to Certificateholders and the Rating Agencies.................................... 52 Section 13.14 Insurance.............................................. 52 ARTICLE XIV

Covenants of Servicer. 24 21 Section 4.07 3.07 Purchase of Receivables upon Upon Breach.......................................24 ...............................................22 Section 4.08 3.08 Servicing Fee.............................................................24 .....................................................................22 Section 4.09 3.09 Servicer's Certificate....................................................24 ............................................................22 Section 4.10 3.10 Annual Statement as to Compliance; Notice of Default......................25 ..............................22 Section 4.11 3.11 Annual Independent Certified Public Accountants' Accountant's Report...................25...........................23 Section 3.12 Access to Certain Documentation and Information Regarding Receivables.............23 Section 3.13

Covenants of Servicer. 24 Section 4.07 4.07. Purchase of Receivables upon Upon Breach..............................................................................................24 Section 4.08 4.08. Servicing Fee.............................................................24 .............................................................................25 Section 4.09 4.09. Servicer's Certificate....................................................24 ....................................................................25 Section 4.10 4.10. Annual Statement as to Compliance; Notice of Default......................Servicer Termination Event...................25 Section 4.11 4.11. Annual Independent Certified Public Accountants' Report...................25....................................................25 Section 4.12. Access to Certain Documentation and Information Regarding Receivables.....................26

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach.......................................Breach ............................................... 24 Section 4.08 Servicing Fee.............................................................24 Fee ..................................................................... 25 Section 4.09 Servicer's Certificate....................................................24 Certificate ............................................................ 25 Section 4.10 Annual Statement as to Compliance; Notice of Default......................Default .............................. 25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25Report ........................... 26 Section 4.12 Access to Certain Documentation and Information Regarding Receivables ............. 26 Section 4.13

Covenants of Servicer. 24 Section 4.07 33 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ..........................................................33 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 ................................................................................33 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 .......................................................................34 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ............................................................34 SECTION 4.10 Annual Independent Certified Public Accountants' Audit Report...................25..........................................................................35

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ...........................................................32 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 .................................................................................32 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 ........................................................................33 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .............................................................33 SECTION 4.10 Annual Independent Certified Public Accountants' Audit Report...................25..........................................................................33

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section .........................................31 SECTION 4.07 Servicing Fee and Expenses..................................................31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ......................................................31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ........................32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25.....................32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables.................................................................33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 28 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 ...................................................29 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 .........................................................................29 SECTION 4.9 Servicer's Certificate....................................................24 Section ................................................................29 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section ..................................31 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25...............................31

Covenants of Servicer. 24 Section 4.07 SECTION 8.07. Purchase of Receivables upon Upon Breach..........................................................24 Section 4.08 SECTION 8.08. Servicing Fee......................................................................................................24 Section 4.09 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 ................................25 SECTION 8.10. Annual Statement as to Compliance; Notice of Default........................25 Section 4.11 SECTION 8.11. Annual Independent Certified Public Accountants' Accountant's Report...................25...........................26 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables.....................26 SECTION 8.13.

Covenants of Servicer. 24 Section 4.07 28 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section .......................................................28 SECTION 4.07 Servicing Fee and Expenses................................................................29 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ....................................................................29 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ......................................30 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25...................................30 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables...............................................................................31 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section .................................................. 30 SECTION 4.07 Servicing Fee and Expenses........................................................... 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................................... 31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ................................. 31 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25.............................. 32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables................ 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section .....................................31 SECTION 4.07 Servicing Fee and Expenses..............................................32 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ..................................................32 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ....................32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25.................33 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables...................................................33 SECTION 4.12

Covenants of Servicer. 24 21 Section 4.07 Purchase of Receivables upon Breach.......................................24 ....................21 Section 4.08 Servicing Fee.............................................................24 ..........................................22 Section 4.09 Servicer's Certificate....................................................24 .................................22 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 ...22 Section 4.11 Annual Independent Certified Public Accountants' Report...................25.................................................23 Section 4.12 Access to Certain Documentation and Information Regarding Receivables..................................23 Section 4.13

Covenants of Servicer. 24 Section 4.07 32 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ......................................32 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 ............................................................33 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 ...................................................33 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section ........................................34 SECTION 4.10 Annual Audit Report.....................................................34 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25Access by Holders to Certain Documentation and Information Regarding Receivables...................................................35 SECTION 4.12 Reports to Holders and the Rating Agencies..............................35 SECTION 4.13 Reports to the Securities and Exchange Commission.......................35

Covenants of Servicer. 24 19 Section 4.07 Purchase of Receivables upon Upon Breach.......................................24 ................................................................20 Section 4.08 Servicing Fee.............................................................24 ......................................................................................20 Section 4.09 Servicer's Certificate....................................................24 .............................................................................20 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 ...............................................20 Section 4.11 Annual Independent Certified Public Accountants' Accountant's Report...................25............................................21 Section 4.12 Access to Certain Documentation and Information Regarding Receivables..............................22

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ............................................ 31 SECTION 4.07 Servicing Fee and Expenses..................................................... 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ......................................................... 31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ........................... 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25........................ 32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables.......... 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 37 SECTION 8.10 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 .......................... 38 SECTION 8.11 Servicing Fee.............................................................24 Section 4.09 ................................................ 39 SECTION 8.12 Servicer's Certificate....................................................24 Section 4.10 ....................................... 39 SECTION 8.13 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ......... 40 SECTION 8.14 Annual Independent Certified Public Accountants' Accountant's Report...................25...... 40 SECTION 8.15 Access to Certain Documentation and Information Regarding Receivables.................................................. 41 SECTION 8.16

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach..............................................................24 Section 4.08 Servicing Fee..........................................................................................................24 Section 4.09 Servicer's Certificate........................................................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default............................25 Section 4.11 Annual Independent Certified Public Accountants' Report......................25

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 ...................................................30 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 .........................................................................31 SECTION 4.9 Servicer's Certificate....................................................24 Section ................................................................31 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section ..................................31 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25...............................32

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach..............................................................24 Section 4.08 Servicing Fee..........................................................................................................24 Section 4.09 Servicer's Certificate........................................................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default.........................................................................25 Section 4.11 Annual Independent Certified Public Accountants' Report..........................................................25

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach..........................................................................................24 Section 4.08 Servicing Fee......................................................................................................................................24 Section 4.09 Servicer's Certificate....................................................................................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default........................................................25 Section 4.11 Annual Independent Certified Public Accountants' Report..................................................25

Covenants of Servicer. 24 Section 4.07 37 SECTION 8.10 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ................... 38 SECTION 8.11 Servicing Fee.............................................................24 Section 4.09 ......................................... 39 SECTION 8.12 Servicer's Certificate....................................................24 Section 4.10 ................................ 39 SECTION 8.13 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .. 40 SECTION 8.14 Annual Independent Certified Public Accountants' Accountant's Report...................25................................................ 40 SECTION 8.15 Access to Certain Documentation and Information Regarding Receivables................................. 41 SECTION 8.16

Covenants of Servicer. 24 Section 4.07 32 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ...........................33 SECTION 4.07 Servicing Fee and Expenses....................................33 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ........................................33 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ..........34 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25.......35 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables.........................................35 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ................................ 31 SECTION 4.07 Servicing Fee and Expenses......................................... 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................. 31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ............... 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25............ 32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables........................................................ 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 31 SECTION 3.8 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ..........................31 SECTION 3.9 Total Servicing Fee.............................................................24 Section 4.09 ; Payment of Certain Expenses by Servicer ....................................................31 SECTION 3.10 Servicer's Certificate....................................................24 Section 4.10 .......................................32 SECTION 3.11 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .........32 SECTION 3.12 Annual Independent Certified Public Accountants' Report...................25...................................32 TABLE OF CONTENTS (continued) Page

Covenants of Servicer. 24 Section 4.07 29 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section Breach .................................... 30 SECTION 4.07 Servicing Fee and Expenses ............................................. 30 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 Certificate ................................................. 30 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Default ................... 31 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25Report ................................................................. 31 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables .................................................. 32 SECTION 4.12

Covenants of Servicer. 24 23 Section 4.07 Purchase of Receivables upon Upon Breach...............................................................................24 Section 4.08 Servicing Fee...........................................................................................................................24 Section 4.09 Servicer's Certificate....................................................24 .....................................................25 Section 4.10 Annual Statement as to Compliance; , Notice of Default......................Servicer Termination Event....25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25[Reserved].................................................................25 Section 4.12 Access to Certain Documentation and Information Regarding Receivables......25 Section 4.13

Covenants of Servicer. 24 Section 4.07 SECTION 4.07. Purchase of Receivables upon Breach......................................................................................24 Section 4.08 SECTION 4.08. Servicing Fee..................................................................................................................................24 Section 4.09 SECTION 4.09. Servicer's Certificate....................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25............................................................24

Covenants of Servicer. 24 Section 4.07 37 SECTION 4.08 Purchase of Receivables upon Breach.......................................24 Section 4.08 ............................38 SECTION 4.09 Servicing Fee.............................................................24 Section 4.09 Fee and Expenses ....................................38 SECTION 4.10 Servicer's Certificate....................................................24 Section 4.10 Certificate ........................................39 SECTION 4.11 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...........39 SECTION 4.12 Annual Independent Certified Public Accountants' Report...................25Report ....................................39 SECTION 4.13 Access to Certain Documentation and Information Regarding Receivables........................................40 SECTION 4.14

Covenants of Servicer. 24 Section 4.07 SECTION 8.07. Purchase of Receivables upon Upon Breach..........................................................24 Section 4.08 SECTION 8.08. Servicing Fee.............................................................24 Section 4.09 .........................................25 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 ................................25 SECTION 8.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ..26 SECTION 8.11. Annual Independent Certified Public Accountants' Accountant's Report...................25...........................26 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables.....................27 SECTION 8.13.

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach.........................................................................................................24 Section 4.08 Servicing Fee.....................................................................................................................................................24 Section 4.09 Servicer's Certificate...................................................................................................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default.......................................................................25 Section 4.11 Annual Independent Certified Public Accountants' Report.................................................................25

Covenants of Servicer. 24 Section 4.07 29 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ................................... 30 SECTION 4.07 Servicing Fee and Expenses............................................ 30 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ................................................ 30 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .................. 31 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25............... 31 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables........................................................... 32 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 25 SECTION 8.07. Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ...................26 SECTION 8.08. Servicing Fee.............................................................24 Section 4.09 .........................................26 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 ................................26 SECTION 8.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...............................27 SECTION 8.11. Annual Independent Certified Public Accountants' Accountant's Report...................25............27 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables...............28

Covenants of Servicer. 24 Section 4.07 25 SECTION 8.07. Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ...................26 SECTION 8.08. Servicing Fee.............................................................24 Section 4.09 .........................................26 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 ................................26 SECTION 8.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...............................27 SECTION 8.11. Annual Independent Certified Public Accountants' Accountant's Report...................25.............................27 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables...............28

Covenants of Servicer. 24 Section 4.07 45 SECTION 4.6. Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ......................................... 46 SECTION 4.7. Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................................... 46 SECTION 4.8. Monthly Report.............................................................. 47 SECTION 4.9. Annual Statement as to Compliance; Notice ........................................... 47 SECTION 4.10. Annual Report of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25................................................ 48 SECTION 4.11. Access by Holders to Certain Documentation and Information Regarding Receivables............................................................ 48 SECTION 4.12. Reports to Holders and the Rating Agencies............................................................... 48

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ..................................31 SECTION 4.07 Servicing Fee and Expenses...........................................31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ...............................................32 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .................32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25..............33 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables..........................................................33 SECTION 4.12

Covenants of Servicer. 24 31 Section 4.07 3.7. Purchase of Receivables by Servicer upon Breach.......................................24 ..................................... 32 Section 4.08 3.8. Servicing Fee.............................................................24 Compensation............................................... 32 Section 4.09 3.9. Servicer's Certificate....................................................24 Report.................................................... 33 Section 4.10 3.10. Annual Statement as to Compliance; Notice of Default......................25 .................................... 33 Section 4.11 3.11. Annual Independent Certified Public Accountants' Report...................25............................................................... 34 Section 3.12. Access to Certain Documentation and Information Regarding Receivables................................................ 34 Section 3.13. Reports to the Commission............................................ 34 Section 3.14. Reports to the Rating Agency......................................... 34 Section 3.15. Servicer Expenses.................................................... 34

Covenants of Servicer. 24 Section 4.07 30 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section ................................................ 31 SECTION 4.07 Servicing Fee and Expenses......................................................... 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 ............................................................. 31 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ............................... 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25............................ 32 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables.............. 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 11 SECTION 4.6. Purchase of Receivables upon Breach.......................................24 Section 4.08 .................12 SECTION 4.7. Servicing Fee.............................................................24 Section 4.09 .......................................12 SECTION 4.8. Servicer's Certificate....................................................24 Section 4.10 ..............................12 SECTION 4.9. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ............................................12 SECTION 4.10. Annual Independent Certified Public Accountants' Report...................25.............................................13 SECTION 4.11. Access to Certain Documentation and Information Regarding Receivables..............................13

Covenants of Servicer. 24 Section 4.07 Purchase of Receivables upon Breach......................................................................................... 24 Section 4.08 Servicing Fee..................................................................................................................................... 24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report.................................................................................. 25

Covenants of Servicer. 24 Section 4.07 33 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 .................... 33 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 .......................................... 33 SECTION 4.9 Servicer's Certificate....................................................24 Section ................................. 33 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25... 34 SECTION 4.11

Covenants of Servicer. 24 Section 4.07 25 SECTION 8.07. Purchase of Receivables upon Breach.......................................24 Section 4.08 Upon Breach .......... 25 SECTION 8.08. Servicing Fee.............................................................24 Section 4.09 Fee ................................ 25 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 Certificate ....................... 26 SECTION 8.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Default ............................ 26 SECTION 8.11. Annual Independent Certified Public Accountants' Report...................25Accountant's Report .......................... 26 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables ............ 27 SECTION 8.13.

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.08 Purchase of Receivables upon Breach.......................................24 Section 4.08 ..................................................32 SECTION 4.09 Servicing Fee.............................................................24 Section 4.09 Fee and Expenses...........................................................32 SECTION 4.10 Servicer's Certificate....................................................24 Section 4.10 ...............................................................33 SECTION 4.11 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .................................33 SECTION 4.12 Annual Independent Certified Public Accountants' Report...................25...........................................................33 SECTION 4.13 Access to Certain Documentation and Information Regarding Receivables................................................................34 SECTION 4.14

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.06 Purchase of Receivables upon Breach.......................................24 Section Breach ............................ 31 SECTION 4.07 Servicing Fee and Expenses ..................................... 31 SECTION 4.08 Servicing Fee.............................................................24 Section 4.09 Servicer's Certificate....................................................24 Section 4.10 Certificate ......................................... 32 SECTION 4.09 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Default ........... 32 SECTION 4.10 Annual Independent Certified Public Accountants' Report...................25Report ........ 33 SECTION 4.11 Access to Certain Documentation and Information Regarding Receivables .................................................... 33 SECTION 4.12

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ............................. 31 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 ................................................... 32 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 .......................................... 32 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section ............................... 33 SECTION 4.10 Annual Audit Report............................................ 33 Page SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25Access by Holders to Certain Documentation and Information Regarding Receivables......................... 34 SECTION 4.12 Reports to Holders and the Rating Agencies..................... 34 SECTION 4.13 Reports to the Securities and Exchange Commission.............. 35 ARTICLE V

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ..............................32 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 Fee ...................................................32 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 ...........................................32 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section ................................33 SECTION 4.10 Annual Audit Report..............................................33 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25Access by Holders to Certain Documentation and Information Regarding Receivables............................................34 SECTION 4.12 Reports to Holders and the Rating Agencies.......................34 SECTION 4.13 Reports to the Securities and Exchange Commission................35 ARTICLE V

Covenants of Servicer. 24 Section 4.07 34 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ................................................. 34 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 ....................................................................... 35 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 .............................................................. 35 SECTION 4.9 Annual Statement as to Compliance................................................... 36 ARTICLE V ACCOUNTS; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25DISTRIBUTIONS; STATEMENTS TO CERTIFICATEHOLDERS

Covenants of Servicer. 24 Section 4.07 25 SECTION 8.07. Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ...................26 SECTION 8.08. Servicing Fee.............................................................24 Section 4.09 .........................................26 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 ................................26 SECTION 8.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...................................27 SECTION 8.11. Annual Independent Certified Public Accountants' Accountant's Report.................................27 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables...................2527 SECTION 8.13.

Covenants of Servicer. 24 Section 4.07 33 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ...........................................................33 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 Fee 33 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 ........................................................................34 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .............................................................34 SECTION 4.10 Annual Independent Certified Public Accountants' Audit Report...................25..........................................................................35

Covenants of Servicer. 24 Section 4.07 25 SECTION 8.07. Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ...................26 SECTION 8.08. Servicing Fee.............................................................24 Section 4.09 .........................................26 SECTION 8.09. Servicer's Certificate....................................................24 Section 4.10 ................................26 SECTION 8.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...............................27 SECTION 8.11. Annual Independent Certified Public Accountants' Accountant's Report...................25......................27 SECTION 8.12. Access to Certain Documentation and Information Regarding Receivables...............27 SECTION 8.13.

Covenants of Servicer. 24 20 Section 4.07 Purchase of Receivables upon Upon Breach.......................................24 ................................................................20 Section 4.08 Servicing Fee.............................................................24 ......................................................................................21 Section 4.09 Servicer's Certificate....................................................24 .............................................................................21 Section 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 Annual Independent Certified Public Accountants' Report...................25...............................................21

Covenants of Servicer. 24 Section 4.07 26 SECTION 4.07. Purchase by Servicer of Receivables upon Breach.......................................24 Section 4.08 ................26 SECTION 4.08. Servicing Fee.............................................................24 Section 4.09 ..................................................26 SECTION 4.09. Servicer's Certificate....................................................24 Section 4.10 .........................................26 SECTION 4.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ...........27 SECTION 4.11. Annual Independent Certified Public Accountants' Report...................25........27

Covenants of Servicer. 24 Section 4.07 25 SECTION 4.07. Purchase by Servicer of Receivables upon Breach.......................................24 Section 4.08 .................25 SECTION 4.08. Servicing Fee.............................................................24 Section 4.09 ...................................................25 SECTION 4.09. Servicer's Certificate....................................................24 Section 4.10 ..........................................25 SECTION 4.10. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 ............26 SECTION 4.11. Annual Independent Certified Public Accountants' Report...................25.........26

Covenants of Servicer. 24 Section 4.07 35 SECTION 4.7 Purchase of Receivables upon Breach.......................................24 Section 4.08 Breach .................................................. 36 SECTION 4.8 Servicing Fee.............................................................24 Section 4.09 Fee ........................................................................ 36 SECTION 4.9 Servicer's Certificate....................................................24 Section Certificate ............................................................... 36 SECTION 4.10 Annual Statement as to Compliance; Notice of Default......................25 Section Default ................................. 38 SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25Report .............................. 38 SECTION 4.12 Access to Certain Documentation and Information Regarding Receivables ................ 39 SECTION 4.13

Covenants of Servicer. 24 Section 4.07 13 SECTION 4.6. Purchase of Receivables upon Breach.......................................24 Section 4.08 ......................13 SECTION 4.7. Servicing Fee.............................................................24 Section 4.09 ............................................14 SECTION 4.8. Servicer's Certificate....................................................24 Section 4.10 ...................................14 SECTION 4.9. Annual Statement as to Compliance; Notice of Default......................25 Section 4.11 .....14 SECTION 4.10. Annual Independent Certified Public Accountants' Report...................25..15

Covenants of Servicer. 24 Section 4.07 SECTION 8.07 Purchase of Receivables upon Upon Breach................................................................................. 24 Section 4.08 SECTION 8.08 Servicing Fee.............................................................24 Section 4.09 ................................................................ 25 SECTION 8.09 Servicer's Certificate....................................................24 Section 4.10 ....................................................... 25 SECTION 8.10 Annual Statement as to Compliance; Notice of Default............................................... 25 Section 4.11 SECTION 8.11 Annual Independent Certified Public Accountants' Account's Report...................25......................... 26 SECTION 8.12 Access to Certain Documentation and Information Regarding Receivables........ 27 SECTION 8.13

Covenants of Servicer. 24 Section 4.07 6.6 Purchase of Receivables upon Upon Breach.......................................................................................24 Section 4.08 6.7 Servicing Fee.............................................................24 ......................................................................25 Section 4.09 6.8 Servicer's Certificate....................................................24 .............................................................25 Section 4.10 6.9 Annual Statement as to Compliance; Notice of Default........................................................................25 Section 4.11 6.10 Annual Independent Certified Public Accountants' Audit Report...................25................................................................26 Section 6.11 Reports to Certificateholders and the Rating Agencies..............................26 Section 6.12 Insurance..........................................................................27 ARTICLE VII DISTRIBUTIONS; STATEMENTS TO CERTIFICATEHOLDERS

Covenants of Servicer. 24 11 Section 4.07 3.7 Purchase of Receivables upon Upon Breach.......................................24 ..........................................11 Section 4.08 Servicing 3.8 Servicer Fee.............................................................24 .................................................................12 Section 4.09 3.9 Servicer's Certificate....................................................24 .......................................................12 Section 4.10 3.10 Annual Statement as to Compliance; Notice of Default......................25 Event of Servicing Termination..12 Section 4.11 3.11 Annual Independent Certified Public Accountants' Accountant's Report...................25......................13 Section 3.12 Access to Certain Documentation and Information Regarding Receivables........13 Section 3.13

Covenants of Servicer. 24 Section 4.07 31 SECTION 4.6 Purchase of Receivables upon Upon Breach.......................................24 Section 4.08 ............................31 SECTION 4.7 Servicing Fee.............................................................24 Section 4.09 Fee .................................................32 SECTION 4.8 Servicer's Certificate....................................................24 Section 4.10 .........................................32 SECTION 4.9 Annual Statement as to Compliance; Notice of Default......................25 Section ..............................32 SECTION 4.10 Annual Audit Report............................................33 Page SECTION 4.11 Annual Independent Certified Public Accountants' Report...................25Access by Holders to Certain Documentation and Information Regarding Receivables..........................................34 SECTION 4.12 Reports to Holders and the Rating Agencies.....................34 SECTION 4.13 Reports to the Securities and Exchange Commission..............34 ARTICLE V