Ge Capital Mortgage Services Inc – ‘8-K’ for 6/24/99 – EX-4.1

On:  Thursday, 7/8/99   ·   For:  6/24/99   ·   Accession #:  903423-99-270   ·   File #:  33-05042

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Current Report   —   Form 8-K
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Document/Exhibit                   Description                      Pages   Size 

 1: 8-K         Form 8-K Current Report                                5     31K 
 2: EX-1.1      Underwriting Agreement                                29±   123K 
 3: EX-4.1      Pooling and Servicing Agreement                      686±  3.49M 

EX-4.1   —   Pooling and Servicing Agreement
Exhibit Table of Contents

EX-4.1
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                                                                       Execution

================================================================================

 GE CAPITAL MORTGAGE SERVICES, INC.,

 Seller and Servicer

 and

STATE STREET BANK AND TRUST COMPANY,

 Trustee

 POOLING AND SERVICING AGREEMENT

Dated as of June 1, 1999

 GE Capital Mortgage Services, Inc.,

 1999-13 Trust

================================================================================

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                                Table of Contents                                                                  
                                                                                                               Page
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                                    ARTICLE I                                                                      
                                   DEFINITIONS                                                                     

                                                                                                                   
Section 1.01. Definitions.........................................................................................1

                                   ARTICLE II                                                                      
                          CONVEYANCE OF MORTGAGE LOANS;                                                            
                        ORIGINAL ISSUANCE OF CERTIFICATES                                                          

Section 2.01. Conveyance of Mortgage Loans.......................................................................34
Section 2.02. Acceptance by Trustee..............................................................................38
Section 2.03. Representations and Warranties of the Company; Mortgage Loan Repurchase............................39
Section 2.04. Execution of Certificates..........................................................................44
Section 2.05. Designations under the REMIC Provisions............................................................44

                                   ARTICLE III                                                                     
                 ADMINISTRATION AND SERVICING OF MORTGAGE LOANS                                                    

Section 3.01. Company to Act as Servicer.........................................................................45
Section 3.02. Collection of Certain Mortgage Loan Payments; Mortgage Loan Payment Record; Certificate Account....48
Section 3.03. Collection of Taxes, Assessments and Other Items...................................................51
Section 3.04. Permitted Debits to the Mortgage Loan Payment Record...............................................51
Section 3.05. Maintenance of the Primary Insurance Policies......................................................52
Section 3.06. Maintenance of Hazard Insurance....................................................................53
Section 3.07. Assumption and Modification Agreements.............................................................54
Section 3.08. Realization Upon Defaulted Mortgage Loans..........................................................54
Section 3.09. Trustee to Cooperate; Release of Mortgage Files....................................................57
Section 3.10. Servicing Compensation; Payment of Certain Expenses by the Company.................................58
Section 3.11. Reports to the Trustee.............................................................................58
Section 3.12. Annual Statement as to Compliance..................................................................58
Section 3.13. Annual Independent Public Accountants' Servicing Report............................................59
Section 3.14. Access to Certain Documentation and Information Regarding the Mortgage Loans.......................59
Section 3.15. Maintenance of Certain Servicing Policies..........................................................59
Section 3.16. Optional Purchase of Defaulted Mortgage Loans......................................................60
Section 3.17. Class A2 Interest Account and Class A4 Interest Account............................................60

                                   ARTICLE IV                                                                      
                             PAYMENTS AND STATEMENTS                                                               

Section 4.01. Distributions......................................................................................61
Section 4.02. Method of Distribution.............................................................................65
Section 4.03. Allocation of Losses...............................................................................66
Section 4.04. Monthly Advances; Purchases of Defaulted Mortgage Loans............................................68
Section 4.05. Statements to Certificateholders...................................................................69
Section 4.06. Servicer's Certificate.............................................................................71
Section 4.07. Reports of Foreclosures and Abandonments of Mortgaged Property.....................................71
Section 4.08. Reduction of Servicing Fees by Compensating Interest Payments......................................71
Section 4.09. Surety Bond........................................................................................71
Section 4.10. Distributions to Holders of Designated Retail Certificates.........................................72

                                    ARTICLE V                                                                      
                                THE CERTIFICATES                                                                   

Section 5.01. The Certificates...................................................................................76
Section 5.02. Registration of Transfer and Exchange of Certificates..............................................79
Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates..................................................84
Section 5.04. Persons Deemed Owners..............................................................................84
Section 5.05. Access to List of Certificateholders' Names and Addresses..........................................84
Section 5.06. Representation of Certain Certificateholders.......................................................85
Section 5.07. Determination of COFI..............................................................................85
Section 5.08. Determination of LIBOR.............................................................................86

                                   ARTICLE VI                                                                      
                                   THE COMPANY                                                                     

Section 6.01. Liability of the Company...........................................................................87
Section 6.02. Merger or Consolidation of, or Assumption of the Obligations of, the Company.......................87
Section 6.03. Assignment.........................................................................................87
Section 6.04. Limitation on Liability of the Company and Others..................................................87
Section 6.05. The Company Not to Resign..........................................................................88

                                   ARTICLE VII                                                                     
                                     DEFAULT                                                                       

Section 7.01. Events of Default..................................................................................88
Section 7.02. Trustee to Act; Appointment of Successor...........................................................90
Section 7.03. Notification to Certificateholders.................................................................90

                                  ARTICLE VIII                                                                     
                                   THE TRUSTEE                                                                     

Section 8.01. Duties of Trustee..................................................................................91
Section 8.02. Certain Matters Affecting the Trustee..............................................................92
Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans..............................................93
Section 8.04. Trustee May Own Certificates.......................................................................93
Section 8.05. The Company to Pay Trustee's Fees and Expenses.....................................................93
Section 8.06. Eligibility Requirements for Trustee...............................................................94
Section 8.07. Resignation or Removal of Trustee..................................................................94
Section 8.08. Successor Trustee..................................................................................95
Section 8.09. Merger or Consolidation of Trustee.................................................................95
Section 8.10. Appointment of Co-Trustee or Separate Trustee......................................................95
Section 8.11. Compliance with REMIC Provisions; Tax Returns......................................................96

                                   ARTICLE IX                                                                      
                                   TERMINATION                                                                     

Section 9.01. Termination upon Repurchase by the Company or Liquidation of All Mortgage Loans....................97
Section 9.02. Additional Termination Requirements................................................................98

                                    ARTICLE X                                                                      
                            MISCELLANEOUS PROVISIONS                                                               

Section 10.01. Amendment.........................................................................................99
Section 10.02. Recordation of Agreement.........................................................................100
Section 10.03. Limitation on Rights of Certificateholders.......................................................100
Section 10.04. Governing Law....................................................................................101
Section 10.05. Notices..........................................................................................101
Section 10.06. Notices to the Rating Agencies...................................................................101
Section 10.07. Severability of Provisions.......................................................................101
Section 10.08. Certificates Nonassessable and Fully Paid........................................................102

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Exhibits                                                                        
--------                                                                        

EXHIBIT A      Forms of Certificates                                            
EXHIBIT B      Principal Balance Schedules                                      
EXHIBIT C      Mortgage Loans (including list of Cooperative Loans)             
EXHIBIT D      Form of Servicer's Certificate                                   
EXHIBIT E      Form of Transfer Certificate as to ERISA Matters for Definitive  
ERISA-Restricted Certificates                 
EXHIBIT F      Form of Residual Certificate Transferee Affidavit                
EXHIBIT G      Form of Residual Certificate Transferor Letter                   
EXHIBIT H      Additional Servicer Compensation                                 
EXHIBIT I      Form of Investment Letter for Definitive Restricted Certificates 
EXHIBIT J      Form of Distribution Date Statement                              
EXHIBIT K      Form of Special Servicing and Collateral Fund Agreement          
EXHIBIT L      Form of Lost Note Affidavit and Agreement                        
EXHIBIT M      Schedule of Designated Loans                                     
EXHIBIT N      Schedule of Pledged Asset Mortgage Loans                         
EXHIBIT O      Senior Principal Priorities                                      

EX-4.1
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    THIS POOLING AND SERVICING AGREEMENT, dated as of June 1, 1999, between GE
CAPITAL MORTGAGE SERVICES, INC., a corporation organized and existing under the 
laws of the State of New Jersey, and STATE STREET BANK AND TRUST COMPANY, a     
Massachusetts banking corporation, as Trustee.                                  

 W I T N E S S E T H T H A T :

In consideration of the mutual agreements herein contained, GE Capital
Mortgage Services, Inc. and State Street Bank and Trust Company agree as        
follows:                                                                        

 ARTICLE I

 DEFINITIONS

   Section 1.01. Definitions. Whenever used in this Agreement, the following
words and phrases, unless the context otherwise requires, shall have the        
following meanings:                                                             

Accretion Directed Certificate: None.                       

Accretion Directed Component: None.                         

Accretion Termination Date: None.                           

   Accrual Amount: As to any Class of Accrual Certificates and any
    Accrual Component and each Distribution Date through the related Accretion
     Termination Date, the sum of (x) any amount of Accrued Certificate Interest
     allocable to such Class or Component pursuant to Section 4.01(a)(i) on such
 Distribution Date and (y) any amount of Unpaid Class Interest Shortfall
 allocable to such Class or Component pursuant to Section 4.01(a)(ii) on
    such Distribution Date, to the extent that such amounts are distributed to
   any Accretion Directed Certificates and any Accretion Directed Components
  pursuant to Section 4.01(e). As to any Class of Accrual Certificates and
any Accrual Component and each Distribution Date after the related    
Accretion Termination Date, zero.                                     

Accrual Certificates: None.                                 

Accrual Component: None.                                    

     Accrued Certificate Interest: As to any Distribution Date and any
    Class of Certificates (other than any Class of Principal Only Certificates
     and any Class of Certificates consisting of Specified Components), interest
accrued during the related Interest Accrual Period at the applicable  
   Certificate Interest Rate on the Class Certificate Principal Balance (or,
  in the case of any Class of Notional Certificates other than the Class S
Certificates, on the aggregate Notional Principal Balance) thereof    
   immediately prior to (or, in the case of the Class S Certificates, on the
aggregate Notional Principal Balance thereof with respect to) such    
    Distribution Date, calculated on the basis of a 360-day year consisting of
twelve 30-day months. As to any Distribution Date and any Specified   
Component (other than any Principal Only Component), interest accrued 
during the related Interest Accrual Period at the applicable Component
 Interest Rate on the Component Principal Balance (or Notional Component
 Principal Balance) thereof immediately prior to such Distribution Date,
calculated on the basis of a 360-day year consisting of twelve 30-day 
months. As to any Distribution Date and any Class of Certificates     
  consisting of Specified Components, the aggregate of Accrued Certificate
Interest on such Specified Components for such Distribution Date.     

          Accrued Certificate Interest on each Class of Certificates (other than
any Class of Principal Only Certificates and any Class of Certificates
     consisting of Specified Components) and any Specified Component (other than
     any Principal Only Component) shall be reduced by such Class's or Specified
    Component's share of the amount of any Net Interest Shortfall and Interest
    Losses for such Distribution Date. Any Net Interest Shortfall and Interest
     Losses shall be allocated among (x) the Classes of Certificates (other than
any Class of Principal Only Certificates and any Class of Certificates
     consisting of Specified Components) and (y) the Specified Components (other
than any Principal Only Component) of any Component Certificate in    
   proportion to the respective amounts of Accrued Certificate Interest that
would have resulted absent such shortfall or losses.                  

       Additional Collateral: With respect to any Mortgage 100SM Loan, the
    marketable securities held from time to time as security for the repayment
     of such Mortgage 100SM Loan and any related collateral. With respect to any
Parent PowerSM Loan, the third-party guarantee for such Parent PowerSM
     Loan, together with (i) any marketable securities held from time to time as
   security for the performance of such guarantee and any related collateral
    or (ii) any mortgaged property securing the performance of such guarantee,
 the related home equity line of credit loan and any related collateral.

      Agreement: This Pooling and Servicing Agreement and all amendments
hereof and supplements hereto.                                        

Allocable Share: (a) As to any Distribution Date and amounts
     distributable pursuant to clauses (i) and (iii) of the definition of Junior
    Optimal Principal Amount, and as to each Class of Junior Certificates, the
  fraction, expressed as a percentage, the numerator of which is the Class
     Certificate Principal Balance of such Class and the denominator of which is
the aggregate Class Certificate Principal Balance of the Junior       
Certificates.                                                         

         (b) As to any Distribution Date and amounts distributable pursuant to
  clauses (ii), (iv) and (v) of the definition of Junior Optimal Principal
Amount, and as to the Class M Certificates and each Class of Class B  
     Certificates for which the related Prepayment Distribution Trigger has been
satisfied on such Distribution Date, the fraction, expressed as a     
percentage, the numerator of which is the Class Certificate Principal 
   Balance of such Class and the denominator of which is the aggregate Class
   Certificate Principal Balance of all such Classes. As to any Distribution
Date and each Class of Class B Certificates for which the related     
     Prepayment Distribution Trigger has not been satisfied on such Distribution
Date, 0%.                                                             

        Amortization Payment: As to any REO Mortgage Loan and any month, the
   payment of principal and accrued interest due in such month in accordance
with the terms of the related Mortgage Note as contemplated by Section
3.08(b).                                                              

          Amount Held for Future Distribution: As to each Distribution Date, the
     total of all amounts credited to the Mortgage Loan Payment Record as of the
preceding Determination Date on account of (i) Principal Prepayments, 
Insurance Proceeds and Liquidation Proceeds received subsequent to the
   preceding Prepayment Period applicable to such receipts, and (ii) monthly
payments of principal and interest due subsequent to the preceding Due
Date.                                                                 

       Anniversary Determination Date: The Determination Date occurring in
     July of each year that the Certificates are outstanding, commencing in July
2000.                                                                 

        Assignment of Proprietary Lease: With respect to a Cooperative Loan,
   the assignment of the related Proprietary Lease from the Mortgagor to the
originator of the Cooperative Loan.                                   

          Assumed Monthly Payment Reduction: As of any Anniversary Determination
 Date and as to any Non-Primary Residence Loan remaining in the Mortgage
  Pool whose original principal balance was 80% or greater of the Original
    Value thereof, the excess of (i) the Monthly Payment thereof calculated on
 the assumption that the Mortgage Rate thereon was equal to the weighted
     average (by principal balance) of the Net Mortgage Rates of all Outstanding
Mortgage Loans (the "Weighted Average Rate") as of such Anniversary   
    Determination Date over (ii) the Monthly Payment thereof calculated on the
 assumption that the Net Mortgage Rate thereon was equal to the Weighted
Average Rate less 1.25% per annum.                                    

         Available Funds: As to each Distribution Date, an amount equal to the
sum of (i) all amounts credited to the Mortgage Loan Payment Record   
   pursuant to Section 3.02 as of the preceding Determination Date, (ii) any
     Monthly Advance and any Compensating Interest Payment for such Distribution
Date, (iii) the Purchase Price of any Defective Mortgage Loans and    
Defaulted Mortgage Loans deposited in the Certificate Account on the  
Business Day preceding such Distribution Date (including any amounts  
     deposited in the Certificate Account in connection with any substitution of
 a Mortgage Loan as specified in Section 2.03(b)), and (iv) the purchase
   price of any defaulted Mortgage Loan purchased under an agreement entered
    into pursuant to Section 3.08(e) as of the end of the preceding Prepayment
     Period less the sum of (x) the Amount Held for Future Distribution, (y) the
    amount of any Unanticipated Recovery credited to the Mortgage Loan Payment
Record pursuant to clause (vi) of Section 3.02(b), and (z) amounts    
   permitted to be debited from the Mortgage Loan Payment Record pursuant to
   clauses (i) through (vii) and (ix) of Section 3.04. Amounts on deposit in
    the Class A2 Interest Account or Class A4 Interest Account are not part of
Available Funds.                                                      

          Bankruptcy Coverage Termination Date: The Distribution Date upon which
  the Bankruptcy Loss Amount has been reduced to zero or a negative number
(or the Cross-Over Date, if earlier).                                 

     Bankruptcy Loss Amount: As of any Determination Date prior to the
first Anniversary Determination Date, the Bankruptcy Loss Amount shall
    equal $185,966, as reduced by the aggregate amount of Deficient Valuations
     and Debt Service Reductions since the Cut-off Date. As of any Determination
Date after the first Anniversary Determination Date, other than an    
    Anniversary Determination Date, the Bankruptcy Loss Amount shall equal the
Bankruptcy Loss Amount on the immediately preceding Anniversary       
Determination Date as reduced by the aggregate amount of Deficient    
 Valuations and Debt Service Reductions since such preceding Anniversary
Determination Date. As of any Anniversary Determination Date, the     
  Bankruptcy Loss Amount shall equal the lesser of (x) the Bankruptcy Loss
   Amount as of the preceding Determination Date as reduced by any Deficient
     Valuations and Debt Service Reductions for the preceding Distribution Date,
  and (y) the greater of (i) the Fitch Formula Amount for such Anniversary
Determination Date and (ii) the Formula Amount for such Anniversary   
Determination Date.                                                   

    The Bankruptcy Loss Amount may be further reduced by the Company
(including accelerating the manner in which such coverage is reduced) 
     provided that prior to any such reduction, the Company shall obtain written
confirmation from each Rating Agency that such reduction shall not    
     adversely affect the then-current rating assigned to the related Classes of
     Certificates by such Rating Agency and shall provide a copy of such written
confirmation to the Trustee.                                          

BBA: The British Bankers' Association.                      

 BIF: The Bank Insurance Fund of the FDIC, or its successor in
interest.                                                             

         Book-Entry Certificate: Any Certificate registered in the name of the
    Depository or its nominee, ownership of which is reflected on the books of
     the Depository or on the books of a person maintaining an account with such
   Depository (directly or as an indirect participant in accordance with the
rules of such Depository). As of the Closing Date, each Class of      
   Certificates, other than the Class B3, Class B4, Class B5, Class R, Class
PO and Class S Certificates, constitutes a Class of Book-Entry        
Certificates.                                                         

Book-Entry Nominee: As defined in Section 5.02(b).          

        Business Day: Any day other than a Saturday or a Sunday, or a day on
which banking institutions in New York City or the city in which the  
 Corporate Trust Office is located are authorized or obligated by law or
executive order to be closed.                                         

          Buydown Funds: Funds contributed by the Mortgagor or another source in
 order to reduce the interest payments required from the Mortgagor for a
specified period in specified amounts.                                

      Buydown Mortgage Loan: Any Mortgage Loan as to which the Mortgagor
pays less than the full monthly payment specified in the Mortgage Note
     during the Buydown Period and the difference between the amount paid by the
  Mortgagor and the amount specified in the Mortgage Note is paid from the
related Buydown Funds.                                                

         Buydown Period: The period during which Buydown Funds are required to
be applied to the related Buydown Mortgage Loan.                      

        Certificate: Any one of the certificates signed and countersigned by
the Trustee in substantially the forms attached hereto as Exhibit A.  

  Certificate Account: The trust account or accounts created and
   maintained with the Trustee pursuant to Section 3.02 and which must be an
Eligible Account.                                                     

         Certificate Interest Rate: With respect to any Class of Certificates,
  other than the Class S Certificates or any LIBOR Certificates, and as of
     any Distribution Date, the per annum rate specified or described in Section
 5.01(b). With respect to any Class of LIBOR Certificates, the per annum
    variable rate at any time at which interest accrues on the Certificates of
    such Class, as determined pursuant to Section 5.01(f). With respect to the
 Class S Certificates and any Distribution Date, the Strip Rate for such
Distribution Date.                                                    

      Certificate Owner: With respect to any Book-Entry Certificate, the
person who is the beneficial owner thereof.                           

     Certificate Principal Balance: As to any Certificate other than a
Notional Certificate, and as of any Distribution Date, the Initial    
     Certificate Principal Balance of such Certificate (plus, in the case of any
    Accrual Certificate, its Percentage Interest of any related Accrual Amount
for each previous Distribution Date) less the sum of (i) all amounts  
distributed with respect to such Certificate in reduction of the      
Certificate Principal Balance thereof on previous Distribution Dates  
pursuant to Section 4.01, (ii) any Realized Losses allocated to such  
    Certificate on previous Distribution Dates pursuant to Section 4.03(b) and
     (c), and (iii) in the case of a Subordinate Certificate, such Certificate's
Percentage Interest of the Subordinate Certificate Writedown Amount   
    allocated to such Certificate on previous Distribution Dates. The Notional
Certificates are issued without Certificate Principal Balances.       

Certificate Register and Certificate Registrar: The register
maintained and the registrar appointed pursuant to Section 5.02.      

          Certificateholder or Holder: The person in whose name a Certificate is
registered in the Certificate Register, except that, solely for the   
     purposes of giving any consent pursuant to this Agreement, a Certificate of
any Class to the extent that the Company or any affiliate is the      
  Certificate Owner or Holder thereof (except to the extent the Company or
any affiliate thereof shall be the Certificate Owner or Holder of all 
    Certificates of such Class), shall be deemed not to be outstanding and the
     Percentage Interest (or Voting Rights) evidenced thereby shall not be taken
into account in determining whether the requisite amount of Percentage
    Interests (or Voting Rights) necessary to effect any such consent has been
    obtained; provided, however, that in determining whether the Trustee shall
be protected in relying on such consent only the Certificates that the
Trustee knows to be so held shall be so disregarded.                  

Class: All Certificates bearing the same class designation. 

   Class A2 Interest Account: The segregated, non-interest bearing
account denominated as such and established and maintained pursuant to
Section 3.17.                                                         

       Class A2 Interest Account Deposit: Cash in the amount of $2,393.97.

   Class A3 Percentage: With respect to any Distribution Date, the
 percentage (carried to six decimal places) obtained by dividing (x) the
aggregate Certificate Principal Balance of the Class A3 Certificates  
immediately preceding such Distribution Date, by (y) the aggregate    
     Certificate Principal Balance of all the Certificates (other than the Class
PO Certificates) immediately preceding such Distribution Date.        

Class A3 Prepayment Distribution Percentage: 0% through the 
 Distribution Date in June 2004; 30% thereafter through the Distribution
 Date in June 2005; 40% thereafter through the Distribution Date in June
2006; 60% thereafter through the Distribution Date in June 2007; 80%  
     thereafter through the Distribution Date in June 2008; and 100% thereafter.

Class A3 Principal Distribution Amount: With respect to any 
 Distribution Date, the sum of (a) the total of the amounts described in
    clauses (i) and (iii) of the definition of Senior Optimal Principal Amount
   for such date (without application of the Senior Percentage or the Senior
    Prepayment Percentage) multiplied by the Class A3 Percentage for such date
     and (b) the total of the amounts described in clauses (ii), (iv) and (v) of
   the definition of Senior Optimal Principal Amount (without application of
   the Senior Prepayment Percentage) for such date multiplied by the product
of (x) the Class A3 Percentage for such date and (y) the Class A3     
   Prepayment Distribution Percentage for such date; provided, however, that
(i) on the Group I Final Distribution Date, the Class A3 Principal    
    Distribution Amount will be increased by any portion of the Senior Optimal
    Principal Amount remaining after distributions of principal have been made
 on the Group I Senior Certificates and (ii) following the Group I Final
  Distribution Date, the Class A3 Principal Distribution Amount will equal
the Senior Optimal Principal Amount.                                  

   Class A4 Interest Account: The segregated, non-interest bearing
account denominated as such and established and maintained pursuant to
Section 3.17.                                                         

     Class A4 Interest Account Deposit: Cash in the amount of $822.82.

      Class B Certificate: Any Class B1, Class B2, Class B3, Class B4 or
Class B5 Certificate.                                                 

         Class Certificate Principal Balance: As to any Class of Certificates,
other than any Class of Notional Certificates, and as of any date of  
   determination, the aggregate of the Certificate Principal Balances of all
     Certificates of such Class. The Class Certificate Principal Balance of each
   such Class of Certificates as of the Closing Date is specified in Section
5.01(b).                                                              

          Class Interest Shortfall: As to any Distribution Date and any Class of
  Certificates (other than any Class of Principal Only Certificates or any
   Class consisting of Specified Components) or any Specified Component, any
amount by which the amount distributed to Holders of such Class of    
 Certificates or in respect of such Specified Component (or added to the
     Class Certificate Principal Balance of any Class of Accrual Certificates or
    to the Component Principal Balance of any Accrual Component constituting a
Specified Component) on such Distribution Date pursuant to Section    
4.01(a)(i) is less than the Accrued Certificate Interest thereon or in
     respect thereof for such Distribution Date. As to any Distribution Date and
  any Class of Certificates consisting of Specified Components, the sum of
the Class Interest Shortfalls for such Components on such date.       

        Class PO Deferred Amount: As to any Distribution Date on or prior to
   the Cross-Over Date, the aggregate of the applicable PO Percentage of the
    principal portion of each Realized Loss, other than any Excess Loss, to be
allocated to the Class PO Certificates on such Distribution Date or   
   previously allocated to the Class PO Certificates and not yet paid to the
Holders of the Class PO Certificates pursuant to Section 4.01(a)(iv). 

        Class PO Principal Distribution Amount: As to any Distribution Date,
an amount equal to the sum of the applicable PO Percentage of:        

          (i) the principal portion of each Monthly Payment due on the
          related Due Date on each Outstanding Mortgage Loan as of such Due Date
    as specified in the amortization schedule at the time applicable
         thereto (after adjustments for previous Principal Prepayments and the
  principal portion of Debt Service Reductions subsequent to the
          Bankruptcy Coverage Termination Date but before any adjustment to such
amortization schedule by reason of any bankruptcy (except as
        aforesaid) or similar proceeding or any moratorium or similar waiver
or grace period);                                           

        (ii) all principal prepayments in part received during the
    related Prepayment Period, together with the Scheduled Principal
        Balance (as reduced by any Deficient Valuation occurring on or prior
      to the Bankruptcy Coverage Termination Date) of each Mortgage Loan
     which was the subject of a Voluntary Principal Prepayment in full
during the related Prepayment Period;                       

            (iii) the sum of (A) all Net Liquidation Proceeds allocable to
     principal received in respect of each Mortgage Loan that became a
        Liquidated Mortgage Loan during the related Prepayment Period (other
      than Mortgage Loans described in clause (B)) and (B) the principal
          balance of each Mortgage Loan purchased by an insurer from the Trustee
         pursuant to the related Primary Insurance Policy, in each case during
the related Prepayment Period;                              

               (iv) the Scheduled Principal Balance (as reduced by any Deficient
          Valuation occurring on or prior to the Bankruptcy Coverage Termination
        Date) of each Mortgage Loan which was purchased on such Distribution
Date pursuant to Section 2.02, 2.03(a) or 3.16; and         

           (v) the Substitution Amount for any Mortgage Loan substituted
    during the month of such Distribution Date; for purposes of this
         clause (v), the definition of "Substitution Amount" shall be modified
          to reduce the Scheduled Principal Balance of the Mortgage Loan that is
       substituted for by any Deficient Valuation occurring on or prior to
the Bankruptcy Coverage Termination Date.                   

          For purposes of clause (ii) above, a Voluntary Principal Prepayment in
   full with respect to a Mortgage Loan serviced by a Primary Servicer shall
 be deemed to have been received when the Company, as servicer, receives
notice thereof.                                                       

Closing Date: June 24, 1999.                                

      Code: The Internal Revenue Code of 1986, as it may be amended from
time to time, any successor statutes thereto, and applicable U.S.     
Department of the Treasury temporary or final regulations promulgated 
thereunder.                                                           

COFI: The monthly weighted average cost of funds for savings
    institutions the home offices of which are located in Arizona, California,
  or Nevada that are member institutions of the Eleventh Federal Home Loan
   Bank District, as computed from statistics tabulated and published by the
Federal Home Loan Bank of San Francisco in its monthly Information    
Bulletin.                                                             

COFI Certificates: None.                                    

       COFI Determination Date: As to each Interest Accrual Period for any
  COFI Certificates, the last Business Day of the calendar month preceding
the commencement of such Interest Accrual Period.                     

        Company: GE Capital Mortgage Services, Inc., a corporation organized
     and existing under the laws of the State of New Jersey, or its successor in
 interest or, if any successor servicer is appointed as herein provided,
then such successor servicer.                                         

         Compensating Interest Payment: With respect to any Distribution Date,
  an amount equal to the aggregate of the Interest Shortfalls described in
clauses (a) and (b) of the definition thereof with respect to such    
     Distribution Date; provided, however, that such amount shall not exceed the
lesser of (i) an amount equal to the product of (x) the Pool Scheduled
Principal Balance with respect to such Distribution Date and (y)      
  one-twelfth of 0.125%, and (ii) the aggregate of the Servicing Fees that
     the Company would be entitled to retain on such Distribution Date (less any
 portion thereof paid as servicing compensation to any Primary Servicer)
without giving effect to any Compensating Interest Payment.           

         Component: Any of the components of a Class of Component Certificates
 having the designations and the initial Component Principal Balances as
follows:                                                              

                           Initial Component
  Designation              Principal Balance
  -----------              -----------------

N/A                        N/A

Component Certificate: None.                                

Component Interest Rate: None.                              

      Component Principal Balance: As of any Distribution Date, and with
  respect to any Component, other than any Notional Component, the initial
  Component Principal Balance thereof (as set forth, as applicable, in the
   definition of Component) (plus, in the case of any Accrual Component, any
     related Accrual Amount for each previous Distribution Date) less the sum of
   (x) all amounts distributed in reduction thereof on previous Distribution
  Dates pursuant to Section 4.01 and (y) the amount of all Realized Losses
allocated thereto pursuant to Section 4.03(d).                        

         Confirmatory Mortgage Note: With respect to any Mortgage Loan, a note
    or other evidence of indebtedness executed by the Mortgagor confirming its
obligation under the note or other evidence of indebtedness previously
executed by the Mortgagor upon the origination of the related Mortgage
Loan.                                                                 

        Cooperative: A private, cooperative housing corporation organized in
    accordance with applicable state laws which owns or leases land and all or
  part of a building or buildings located in the relevant state, including
  apartments, spaces used for commercial purposes and common areas therein
  and whose board of directors authorizes, among other things, the sale of
Cooperative Stock.                                                    

       Cooperative Apartment: A dwelling unit in a multi-dwelling building
     owned or leased by a Cooperative, which unit the Mortgagor has an exclusive
  right to occupy pursuant to the terms of one or more Proprietary Leases.

     Cooperative Loans: Any of the Mortgage Loans made in respect of a
  Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a
Security Agreement, (ii) the related Cooperative Stock Certificate(s),
    (iii) an assignment of the Proprietary Lease(s), (iv) financing statements
and (v) a stock power (or other similar instrument), and in addition  
     thereto, a recognition agreement between the Cooperative and the originator
    of the Cooperative Loan, each of which was transferred and assigned to the
    Trustee pursuant to Section 2.01 and are from time to time held as part of
   the Trust Fund. The Mortgage Loans identified as such in Exhibit C hereto
are Cooperative Loans.                                                

     Cooperative Stock: With respect to a Cooperative Loan, the single
outstanding class of stock, partnership interest or other ownership   
instrument in the related Cooperative.                                

          Cooperative Stock Certificate: With respect to a Cooperative Loan, the
     stock certificate(s) or other instrument evidencing the related Cooperative
Stock.                                                                

        Corporate Trust Office: The principal office of the Trustee at which
    at any particular time its corporate trust business shall be administered,
    which office at the date of the execution of this instrument is located at
225 Franklin Street, Boston, Massachusetts 02110, Attention: Corporate
Trust Department.                                                     

       Cross-Over Date: The first Distribution Date on which the aggregate
 Class Certificate Principal Balance of the Junior Certificates has been
  reduced to zero (giving effect to all distributions on such Distribution
Date).                                                                

Cut-off Date: June 1, 1999.                                 

         Debt Service Reduction: As to any Mortgage Loan and any Determination
    Date, the excess of (a) the then current Monthly Payment for such Mortgage
   Loan over (b) the amount of the monthly payment of principal and interest
     required to be paid by the Mortgagor as established by a court of competent
jurisdiction as a result of a proceeding initiated by or against the  
   related Mortgagor under the Bankruptcy Code, as amended from time to time
(11 U.S.C.).                                                          

      Deceased Holder: With respect to a Holder of any Designated Retail
Certificate, as defined in Section 4.10(b).                           

      Defaulted Mortgage Loan: With respect to any Determination Date, a
Mortgage Loan as to which the related Mortgagor has failed to make    
unexcused payment in full of a total of three or more consecutive     
 installments of principal and interest, and as to which such delinquent
  installments have not been paid, as of the close of business on the last
  Business Day of the month next preceding the month of such Determination
Date.                                                                 

      Defective Mortgage Loan: Any Mortgage Loan which is required to be
purchased by the Company (or which the Company may replace with a     
substitute Mortgage Loan) pursuant to Section 2.02 or 2.03(a).        

      Deficient Valuation: As to any Mortgage Loan and any Determination
Date, the excess of (a) the then outstanding indebtedness under such  
   Mortgage Loan over (b) the valuation by a court of competent jurisdiction
    of the related Mortgaged Property as a result of a proceeding initiated by
     or against the related Mortgagor under the Bankruptcy Code, as amended from
  time to time (11 U.S.C.), pursuant to which such Mortgagor retained such
Mortgaged Property.                                                   

    Definitive Certificate: Any Certificate, other than a Book-Entry
Certificate, issued in definitive, fully registered form.             

   Definitive Restricted Junior Certificate: Any Restricted Junior
Certificate that is in the form of a Definitive Certificate.          

    Depository: The initial Depository shall be The Depository Trust
 Company, the nominee of which is CEDE & Co. The Depository shall at all
    times be a "clearing corporation" as defined in Section 8-102(a)(5) of the
Uniform Commercial Code of the State of New York, as amended, or any  
successor provisions thereto.                                         

     Depository Participant: A broker, dealer, bank or other financial
  institution or other Person for which, from time to time, the Depository
    effects book-entry transfers and pledges of securities deposited with such
Depository.                                                           

     Designated Loan Closing Documents: With respect to any Designated
    Loan, a Lost Note Affidavit substantially in the form of Exhibit L, and an
assignment of the related Mortgage to the Trustee in recordable form  
   (except for the omission therein of recording information concerning such
Mortgage).                                                            

    Designated Loans: The Mortgage Loans listed in Exhibit M hereto.

Designated Rate: 6.50% per annum.                           

        Designated Retail Certificate: Any Class A7, Class A13, Class A15 or
Class A16 Certificate.                                                

          Designated Telerate Page: The Dow Jones Telerate Service page 3750 (or
such other page as may replace page 3750 on that service or such other
  service as may be nominated by the BBA for the purpose of displaying the
Interest Settlement Rates).                                           

        Determination Date: With respect to any Distribution Date, the fifth
Business Day prior thereto.                                           

      Discount Mortgage Loan: Any Mortgage Loan with a Net Mortgage Rate
less than the Designated Rate.                                        

   Disqualified Organization: Any of the following: (i) the United
States, any State or political subdivision thereof, or any agency or  
     instrumentality of any of the foregoing (including but not limited to state
pension organizations); (ii) a foreign government, International      
   Organization or any agency or instrumentality of either of the foregoing;
  (iii) an organization (except certain farmers' cooperatives described in
     Code section 521) which is exempt from tax imposed by Chapter 1 of the Code
     (including the tax imposed by section 511 of the Code on unrelated business
taxable income); and (iv) a rural electric and telephone cooperative  
     described in Code section 1381(a)(2)(C). The terms "United States," "State"
    and "International Organization" shall have the meanings set forth in Code
    section 7701 or successor provisions. A corporation will not be treated as
an instrumentality of the United States or of any State or political  
     subdivision thereof for these purposes if all of its activities are subject
 to tax and a majority of its board of directors is not selected by such
governmental unit.                                                    

          Distribution Date: The 25th day of each calendar month after the month
of initial issuance of the Certificates, or, if such 25th day is not a
Business Day, the next succeeding Business Day.                       

     Distribution Date Statement: The statement referred to in Section
4.05(a).                                                              

Document File: As defined in Section 2.01.                  

          Due Date: The first day of the month of the related Distribution Date.

     Eligible Account: An account that is either (i) maintained with a
 depository institution the debt obligations of which have been rated by
  each Rating Agency in one of its two highest long-term rating categories
     and has been assigned by S&P its highest short-term rating, (ii) an account
  or accounts the deposits in which are fully insured by either the BIF or
the SAIF, (iii) an account or accounts, in a depository institution in
which such accounts are insured by the BIF or the SAIF (to the limits 
established by the FDIC), the uninsured deposits in which accounts are
  either invested in Permitted Investments or are otherwise secured to the
extent required by the Rating Agencies such that, as evidenced by an  
    Opinion of Counsel delivered to the Trustee, the Certificateholders have a
claim with respect to the funds in such account or a perfected first  
security interest against any collateral (which shall be limited to   
  Permitted Investments) securing such funds that is superior to claims of
    any other depositors or creditors of the depository institution with which
such account is maintained, (iv) a trust account maintained with the  
corporate trust department of a federal or state chartered depository 
institution or of a trust company with trust powers and acting in its 
 fiduciary capacity for the benefit of the Trustee hereunder or (v) such
     account as will not cause either Rating Agency to downgrade or withdraw its
   then-current rating assigned to the Certificates, as evidenced in writing
by the Rating Agencies.                                               

  ERISA: The Employee Retirement Income Security Act of 1974, as
amended.                                                              

ERISA-Restricted Certificate: Any Junior Certificate.       

Event of Default: An event described in Section 7.01.       

   Excess Bankruptcy Loss: Any Deficient Valuation or Debt Service
    Reduction, or portion thereof, (i) occurring after the Bankruptcy Coverage
    Termination Date or (ii) if on such date, in excess of the then-applicable
Bankruptcy Loss Amount.                                               

        Excess Fraud Loss: Any Fraud Loss, or portion thereof, (i) occurring
after the Fraud Coverage Termination Date or (ii) if on such date, in 
excess of the then-applicable Fraud Loss Amount.                      

        Excess Loss: Any Excess Bankruptcy Loss, Excess Fraud Loss or Excess
Special Hazard Loss.                                                  

   Excess Special Hazard Loss: Any Special Hazard Loss, or portion
     thereof, (i) occurring after the Special Hazard Termination Date or (ii) if
    on such date, in excess of the then-applicable Special Hazard Loss Amount.

        FDIC: The Federal Deposit Insurance Corporation, or its successor in
interest.                                                             

         FHLMC: The Federal Home Loan Mortgage Corporation or its successor in
interest.                                                             

     Financial Intermediary: A broker, dealer, bank or other financial
  institution or other Person that clears through or maintains a custodial
relationship with a Depository Participant.                           

Fitch: Fitch IBCA, Inc. and its successors.                 

        Fitch Formula Amount: As to each Anniversary Determination Date, the
 greater of (i) $50,000 and (ii) the product of (x) the greatest Assumed
     Monthly Payment Reduction for any Non-Primary Residence Loan whose original
     principal balance was 80% or greater of the Original Value thereof, (y) the
  weighted average remaining term to maturity (expressed in months) of all
   the Non-Primary Residence Loans remaining in the Mortgage Pool as of such
 Anniversary Determination Date, and (z) the sum of (A) one plus (B) the
  number of all remaining Non-Primary Residence Loans divided by the total
   number of Outstanding Mortgage Loans as of such Anniversary Determination
Date.                                                                 

       FNMA: The Federal National Mortgage Association or its successor in
interest.                                                             

          Formula Amount: As to each Anniversary Determination Date, the greater
 of (i) $100,000 and (ii) the product of (x) 0.06% and (y) the Scheduled
Principal Balance of each Mortgage Loan remaining in the Mortgage Pool
   whose original principal balance was 75% or greater of the Original Value
thereof.                                                              

         Fraud Coverage Termination Date: The Distribution Date upon which the
     related Fraud Loss Amount has been reduced to zero or a negative number (or
the Cross-Over Date, if earlier).                                     

          Fraud Loss: Any Realized Loss attributable to fraud in the origination
of the related Mortgage Loan.                                         

          Fraud Loss Amount: As of any Distribution Date after the Cut-off Date,
    (x) prior to the first anniversary of the Cut-off Date, an amount equal to
    $4,987,507 minus the aggregate amount of Fraud Losses that would have been
     allocated to the Junior Certificates in accordance with Section 4.03 in the
   absence of the Loss Allocation Limitation since the Cut-off Date, and (y)
from the first to the fifth anniversary of the Cut-off Date, an amount
    equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent
     anniversary of the Cut-off Date and (b) 1% (from the first to but excluding
  the third anniversaries of the Cut-off Date) or 0.5% (from and including
    the third to but excluding the fifth anniversaries of the Cut-off Date) of
     the aggregate outstanding principal balance of all of the Mortgage Loans as
of the most recent anniversary of the Cut-off Date minus (2) the Fraud
Losses that would have been allocated to the Junior Certificates in   
accordance with Section 4.03 in the absence of the Loss Allocation    
 Limitation since the most recent anniversary of the Cut-off Date. On or
     after the fifth anniversary of the Cut-off Date the Fraud Loss Amount shall
be zero.                                                              

       Group I Final Distribution Date: The Distribution Date on which the
    aggregate Certificate Principal Balance of the Group I Senior Certificates
is reduced to zero.                                                   

       Group I Senior Certificate: Any Class A1, Class A2, Class A4, Class
 A5, Class A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class
A12, Class A13, Class A14, Class A15, Class A16, Class A17 or Class R 
Certificate.                                                          

Initial Certificate Principal Balance: With respect to any  
   Certificate, other than a Notional Certificate, the Certificate Principal
   Balance of such Certificate or any predecessor Certificate on the Closing
Date.                                                                 

Initial LIBOR Rate: 4.90370%.                               

       Insurance Proceeds: Proceeds paid pursuant to the Primary Insurance
 Policies, if any, and amounts paid by any insurer pursuant to any other
insurance policy covering a Mortgage Loan.                            

         Insured Expenses: Expenses covered by the Primary Insurance Policies,
if any, or any other insurance policy or policies applicable to the   
Mortgage Loans.                                                       

          Interest Accrual Period: With respect to any Distribution Date and any
Class of Certificates (other than any Class of Principal Only or LIBOR
    Certificates) or Component, the one-month period ending on the last day of
    the month preceding the month in which such Distribution Date occurs. With
     respect to any Distribution Date other than the first Distribution Date and
 any Class of LIBOR Certificates, the one-month period commencing on the
    25th day of the preceding month and ending on the 24th day of the month in
     which such Distribution Date occurs. With respect to the first Distribution
   Date and any Class of LIBOR Certificates, the one-month period commencing
  on the 24th day of the preceding month and ending on the 24th day of the
month in which such Distribution Date occurs.                         

   Interest Losses: The interest portion of (i) on or prior to the
    Cross-Over Date, any Excess Losses and (ii) after the Cross-Over Date, any
Realized Losses and Debt Service Reductions.                          

          Interest Settlement Rate: With respect to any Interest Accrual Period,
  the rate (expressed as a percentage per annum) for one-month U.S. Dollar
     deposits reported by the BBA at 11:00 a.m. London time on the related LIBOR
Determination Date and as it appears on the Designated Telerate Page. 

      Interest Shortfall: With respect to any Distribution Date and each
    Mortgage Loan that during the related Prepayment Period was the subject of
     a Voluntary Principal Prepayment or constitutes a Relief Act Mortgage Loan,
an amount determined as follows:                                      

            (A) partial principal prepayments: one month's interest at the
  applicable Net Mortgage Rate on the amount of such prepayment;

        (B) principal prepayments in full received on or after the
       sixteenth day of the month preceding the month of such Distribution
         Date (or, in the case of the first Distribution Date, on or after the
          Cut-off Date) but on or before the last day of the month preceding the
   month of such Distribution Date, the difference between (i) one
         month's interest at the applicable Net Mortgage Rate on the Scheduled
     Principal Balance of such Mortgage Loan immediately prior to such
        prepayment and (ii) the amount of interest for the calendar month of
  such prepayment (adjusted to the applicable Net Mortgage Rate)
received at the time of such prepayment;                    

              (C) principal prepayments in full received by the Company (or of
     which the Company receives notice, in the case of a Mortgage Loan
       serviced by a Primary Servicer) on or after the first day but on or
          before the fifteenth day of the month of such Distribution Date: none;
and                                                         

          (D) Relief Act Mortgage Loans: As to any Relief Act Mortgage
   Loan, the excess of (i) 30 days' interest (or, in the case of a
        Principal Prepayment in full, interest to the date of prepayment) on
 the Scheduled Principal Balance thereof (or, in the case of a
          Principal Prepayment in part, on the amount so prepaid) at the related
       Net Mortgage Rate over (ii) 30 days' interest (or, in the case of a
        Principal Prepayment in full, interest to the date of prepayment) on
    such Scheduled Principal Balance (or, in the case of a Principal
          Prepayment in part, on the amount so prepaid) at the Net Mortgage Rate
         required to be paid by the Mortgagor as limited by application of the
Relief Act.                                                 

Junior Certificate: Any Class M or Class B Certificate.     

    Junior Optimal Principal Amount: As to any Distribution Date, an
    amount equal to the sum of the following (but in no event greater than the
aggregate Certificate Principal Balance of the Junior Certificates    
immediately prior to such Distribution Date):                         

              (i) the Junior Percentage of the applicable Non-PO Percentage of
        the principal portion of each Monthly Payment due on the related Due
 Date on each Outstanding Mortgage Loan as of such Due Date as
         specified in the amortization schedule at the time applicable thereto
          (after adjustment for previous Principal Prepayments and the principal
   portion of Debt Service Reductions subsequent to the Bankruptcy
Coverage Termination Date but before any adjustment to such 
    amortization schedule by reason of any bankruptcy (other than as
        aforesaid) or similar proceeding or any moratorium or similar waiver
or grace period);                                           

            (ii) the Junior Prepayment Percentage of the applicable Non-PO
       Percentage of all principal prepayments in part received during the
       related Prepayment Period, and 100% of any Senior Optimal Principal
          Amount not distributed to the Senior Certificates on such Distribution
          Date, together with the Junior Prepayment Percentage of the applicable
         Non-PO Percentage of the Scheduled Principal Balance of each Mortgage
          Loan which was the subject of a Voluntary Principal Prepayment in full
during the related Prepayment Period;                       

               (iii) the excess, if any, of (x) the applicable Non-PO Percentage
         of the sum of (A) all Net Liquidation Proceeds allocable to principal
        received during the related Prepayment Period (other than in respect
    of Mortgage Loans described in clause (B)) and (B) the principal
       balance of each Mortgage Loan that was purchased by an insurer from
    the Trustee during the related Prepayment Period pursuant to the
       related Primary Insurance Policy, over (y) the amount distributable
          pursuant to clause (iii) of the definition of Senior Optimal Principal
Amount on such Distribution Date;                           

            (iv) the Junior Prepayment Percentage of the applicable Non-PO
       Percentage of the Scheduled Principal Balance of each Mortgage Loan
     which was purchased on such Distribution Date pursuant to Section
2.02, 2.03(a) or 3.16; and                                  

           (v) the Junior Prepayment Percentage of the applicable Non-PO
Percentage of the Substitution Amount for any Mortgage Loan 
substituted during the month of such Distribution Date.     

      For purposes of clause (ii) above, a Voluntary Principal
    Prepayment in full with respect to a Mortgage Loan serviced by a
   Primary Servicer shall be deemed to have been received when the
Company, as servicer, receives notice thereof.              

          After the Class Certificate Principal Balances of the Junior
        Certificates have been reduced to zero, the Junior Optimal Principal
Amount shall be zero.                                       

      Junior Percentage: As to any Distribution Date, the excess of 100%
over the Senior Percentage for such Distribution Date.                

         Junior Prepayment Percentage: As to any Distribution Date, the excess
   of 100% over the Senior Prepayment Percentage for such Distribution Date,
  except that (i) after the aggregate Certificate Principal Balance of the
   Senior Certificates other than the Class PO Certificates has been reduced
     to zero, the Junior Prepayment Percentage shall be 100%, and (ii) after the
Cross-Over Date, the Junior Prepayment Percentage shall be zero.      

Latest Possible Maturity Date: June 25, 2031.               

          LIBOR: With respect to any Interest Accrual Period, the per annum rate
determined, pursuant to Section 5.08, on the basis of the Interest    
Settlement Rate or as otherwise provided in such Section.             

LIBOR Certificate: Any Class A2 or Class A4 Certificate.    

       LIBOR Determination Date: The second London Banking Day immediately
  preceding the commencement of each Interest Accrual Period for any LIBOR
Certificates.                                                         

         Liquidated Mortgage Loan: Any defaulted Mortgage Loan as to which the
Company has determined that all amounts which it expects to recover on
     behalf of the Trust Fund from or on account of such Mortgage Loan have been
  recovered, including any Mortgage Loan with respect to which the Company
  determines not to foreclose upon the related Mortgaged Property based on
its belief that such Mortgaged Property may be contaminated with or   
affected by hazardous or toxic wastes, materials or substances.       

       Liquidation Expenses: Expenses which are incurred by the Company in
connection with the liquidation of any defaulted Mortgage Loan and not
 recovered by the Company under any Primary Insurance Policy for reasons
     other than the Company's failure to comply with Section 3.05, such expenses
    including, without limitation, legal fees and expenses, and, regardless of
    when incurred, any unreimbursed amount expended by the Company pursuant to
   Section 3.03 or Section 3.06 respecting the related Mortgage Loan and any
related and unreimbursed Property Protection Expenses.                

          Liquidation Proceeds: Cash (other than Insurance Proceeds) received in
connection with the liquidation of any defaulted Mortgage Loan whether
through judicial foreclosure or otherwise.                            

Living Holder: Any Certificate Owner of a Designated Retail 
Certificate, other than a Deceased Holder.                            

         Loan-to-Value Ratio: With respect to each Mortgage Loan, the original
  principal amount of such Mortgage Loan, divided by the Original Value of
the related Mortgaged Property.                                       

      London Banking Day: Any day on which banks are open for dealing in
foreign currency and exchange in London, England.                     

Loss Allocation Limitation: As defined in Section 4.03(g).  

Minimum Servicing Standards: As defined in Section 3.13(a). 

         MLCC: Merrill Lynch Credit Corporation, or its successor in interest.

         Monthly Advance: With respect to any Distribution Date, the aggregate
of the advances required to be made by the Company pursuant to Section
4.04(a) (or by the Trustee pursuant to Section 4.04(b)) on such       
  Distribution Date, the amount of any such Monthly Advance being equal to
  (a) the aggregate of payments of principal and interest (adjusted to the
related Net Mortgage Rate) on the Mortgage Loans that were due on the 
  related Due Date, without regard to any arrangements entered into by the
  Company with the related Mortgagors pursuant to Section 3.02(a)(ii), and
   delinquent as of the close of business on the Business Day next preceding
  the related Determination Date, less (b) the amount of any such payments
     which the Company or the Trustee, as applicable, in its reasonable judgment
believes will not be ultimately recoverable by it either out of late  
  payments by the Mortgagor, Net Liquidation Proceeds, Insurance Proceeds,
   REO Proceeds or otherwise. With respect to any Mortgage Loan, the portion
of any such advance or advances made with respect thereto.            

         Monthly Payment: The scheduled monthly payment on a Mortgage Loan for
any month allocable to principal or interest on such Mortgage Loan.   

Moody's: Moody's Investors Service, Inc. and its successors.

          Mortgage: The mortgage or deed of trust creating a first lien on a fee
  simple interest or leasehold estate in real property securing a Mortgage
Note.                                                                 

       Mortgage 100SM Loan: A Mortgage Loan identified on Exhibit N hereof
    that has a Loan-to-Value Ratio at origination in excess of 80.00% and that
   is secured by Additional Collateral and does not have a Primary Insurance
Policy.                                                               

Mortgage File: The mortgage documents listed in Section 2.01
pertaining to a particular Mortgage Loan and any additional documents 
required to be added to such documents pursuant to this Agreement.    

      Mortgage Loan Payment Record: The record maintained by the Company
pursuant to Section 3.02(b).                                          

         Mortgage Loan Schedule: As of any date of determination, the schedule
of Mortgage Loans included in the Trust Fund. The initial schedule of 
Mortgage Loans as of the Cut-off Date is attached hereto as Exhibit C.

         Mortgage Loans: As of any date of determination, each of the mortgage
loans identified on the Mortgage Loan Schedule (as amended pursuant to
    Section 2.03(b)) delivered and assigned to the Trustee pursuant to Section
  2.01 or 2.03(b), and not theretofore released from the Trust Fund by the
Trustee.                                                              

       Mortgage Note: With respect to any Mortgage Loan, the note or other
evidence of indebtedness (which may consist of a Confirmatory Mortgage
    Note) evidencing the indebtedness of a Mortgagor under such Mortgage Loan.

        Mortgage Pool: The aggregate of the Mortgage Loans identified in the
Mortgage Loan Schedule.                                               

          Mortgage Rate: The per annum rate of interest borne by a Mortgage Loan
as set forth in the related Mortgage Note.                            

          Mortgaged Property: The underlying real property securing the Mortgage
    Loan, or with respect to a Cooperative Loan, the related Proprietary Lease
and Cooperative Stock.                                                

     Mortgagor: With respect to any Mortgage Loan, each obligor on the
related Mortgage Note.                                                

      Net Interest Shortfall: With respect to any Distribution Date, the
excess, if any, of the aggregate Interest Shortfalls allocable to the 
   Certificates (as determined in accordance with the definition of Interest
Shortfall) for such Distribution Date over any Compensating Interest  
Payment for such date.                                                

         Net Liquidation Proceeds: As to any Liquidated Mortgage Loan, the sum
of (i) any Liquidation Proceeds therefor less the related Liquidation 
 Expenses, and (ii) any Insurance Proceeds therefor, other than any such
Insurance Proceeds applied to the restoration of the related Mortgaged
     Property. Net Mortgage Rate: With respect to any Mortgage Loan, the related
Mortgage Rate less the applicable Servicing Fee Rate.                 

       Non-Book-Entry Certificate: Any Certificate other than a Book-Entry
Certificate.                                                          

          Non-Discount Mortgage Loan: Any Mortgage Loan with a Net Mortgage Rate
greater than or equal to the Designated Rate.                         

Non-permitted Foreign Holder: As defined in Section 5.02(b).

   Non-PO Percentage: As to any Discount Mortgage Loan, a fraction
 (expressed as a percentage), the numerator of which is the Net Mortgage
 Rate of such Discount Mortgage Loan and the denominator of which is the
Designated Rate. As to any Non-Discount Mortgage Loan, 100%.          

        Non-Primary Residence Loan: Any Mortgage Loan secured by a Mortgaged
     Property that is (on the basis of representations made by the Mortgagors at
origination) a second home or investor-owned property.                

        Nonrecoverable Advance: All or any portion of any Monthly Advance or
    Monthly Advances previously made by the Company (or the Trustee) which, in
 the reasonable judgment of the Company (or, as applicable, the Trustee)
   will not be ultimately recoverable from related Net Liquidation Proceeds,
 Insurance Proceeds, REO Proceeds or otherwise. The determination by the
   Company that it has made a Nonrecoverable Advance or that any advance, if
   made, would constitute a Nonrecoverable Advance, shall be evidenced by an
     Officer's Certificate of the Company delivered to the Trustee and detailing
the reasons for such determination.                                   

Non-U.S. Person: As defined in Section 4.02(c).             

Notional Certificate: Any Class S Certificate.              

Notional Component: None.                                   

Notional Component Balance: None.                           

         Notional Principal Balance: As to any Distribution Date and the Class
S Certificates, the aggregate Scheduled Principal Balance of the      
 Outstanding Non-Discount Mortgage Loans as of the Due Date in the month
     preceding such Distribution Date. As to any Distribution Date and any Class
S Certificate, such Certificate's Percentage Interest of the aggregate
Notional Principal Balance of the Class S Certificates for such       
Distribution Date.                                                    

          Officer's Certificate: A certificate signed by the President, a Senior
Vice President or a Vice President of the Company and delivered to the
Trustee.                                                              

        Opinion of Counsel: A written opinion of counsel, who may be counsel
for the Company; provided, however, that any Opinion of Counsel with  
     respect to the interpretation or application of the REMIC Provisions or the
status of an account as an Eligible Account shall be the opinion of   
independent counsel satisfactory to the Trustee.                      

          Original Subordinate Principal Balance: As set forth in the definition
of Senior Prepayment Percentage.                                      

        Original Value: The value of the property underlying a Mortgage Loan
     based, in the case of the purchase of the underlying Mortgaged Property, on
     the lower of an appraisal satisfactory to the Company or the sales price of
such property or, in the case of a refinancing, on an appraisal       
satisfactory to the Company.                                          

       Outstanding Mortgage Loan: With respect to any Due Date, a Mortgage
Loan which, prior to such Due Date, was not the subject of a Principal
   Prepayment in full, did not become a Liquidated Mortgage Loan and was not
     purchased pursuant to Section 2.02, 2.03(a) or 3.16 or replaced pursuant to
Section 2.03(b).                                                      

         Outstanding Non-Discount Mortgage Loan: Any Outstanding Mortgage Loan
that is a Non-Discount Mortgage Loan.                                 

 PAC Balance: As to any Distribution Date and any Class of PAC
     Certificates and any PAC Component, the balance designated as such for such
     Distribution Date and such Class or Component as set forth in the Principal
Balance Schedules.                                                    

PAC Certificate: None.                                      

PAC Component: None.                                        

       Parent PowerSM Loan: A Mortgage Loan identified on Exhibit N hereto
    that has a Loan-to-Value Ratio at origination in excess of 80.00%, that is
  supported by Additional Collateral and does not have a Primary Insurance
Policy.                                                               

       Pay-out Rate: With respect to any Class of Certificates (other than
  any Class of Principal Only Certificates) and any Distribution Date, the
  rate at which interest is distributed on such Class on such Distribution
Date and which is equal to a fraction (expressed as an annualized     
    percentage) the numerator of which is the Accrued Certificate Interest for
     such Class and Distribution Date, and the denominator of which is the Class
Certificate Principal Balance (or, in the case of the Notional        
 Certificates, the Notional Principal Balance) of such Class immediately
prior to such Distribution Date.                                      

        Percentage Interest: With respect to any Certificate, the percentage
   interest in the undivided beneficial ownership interest in the Trust Fund
evidenced by Certificates of the same Class as such Certificate. With 
     respect to any Certificate, the Percentage Interest evidenced thereby shall
equal the Initial Certificate Principal Balance (or, in the case of a 
Notional Certificate, the initial Notional Principal Balance) thereof 
    divided by the aggregate Initial Certificate Principal Balance (or, in the
  case of a Notional Certificate, the aggregate initial Notional Principal
Balance) of all Certificates of the same Class.                       

  Permitted Investments: One or more of the following; provided,
however, that no such Permitted Investment may mature later than the  
   Business Day preceding the Distribution Date after such investment except
  as otherwise provided in Section 3.02(e) hereof, provided, further, that
   such investments qualify as "cash flow investments" as defined in section
860G(a)(6) of the Code:                                               

       (i) obligations of, or guaranteed as to timely receipt of
 principal and interest by, the United States or any agency or
        instrumentality thereof when such obligations are backed by the full
faith and credit of the United States;                      

               (ii) repurchase agreements on obligations specified in clause (i)
    provided that the unsecured obligations of the party agreeing to
    repurchase such obligations are at the time rated by each Rating
Agency in the highest long-term rating category;            

             (iii) federal funds, certificates of deposit, time deposits and
     banker's acceptances, of any U.S. depository institution or trust
         company incorporated under the laws of the United States or any state
        provided that the debt obligations of such depository institution or
       trust company at the date of acquisition thereof have been rated by
each Rating Agency in the highest long-term rating category;

             (iv) commercial paper of any corporation incorporated under the
       laws of the United States or any state thereof which on the date of
        acquisition has the highest short term rating of each Rating Agency;
and                                                         

             (v) other obligations or securities that are acceptable to each
      Rating Agency as a Permitted Investment hereunder and will not, as
         evidenced in writing, result in a reduction or withdrawal in the then
current rating of the Certificates.                         

            Notwithstanding the foregoing, Permitted Investments shall not
         include "stripped securities" and investments which contractually may
return less than the purchase price therefor.               

    Person: Any legal person, including any individual, corporation,
partnership, limited liability company, joint venture, association,   
  joint-stock company, trust, unincorporated organization or government or
any agency or political subdivision thereof.                          

          Plan: Any Person which is an employee benefit plan subject to ERISA or
a plan subject to section 4975 of the Code.                           

        Pledged Asset Loan-to-Value Ratio: With respect to any Pledged Asset
Mortgage Loan, (i) the original loan amount less the portion of any   
     required Additional Collateral which is covered by the Surety Bond, divided
by (ii) the Original Value of the related Mortgaged Property.         

    Pledged Asset Mortgage Loan: Each Mortgage 100SM Loan and Parent
     PowerSM Loan purchased from MLCC that is supported by Additional Collateral
and identified on Exhibit N hereto.                                   

        Pledged Asset Mortgage Servicing Agreement: The Amended and Restated
Pledged Asset Mortgage Servicing Agreement, dated as of June 2, 1998, 
between MLCC and the Company.                                         

          PO Percentage: As to any Discount Mortgage Loan, a fraction (expressed
  as a percentage), the numerator of which is the excess of the Designated
Rate over the Net Mortgage Rate of such Discount Mortgage Loan and the
denominator of which is the Designated Rate. As to any Non-Discount   
Mortgage Loan, 0%.                                                    

      Pool Scheduled Principal Balance: With respect to any Distribution
   Date, the aggregate Scheduled Principal Balance of all the Mortgage Loans
that were Outstanding Mortgage Loans on the Due Date in the month next
     preceding the month of such Distribution Date (or, in the case of the first
     Distribution Date, the Cut-off Date; or, if so specified, such other date).

         Prepayment Assumption: The assumed fixed schedule of prepayments on a
   pool of new mortgage loans with such schedule given as a monthly sequence
   of prepayment rates, expressed as annualized percent values. These values
 start at 0.2% per year in the first month, increase by 0.2% per year in
each succeeding month until month 30, ending at 6.0% per year. At such
 time, the rate remains constant at 6.0% per year for the balance of the
    remaining term. Multiples of the Prepayment Assumption are calculated from
this prepayment rate series.                                          

      Prepayment Assumption Multiple: 275% of the Prepayment Assumption.

          Prepayment Distribution Trigger: As of any Distribution Date and as to
 each Class of Class B Certificates, the related Prepayment Distribution
  Trigger is satisfied if (x) the fraction, expressed as a percentage, the
    numerator of which is the aggregate Class Certificate Principal Balance of
     such Class and each Class subordinate thereto, if any, on such Distribution
    Date, and the denominator of which is the Pool Scheduled Principal Balance
for such Distribution Date, equals or exceeds (y) such percentage     
calculated as of the Closing Date.                                    

        Prepayment Interest Excess: As to any Voluntary Principal Prepayment
in full received from the first day through the fifteenth day of any  
 calendar month (other than the calendar month in which the Cut-off Date
occurs), all amounts paid in respect of interest on such Principal    
   Prepayment. For purposes of determining the amount of Prepayment Interest
     Excess for any month, a Voluntary Principal Prepayment in full with respect
   to a Mortgage Loan serviced by a Primary Servicer shall be deemed to have
   been received when the Company, as servicer, receives notice thereof. All
   Prepayment Interest Excess shall be retained by the Company, as servicer,
as additional servicing compensation.                                 

    Prepayment Period: With respect to any Distribution Date and any
    Voluntary Principal Prepayment in part or other Principal Prepayment other
     than a Voluntary Principal Prepayment in full, the calendar month preceding
    the month of such Distribution Date; with respect to any Distribution Date
     and any Voluntary Principal Prepayment in full, the period beginning on the
sixteenth day of the calendar month preceding the month of such       
Distribution Date (or, in the case of the first Distribution Date,    
     beginning on the Cut-off Date) and ending on the fifteenth day of the month
in which such Distribution Date occurs.                               

 Primary Insurance Policy: The certificate of private mortgage
   insurance relating to a particular Mortgage Loan, or an electronic screen
print setting forth the information contained in such certificate of  
private mortgage insurance, including, without limitation, information
 relating to the name of the mortgage insurance carrier, the certificate
number, the loan amount, the property address, the effective date of  
 coverage, the amount of coverage and the expiration date of the policy.
 Each such policy covers defaults by the Mortgagor, which coverage shall
   equal the portion of the unpaid principal balance of the related Mortgage
 Loan that exceeds 75% (or such lesser coverage required or permitted by
    FNMA or FHLMC) of the Original Value of the underlying Mortgaged Property.

          Primary Servicer: Any servicer with which the Company has entered into
a servicing agreement, as described in Section 3.01(f).               

         Principal Balance Schedules: Any principal balance schedules attached
    hereto, if applicable, as Exhibit B, setting forth the PAC Balances of any
PAC Certificates and PAC Components, the TAC Balances of any TAC      
     Certificates and TAC Components and the Scheduled Balances of any Scheduled
Certificates and Scheduled Components.                                

     Principal Distribution Request: Any request for a distribution in
reduction of the Class Certificate Principal Balance of any Designated
 Retail Certificate, submitted in writing to a Depository Participant or
 Financial Intermediary (or, if such Designated Retail Certificate is no
longer represented by a Book-Entry Certificate, to the Trustee) by the
Certificate Owner (or Certificateholder) of such Designated Retail    
Certificate pursuant to Section 4.10(c) or 4.10(g), as applicable.    

      Principal Only Certificate: Any Class A14 or Class PO Certificate.

Principal Only Component: None.                             

         Principal Prepayment: Any payment or other recovery of principal on a
  Mortgage Loan (including, for this purpose, any refinancing permitted by
Section 3.01 and any REO Proceeds treated as such pursuant to Section 
    3.08(b)) which is received in advance of its scheduled Due Date and is not
  accompanied by an amount of interest representing scheduled interest for
any month subsequent to the month of prepayment.                      

 Private Placement Memorandum: The Company's private placement
    memorandum relating to the placement of the Restricted Junior Certificates
   dated the date of the prospectus supplement referred to in the definition
of Prospectus.                                                        

         Prohibited Transaction Exemption: U.S. Department of Labor Prohibited
Transaction Exemption 90-29, 55 Fed. Reg. 21459, May 24, 1990.        

    Property Protection Expenses: With respect to any Mortgage Loan,
expenses paid or incurred by or for the account of the Company in     
     accordance with the related Mortgage for (a) real estate property taxes and
    property repair, replacement, protection and preservation expenses and (b)
 similar expenses reasonably paid or incurred to preserve or protect the
     value of such Mortgage to the extent the Company is not reimbursed therefor
  pursuant to the Primary Insurance Policy, if any, or any other insurance
policy with respect thereto.                                          

          Proprietary Lease: With respect to a Cooperative Loan, the proprietary
   lease(s) or occupancy agreement with respect to the Cooperative Apartment
  occupied by the Mortgagor and relating to the related Cooperative Stock,
   which lease or agreement confers an exclusive right to the holder of such
Cooperative Stock to occupy such apartment.                           

        Prospectus: The Company's prospectus supplement dated June 22, 1999,
 and the related prospectus dated April 22, 1999, relating to the public
offering of the Certificates other than the Restricted Certificates.  

 Purchase Price: With respect to any Mortgage Loan required or
     permitted to be purchased hereunder from the Trust Fund, an amount equal to
   100% of the unpaid principal balance thereof plus interest thereon at the
   applicable Mortgage Rate from the date to which interest was last paid to
the first day of the month in which such purchase price is to be      
distributed; provided, however, that if the Company is the servicer   
hereunder, such purchase price shall be net of unreimbursed Monthly   
    Advances with respect to such Mortgage Loan, and the interest component of
  the Purchase Price may be computed on the basis of the Net Mortgage Rate
for such Mortgage Loan.                                               

        QIB: A "qualified institutional buyer" as defined in Rule 144A under
the Securities Act of 1933, as amended.                               

  Random Lot: With respect to any Distribution Date prior to the
   Cross-Over Date, if the amount available for distribution in reduction of
   the Class Certificate Principal Balance of any Class of Designated Retail
   Certificates on such Distribution Date exceeds the amount needed to honor
all Principal Distribution Requests with respect to such Class on such
  date, the method by which the Depository will determine which Depository
   Participants holding interests in such Class of Certificates will receive
    payments of amounts distributable in respect of principal on such Class on
    such Distribution Date, using its established random lot procedures or, if
such Class of Certificates is no longer represented by Book-Entry     
Certificates, the method by which the Trustee will determine which    
   Certificates of such Class will receive payments of amounts distributable
    in respect of principal on such Class on such Distribution Date, using its
own random lot procedures comparable to those used by the Depository. 

          Rating Agency: Any statistical credit rating agency, or its successor,
 that rated any of the Certificates at the request of the Company at the
time of the initial issuance of the Certificates. If such agency or a 
successor is no longer in existence, "Rating Agency" shall be such    
     statistical credit rating agency, or other comparable Person, designated by
 the Company, notice of which designation shall be given to the Trustee.
References herein to the two highest long-term rating categories of a 
     Rating Agency shall mean such ratings without any modifiers. As of the date
    of the initial issuance of the Certificates, the Rating Agencies are Fitch
  and S&P; except that for purposes of the Junior Certificates, other than
     the Class B5 Certificates, Fitch shall be the sole Rating Agency. The Class
B5 Certificates are issued without ratings.                           

Realized Loss: Any (i) Deficient Valuation or (ii) as to any
Liquidated Mortgage Loan, (x) the unpaid principal balance of such    
  Liquidated Mortgage Loan plus accrued and unpaid interest thereon at the
 Net Mortgage Rate through the last day of the month of such liquidation
less (y) the related Liquidation Proceeds and Insurance Proceeds (as  
reduced by the related Liquidation Expenses).                         

         Record Date: The last Business Day of the month immediately preceding
the month of the related Distribution Date.                           

Reference Banks: As defined in Section 5.08.                

       Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as
amended.                                                              

       Relief Act Mortgage Loan: Any Mortgage Loan as to which the Monthly
    Payment thereof has been reduced due to the application of the Relief Act.

         REMIC: A "real estate mortgage investment conduit" within the meaning
of section 860D of the Code.                                          

          REMIC Provisions: Provisions of the federal income tax law relating to
 real estate mortgage investment conduits, which appear at sections 860A
through 860G of Part IV of Subchapter M of Chapter 1 of the Code, and 
    related provisions, and U.S. Department of the Treasury temporary or final
    regulations promulgated thereunder, as the foregoing may be in effect from
time to time, as well as provisions of applicable state laws.         

  REO Mortgage Loan: Any Mortgage Loan which is not a Liquidated
 Mortgage Loan and as to which the related Mortgaged Property is held as
part of the Trust Fund.                                               

       REO Proceeds: Proceeds, net of any related expenses of the Company,
received in respect of any REO Mortgage Loan (including, without      
  limitation, proceeds from the rental of the related Mortgaged Property).

       Required Surety Payment: With respect to any Pledged Asset Mortgage
Loan that becomes a Liquidated Mortgage Loan, the lesser of (i) the   
   principal portion of the Realized Loss with respect to such Mortgage Loan
 and (ii) the excess, if any, of (a) the amount of Additional Collateral
     required at origination with respect to such Mortgage Loan which is covered
by the Surety Bond over (b) the net proceeds realized by MLCC from the
liquidation of the related Additional Collateral.                     

Reserve Fund: None.                                         

Reserve Interest Rate: As defined in Section 5.08.          

Residual Certificate: Any Class R Certificate.              

   Responsible Officer: When used with respect to the Trustee, any
     officer or assistant officer assigned to and working in the Corporate Trust
   Department of the Trustee and, also, with respect to a particular matter,
     any other officer to whom such matter is referred because of such officer's
knowledge of and familiarity with the particular subject.             

          Restricted Certificate: Any Restricted Junior Certificate, Class PO or
Class S Certificate.                                                  

     Restricted Junior Certificate: Any Class B3, Class B4 or Class B5
Certificate.                                                          

     Rounding Account: With respect to each Class of Designated Retail
Certificates, the respective segregated, non-interest bearing Eligible
Account created and maintained therefor pursuant to Section 4.10.     

     Rounding Account Depositor: Merrill Lynch, Pierce, Fenner & Smith
Incorporated.                                                         

   Rounding Amount: With respect to any Class of Designated Retail
 Certificates and each Distribution Date prior to the Cross-Over Date on
     which such Class of Certificates is entitled to a distribution in reduction
 of the Class Certificate Principal Balance thereof, the amount, if any,
    necessary to round the aggregate of such distribution (after giving effect
     to any deposit into the related Rounding Account on such Distribution Date)
upward to the next higher integral multiple of $1,000.                

          S&P: Standard & Poor's Ratings Services, a division of The McGraw-Hill
Companies, Inc., and its successors.                                  

    SAIF: The Savings Association Insurance Fund of the FDIC, or its
successor in interest.                                                

   Scheduled Balance: As to any Distribution Date and any Class of
    Scheduled Certificates and any Scheduled Component, the balance designated
     as such for such Distribution Date and such Class or Component as set forth
in the Principal Balance Schedules.                                   

Scheduled Certificate: None.                                

Scheduled Component: None.                                  

         Scheduled Principal Balance: As to any Mortgage Loan and Distribution
     Date, the principal balance of such Mortgage Loan as of the Due Date in the
month next preceding the month of such Distribution Date (or, if so   
  specified, such other date) as specified in the amortization schedule at
the time relating to such Mortgage Loan (before any adjustment to such
    amortization schedule by reason of any bankruptcy or similar proceeding or
  any moratorium or similar waiver or grace period) after giving effect to
any previous Principal Prepayments, Deficient Valuations incurred     
    subsequent to the Bankruptcy Coverage Termination Date, adjustments due to
    the application of the Relief Act and the payment of principal due on such
Due Date, irrespective of any delinquency in payment by the related   
Mortgagor. As to any Mortgage Loan and the Cut-off Date, the "unpaid  
balance" thereof specified in the initial Mortgage Loan Schedule.     

         Security Agreement: With respect to a Cooperative Loan, the agreement
creating a security interest in favor of the originator in the related
Cooperative Stock and Proprietary Lease.                              

          Senior Certificate: Any Certificate other than a Junior Certificate or
Class S Certificate.                                                  

         Senior Certificate Principal Balance: As of any Distribution Date, an
     amount equal to the sum of the Certificate Principal Balances of the Senior
Certificates (other than any Class PO Certificates).                  

    Senior Optimal Principal Amount: As to any Distribution Date, an
amount equal to the sum of:                                           

              (i) the Senior Percentage of the applicable Non-PO Percentage of
        the principal portion of each Monthly Payment due on the related Due
 Date on each Outstanding Mortgage Loan as of such Due Date as
         specified in the amortization schedule at the time applicable thereto
 (after adjustments for previous Principal Prepayments and the
  principal portion of Debt Service Reductions subsequent to the
          Bankruptcy Coverage Termination Date but before any adjustment to such
amortization schedule by reason of any bankruptcy (except as
        aforesaid) or similar proceeding or any moratorium or similar waiver
or grace period);                                           

            (ii) the Senior Prepayment Percentage of the applicable Non-PO
       Percentage of all principal prepayments in part received during the
  related Prepayment Period, together with the Senior Prepayment
   Percentage of the applicable Non-PO Percentage of the Scheduled
      Principal Balance of each Mortgage Loan which was the subject of a
        Voluntary Principal Prepayment in full during the related Prepayment
Period;                                                     

             (iii) the lesser of (x) the Senior Percentage of the applicable
          Non-PO Percentage of the sum of (A) the Scheduled Principal Balance of
         each Mortgage Loan that became a Liquidated Mortgage Loan (other than
         Mortgage Loans described in clause (B)) during the related Prepayment
        Period and (B) the Scheduled Principal Balance of each Mortgage Loan
        that was purchased by an insurer from the Trustee during the related
          Prepayment Period pursuant to the related Primary Insurance Policy, as
          reduced in each case by the Senior Percentage of the applicable Non-PO
        Percentage of the principal portion of any Excess Losses (other than
          Excess Bankruptcy Losses attributable to Debt Service Reductions), and
 (y) the Senior Prepayment Percentage of the applicable Non-PO
          Percentage of the sum of (A) all Net Liquidation Proceeds allocable to
       principal received in respect of each such Liquidated Mortgage Loan
   (other than Mortgage Loans described in clause (B)) and (B) the
        principal balance of each such Mortgage Loan purchased by an insurer
         from the Trustee pursuant to the related Primary Insurance Policy, in
each case during the related Prepayment Period;             

            (iv) the Senior Prepayment Percentage of the applicable Non-PO
       Percentage of the Scheduled Principal Balance of each Mortgage Loan
     which was purchased on such Distribution Date pursuant to Section
2.02, 2.03(a) or 3.16; and                                  

           (v) the Senior Prepayment Percentage of the applicable Non-PO
Percentage of the Substitution Amount for any Mortgage Loan 
substituted during the month of such Distribution Date.     

      For purposes of clause (ii) above, a Voluntary Principal
    Prepayment in full with respect to a Mortgage Loan serviced by a
   Primary Servicer shall be deemed to have been received when the
Company, as servicer, receives notice thereof.              

          Senior Percentage: As to any Distribution Date, the lesser of (i) 100%
and (ii) the percentage (carried to six places rounded up) obtained by
     dividing the Senior Certificate Principal Balance immediately prior to such
Distribution Date by an amount equal to the sum of the Certificate    
Principal Balances of all the Certificates other than any Class PO    
Certificates immediately prior to such Distribution Date.             

     Senior Prepayment Percentage: For any Distribution Date occurring
  prior to the fifth anniversary of the first Distribution Date, 100%. For
  any Distribution Date occurring on or after the fifth anniversary of the
first Distribution Date, an amount as follows:                        

          (i) for any Distribution Date subsequent to June 2004 to and
       including the Distribution Date in June 2005, the Senior Percentage
         for such Distribution Date plus 70% of the Junior Percentage for such
Distribution Date;                                          

           (ii) for any Distribution Date subsequent to June 2005 to and
       including the Distribution Date in June 2006, the Senior Percentage
         for such Distribution Date plus 60% of the Junior Percentage for such
Distribution Date;                                          

            (iii) for any Distribution Date subsequent to June 2006 to and
       including the Distribution Date in June 2007, the Senior Percentage
         for such Distribution Date plus 40% of the Junior Percentage for such
Distribution Date;                                          

           (iv) for any Distribution Date subsequent to June 2007 to and
       including the Distribution Date in June 2008, the Senior Percentage
         for such Distribution Date plus 20% of the Junior Percentage for such
Distribution Date; and                                      

             (v) for any Distribution Date thereafter, the Senior Percentage
for such Distribution Date.                                 

            Notwithstanding the foregoing, if on any Distribution Date the
     Senior Percentage exceeds the Senior Percentage as of the Closing
          Date, the Senior Prepayment Percentage for such Distribution Date will
equal 100%.                                                 

             In addition, notwithstanding the foregoing, no reduction of the
       Senior Prepayment Percentage below the level in effect for the most
      recent prior period as set forth in clauses (i) through (iv) above
          shall be effective on any Distribution Date unless at least one of the
following two tests is satisfied:                           

Test I: If, as of the last day of the month preceding such  
Distribution Date, (i) the aggregate Scheduled Principal Balance of   
   Mortgage Loans delinquent 60 days or more (including for this purpose any
  Mortgage Loans in foreclosure and REO Mortgage Loans) as a percentage of
the aggregate Class Certificate Principal Balance of the Junior       
Certificates as of such date, does not exceed 50%, and (ii) cumulative
     Realized Losses with respect to the Mortgage Loans do not exceed (a) 30% of
the aggregate Class Certificate Principal Balance of the Junior       
  Certificates as of the Closing Date (the "Original Subordinate Principal
    Balance") if such Distribution Date occurs between and including July 2004
 and June 2005, (b) 35% of the Original Subordinate Principal Balance if
such Distribution Date occurs between and including July 2005 and June
2006, (c) 40% of the Original Subordinate Principal Balance if such   
     Distribution Date occurs between and including July 2006 and June 2007, (d)
     45% of the Original Subordinate Principal Balance if such Distribution Date
 occurs between and including July 2007 and June 2008 and (e) 50% of the
 Original Subordinate Principal Balance if such Distribution Date occurs
during or after July 2008; or                                         

Test II: If, as of the last day of the month preceding such 
Distribution Date, (i) the aggregate Scheduled Principal Balance of   
   Mortgage Loans delinquent 60 days or more (including for this purpose any
 Mortgage Loans in foreclosure and REO Mortgage Loans) averaged over the
 last three months, as a percentage of the aggregate Scheduled Principal
 Balance of Mortgage Loans averaged over the last three months, does not
     exceed 4%, and (ii) cumulative Realized Losses with respect to the Mortgage
   Loans do not exceed (a) 10% of the Original Subordinate Principal Balance
   if such Distribution Date occurs between and including July 2004 and June
2005, (b) 15% of the Original Subordinate Principal Balance if such   
     Distribution Date occurs between and including July 2005 and June 2006, (c)
     20% of the Original Subordinate Principal Balance if such Distribution Date
occurs between and including July 2006 and June 2007, (d) 25% of the  
 Original Subordinate Principal Balance if such Distribution Date occurs
   between and including July 2007 and June 2008 and (e) 30% of the Original
  Subordinate Principal Balance if such Distribution Date occurs during or
after July 2008.                                                      

       Senior Principal Priorities: The priorities for the distribution of
principal to the Senior Certificates as set forth in Exhibit O hereto.

       Servicer's Certificate: A certificate, completed by and executed on
 behalf of the Company by a Servicing Officer in accordance with Section
   4.06, substantially in the form of Exhibit D hereto or in such other form
as the Company and the Trustee shall agree.                           

    Servicing Fee: As to any Mortgage Loan and Distribution Date, an
    amount equal to the product of (i) the Scheduled Principal Balance of such
   Mortgage Loan as of the Due Date in the preceding calendar month and (ii)
the Servicing Fee Rate for such Mortgage Loan.                        

   Servicing Fee Rate: As to any Mortgage Loan, the per annum rate
 identified as such for such Mortgage Loan and set forth in the Mortgage
Loan Schedule.                                                        

 Servicing Officer: Any officer of the Company involved in, or
 responsible for, the administration and servicing of the Mortgage Loans
     whose name appears on a list of servicing officers attached to an Officer's
    Certificate furnished to the Trustee by the Company, as such list may from
time to time be amended.                                              

 Single Certificate: A Certificate with an Initial Certificate
    Principal Balance, or initial Notional Principal Balance, of $1,000 or, in
the case of a Class of Certificates issued with an initial Class      
     Certificate Principal Balance or initial Notional Principal Balance of less
than $1,000, such lesser amount.                                      

        Special Event Loss: Any Fraud Loss, Special Hazard Loss or Deficient
Valuation.                                                            

    Special Hazard Loss: (i) A Realized Loss suffered by a Mortgaged
Property on account of direct physical loss, exclusive of (a) any loss
covered by a hazard policy or a flood insurance policy required to be 
     maintained in respect of such Mortgaged Property under Section 3.06 and (b)
any loss caused by or resulting from:                                 

(A) normal wear and tear;                         

               (B) conversion or other dishonest act on the part of the Trustee,
the Company or any of their agents or employees; or         

           (C) errors in design, faulty workmanship or faulty materials,
 unless the collapse of the property or a part thereof ensues;

               or (ii) any Realized Loss suffered by the Trust Fund arising from
        or related to the presence or suspected presence of hazardous wastes
         or hazardous substances on a Mortgaged Property unless such loss to a
         Mortgaged Property is covered by a hazard policy or a flood insurance
          policy required to be maintained in respect of such Mortgaged Property
under Section 3.06.                                         

      Special Hazard Loss Amount: As of any Distribution Date, an amount
  equal to $4,987,507 minus the sum of (i) the aggregate amount of Special
    Hazard Losses that would have been allocated to the Junior Certificates in
accordance with Section 4.03 in the absence of the Loss Allocation    
Limitation and (ii) the Adjustment Amount (as defined below) as most  
recently calculated. On each anniversary of the Cut-off Date, the     
"Adjustment Amount" shall be equal to the amount, if any, by which the
     amount calculated in accordance with the preceding sentence (without giving
effect to the deduction of the Adjustment Amount for such anniversary)
 exceeds the lesser of (x) the greater of (A) the product of the Special
Hazard Percentage for such anniversary multiplied by the outstanding  
principal balance of all the Mortgage Loans on the Distribution Date  
immediately preceding such anniversary and (B) twice the outstanding  
  principal balance of the Mortgage Loan which has the largest outstanding
principal balance on the Distribution Date immediately preceding such 
  anniversary, and (y) an amount calculated by the Company and approved by
each Rating Agency, which amount shall not be less than $500,000.     

          Special Hazard Percentage: As of each anniversary of the Cut-off Date,
the greater of (i) 1.00% and (ii) the largest percentage obtained by  
dividing (x) the aggregate outstanding principal balance (as of the   
   immediately preceding Distribution Date) of the Mortgage Loans secured by
   Mortgaged Properties located in a single, five-digit zip code area in the
 State of California by (y) the outstanding principal balance of all the
Mortgage Loans as of the immediately preceding Distribution Date.     

         Special Hazard Termination Date: The Distribution Date upon which the
  Special Hazard Loss Amount has been reduced to zero or a negative number
(or the Cross-Over Date, if earlier).                                 

Specified Component: None.                                  

Startup Day: As defined in Section 2.05(b).                 

Strip Rate: With respect to the Class S Certificates and any
     Distribution Date, a variable rate per annum equal to the excess of (x) the
  weighted average (by Scheduled Principal Balance) carried to six decimal
places, rounded down, of the Net Mortgage Rates of the Outstanding    
  Non-Discount Mortgage Loans as of the Due Date in the preceding calendar
 month (or the Cut-off Date, in the case of the first Distribution Date)
over (y) the Designated Rate; provided, however, that such calculation
 shall not include any Mortgage Loan that was the subject of a Voluntary
Principal Prepayment in full received by the Company (or of which the 
Company received notice, in the case of a Mortgage Loan serviced by a 
   Primary Servicer) on or after the first day but on or before the 15th day
of such preceding calendar month.                                     

         Subordinate Certificates: As to any date of determination, first, the
     Class B5 Certificates until the Class Certificate Principal Balance thereof
     has been reduced to zero; second, the Class B4 Certificates until the Class
    Certificate Principal Balance thereof has been reduced to zero; third, the
     Class B3 Certificates until the Class Certificate Principal Balance thereof
     has been reduced to zero; fourth, the Class B2 Certificates until the Class
    Certificate Principal Balance thereof has been reduced to zero; fifth, the
     Class B1 Certificates until the Class Certificate Principal Balance thereof
 has been reduced to zero; and sixth, the Class M Certificates until the
Class Certificate Principal Balance thereof has been reduced to zero. 

          Subordinate Certificate Writedown Amount: As to any Distribution Date,
first, any amount distributed to the Class PO Certificates on such    
    Distribution Date pursuant to Section 4.01(a)(iv) and second, after giving
  effect to the application of clause first above, the amount by which (i)
     the sum of the Class Certificate Principal Balances of all the Certificates
   (after giving effect to the distribution of principal and the application
  of Realized Losses in reduction of the Certificate Principal Balances of
   the related Certificates on such Distribution Date) exceeds (ii) the Pool
Scheduled Principal Balance on the first day of the month of such     
  Distribution Date less any Deficient Valuations occurring on or prior to
the Bankruptcy Coverage Termination Date.                             

      Substitution Amount: With respect to any Mortgage Loan substituted
pursuant to Section 2.03(b), the excess of (x) the Scheduled Principal
Balance of the Mortgage Loan that is substituted for, over (y) the    
   Scheduled Principal Balance of the related substitute Mortgage Loan, each
balance being determined as of the date of substitution.              

       Surety: Ambac Assurance Corporation, or its successors in interest.

       Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE),
  dated February 28, 1996, issued by the Surety for the benefit of certain
    beneficiaries, including the Trustee for the benefit of the Holders of the
    Certificates, but only to the extent that such Limited Purpose Surety Bond
covers any Pledged Asset Mortgage Loans.                              

 TAC Balance: As to any Distribution Date and any Class of TAC
     Certificates and any TAC Component, the balance designated as such for such
     Distribution Date and such Class or Component as set forth in the Principal
Balance Schedules attached as Exhibit B hereto.                       

TAC Certificates: None.                                     

TAC Component: None.                                        

          Trigger Event: Any one or more of the following: (i) if the Company is
not a wholly-owned direct or indirect subsidiary of General Electric  
    Company or if General Electric Capital Corporation shall not own (directly
or indirectly) at least two-thirds of the voting shares of the capital
stock of the Company, (ii) if the long-term senior unsecured rating of
     General Electric Capital Corporation is downgraded or withdrawn by Fitch or
  S&P below their two highest rating categories, (iii) if General Electric
 Capital Corporation is no longer obligated pursuant to the terms of the
  support agreement, dated as of October 1, 1990, between General Electric
     Capital Corporation and the Company, to maintain the Company's net worth or
liquidity (as such terms are defined therein) at the levels specified 
     therein, or if such support agreement, including any amendment thereto, has
     been breached, terminated or otherwise held to be unenforceable and (iv) if
such support agreement, including any amendment thereto, is amended or
modified.                                                             

 Trust Fund: The corpus of the trust created by this Agreement
evidenced by the Certificates and consisting of:                      

(i) the Mortgage Loans;                           

             (ii) all payments on or collections in respect of such Mortgage
          Loans, except as otherwise described in the first paragraph of Section
       2.01, including the proceeds from the liquidation of any Additional
Collateral for any Pledged Asset Mortgage Loan;             

               (iii) the obligation of the Company to deposit in the Certificate
          Account the amounts required by Sections 3.02(d), 3.02(e) and 4.04(a),
   and the obligation of the Trustee to deposit in the Certificate
Account any amount required pursuant to Section 4.04(b);    

           (iv) the obligation of the Company to purchase or replace any
Defective Mortgage Loan pursuant to Section 2.02 or 2.03;   

         (v) all property acquired by foreclosure or deed in lieu of
foreclosure with respect to any REO Mortgage Loan;          

              (vi) the proceeds of the Primary Insurance Policies, if any, and
         the hazard insurance policies required by Section 3.06, in each case,
       in respect of the Mortgage Loans, and the Company's interest in the
    Surety Bond transferred to the Trustee pursuant to Section 2.01;

           (vii) the Certificate Account established pursuant to Section
3.02(d);                                                    

          (viii) the Eligible Account or Accounts, if any, established
pursuant to Section 3.02(e);                                

             (ix) any collateral funds established to secure the obligations
          of the Holder of the Class B4 and Class B5 Certificates, respectively,
         under any agreements entered into between such holder and the Company
pursuant to Section 3.08(e) (which collateral funds will not
constitute a part of any REMIC established hereunder); and  

          (x) all rights of the Company as assignee under any security
          agreements, pledge agreements or guarantees relating to the Additional
       Collateral supporting any Pledged Asset Mortgage Loan (which rights
   will not constitute a part of any REMIC established hereunder).

        Trustee: The institution executing this Agreement as Trustee, or its
   successor in interest, or if any successor trustee is appointed as herein
provided, then such successor trustee so appointed.                   

 Unanticipated Recovery: As defined in Section 4.01(f) herein.

          Uninsured Cause: Any cause of damage to property subject to a Mortgage
such that the complete restoration of the property is not fully       
 reimbursable by the hazard insurance policies required to be maintained
pursuant to Section 3.06.                                             

        Unpaid Class Interest Shortfall: As to any Distribution Date and any
    Class of Certificates (other than any Class of Principal Only Certificates
and any Class consisting of Specified Components) or any Specified    
     Component (other than any Principal Only Component), the amount, if any, by
   which the aggregate of the Class Interest Shortfalls for such Class or in
respect of such Specified Component for prior Distribution Dates is in
    excess of the aggregate amounts distributed on prior Distribution Dates to
Holders of such Class of Certificates or in respect of such Specified 
     Component (or added to the Class Certificate Principal Balance of any Class
of Accrual Certificates, or to the Component Principal Balance of any 
   Accrual Component constituting a Specified Component) pursuant to Section
   4.01(a)(ii), in the case of the Senior Certificates (other than any Class
    of Principal Only Certificates) and any Specified Component thereof (other
  than any Principal Only Component) and the Class S Certificates, Section
    4.01(a)(vi), in the case of the Class M Certificates, Section 4.01(a)(ix),
     in the case of the Class B1 Certificates, Section 4.01(a)(xii), in the case
     of the Class B2 Certificates, Section 4.01(a)(xv), in the case of the Class
B3 Certificates, Section 4.01(a)(xviii), in the case of the Class B4  
Certificates, and Section 4.01(a)(xxi), in the case of the Class B5   
Certificates. As to any Class of Certificates consisting of Specified 
    Components and any Distribution Date, the sum of the Unpaid Class Interest
Shortfalls for the Specified Components thereof on such date.         

          Voluntary Principal Prepayment: With respect to any Distribution Date,
any prepayment of principal received from the related Mortgagor on a  
Mortgage Loan.                                                        

Voting Rights: The portion of the voting rights of all the  
Certificates that is allocated to any Certificate for purposes of the 
  voting provisions of Section 10.01. At all times during the term of this
    Agreement, 99% of all Voting Rights shall be allocated to the Certificates
   other than the Class S Certificates, and 1% of all Voting Rights shall be
     allocated to the Class S Certificates. Voting Rights allocated to the Class
   S Certificates shall be allocated among the Certificates of such Class in
     proportion to their Notional Principal Balances. Voting Rights allocated to
 the other Classes of Certificates shall be allocated among such Classes
    (and among the Certificates within each such Class) in proportion to their
   Class Certificate Principal Balances (or Certificate Principal Balances),
as the case may be.                                                   

ARTICLE II

 CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES

   Section 2.01. Conveyance of Mortgage Loans. (a) The Company, concurrently
with the execution and delivery of this Agreement, does hereby transfer, assign,
set-over and otherwise convey to the Trustee without recourse (except as        
provided herein) all the right, title and interest of the Company in and to the 
Mortgage Loans, including all interest and principal received by the Company on 
or with respect to the Mortgage Loans (other than payments of principal and     
interest due and payable on the Mortgage Loans on or before, and all Principal  
Prepayments received on or before, the Cut-off Date). The Company acknowledges  
it has sold all right, title and interest in and to the Mortgage Loans to the   
Trustee to the extent provided above and that retention of record title of      
Mortgages (subject to Section 2.01(d) of this Agreement) is for convenience only
and that the Company holds record title solely as custodian for the Trustee for 
benefit of the Certificateholders. The Company agrees that it will take no      
action inconsistent with ownership of the Mortgage Loans by the Trustee and will
not deliver any instrument of satisfaction or conveyance with respect to a      
Mortgage or a Mortgage Loan, or convey or purport to convey any interest in a   
Mortgage Loan, except in accordance with the terms and the intent of this       
Agreement.                                                                      

   In addition, with respect to any Pledged Asset Mortgage Loan, the Company
does hereby transfer, assign, set-over and otherwise convey to the Trustee      
without recourse (except as provided herein) (i) its rights as assignee under   
any security agreements, pledge agreements or guarantees relating to the        
Additional Collateral supporting any Pledged Asset Mortgage Loan, (ii) its      
security interest in and to any Additional Collateral, (iii) its right to       
receive payments in respect of any Pledged Asset Mortgage Loan pursuant to the  
Pledged Asset Mortgage Servicing Agreement, and (iv) its rights as beneficiary  
under the Surety Bond in respect of any Pledged Asset Mortgage Loan.            

(b) In connection with such transfer and assignment, the Company does 
hereby deliver to the Trustee the following documents or instruments with       
respect to:                                                                     

         (1) Each Mortgage Loan (other than any Cooperative Loan or Designated
Loan) so transferred and assigned:                                    

              (i) The Mortgage Note, endorsed without recourse in blank by the
      Company, including all intervening endorsements showing a complete
      chain of endorsement from the originator to the Company; provided,
        however, that if such Mortgage Note is a Confirmatory Mortgage Note,
          such Confirmatory Mortgage Note may be payable directly to the Company
       or may show a complete chain of endorsement from the named payee to
the Company;                                                

(ii) Any assumption and modification agreement;   

              (iii) An assignment in recordable form (which may be included in
        a blanket assignment or assignments) of the Mortgage to the Trustee;
and                                                         

(2) Each Cooperative Loan (other than a Designated Loan) so 
transferred and assigned:                                             

              (i) The Mortgage Note, endorsed without recourse in blank by the
  Company and showing an unbroken chain of endorsements from the
       originator to the Company; provided, however, that if such Mortgage
         Note is a Confirmatory Mortgage Note, such Confirmatory Mortgage Note
          may be payable directly to the Company or may show a complete chain of
endorsement from the named payee to the Company;            

               (ii) A counterpart of the Proprietary Lease and the Assignment of
   Proprietary Lease executed in blank or to the originator of the
Cooperative Loan;                                           

               (iii) The related Cooperative Stock Certificate, together with an
        undated stock power (or other similar instrument) executed in blank;

    (iv) A counterpart of the recognition agreement by the
     Cooperative of the interests of the mortgagee with respect to the
related Cooperative Loan;                                   

(v) The Security Agreement;                       

            (vi) Copies of the original UCC-1 financing statement, and any
        continuation statements, filed by the originator of such Cooperative
   Loan as secured party, each with evidence of recording thereof,
          evidencing the interest of the originator in the Cooperative Stock and
the Proprietary Lease;                                      

         (vii) If applicable, copies of the UCC-3 assignments of the
 security interest described in clause (vi) above, sent to the
      appropriate public office for filing, showing an unbroken chain of
     title from the originator to the Company, evidencing the security
interest of the originator in the Cooperative Stock and the 
Proprietary Lease;                                          

              (viii) An executed assignment (which may be a blanket assignment
    for all Cooperative Loans) of the interest of the Company in the
Security Agreement, Assignment of Proprietary Lease and the 
    recognition agreement described in clause (iv) above, showing an
   unbroken chain of title from the originator to the Trustee; and

            (ix) A UCC-3 assignment from the Company to the Trustee of the
          security interest described in clause (vi) above, in form suitable for
          filing, otherwise complete except for filing information regarding the
     original UCC-1 if unavailable (which may be included in a blanket
assignment to the Trustee).                                 

 In instances where a completed assignment of the Mortgage in recordable
form cannot be delivered by the Company to the Trustee in accordance with       
Section 2.01(b)(1)(iii) prior to or concurrently with the execution and delivery
of this Agreement, due to a delay in connection with recording of the Mortgage, 
the Company may, in lieu of delivering the completed assignment in recordable   
form, deliver to the Trustee the assignment in such form, otherwise complete    
except for recording information.                                               

     (3) With respect to each Designated Loan, the Company does hereby
deliver to the Trustee the Designated Loan Closing Documents.         

   (c) In connection with each Mortgage Loan transferred and assigned to the
Trustee, the Company shall deliver to the Trustee the following documents or    
instruments as promptly as practicable, but in any event within 30 days, after  
receipt by the Company of all such documents and instruments for all of the     
outstanding Mortgage Loans:                                                     

        (1) the Mortgage with evidence of recording indicated thereon (other
than with respect to a Cooperative Loan);                             

          (2) a copy of the title insurance policy (other than with respect to a
Cooperative Loan);                                                    

  (3) with respect to any Mortgage that has been assigned to the
Company, the related recorded intervening assignment or assignments of
     Mortgage, showing a complete chain of assignment from the originator to the
Company (other than with respect to a Cooperative Loan); and          

          (4) with respect to any Cooperative Loan that has been assigned to the
Company, the related filed intervening UCC-3 financing statements (not
previously delivered pursuant to Section 2.01(b)(2)(vii)), showing a  
complete chain of assignment from the named originator to the Company.

Pending such delivery, the Company shall retain in its files (a) copies of the  
documents described in clauses (1) and (3) of the preceding sentence, without   
evidence of recording thereon, and (b) title insurance binders with respect to  
the Mortgage Loans (other than with respect to a Cooperative Loan). The Company 
shall also retain in its files the Primary Insurance Policy evidencing any      
primary mortgage insurance relating to the Mortgage Loans during the period when
the related insurance is in force. (The copies of the Mortgage, intervening     
assignments of Mortgage, if any, title insurance binder and the Primary         
Insurance Policy, if any, described in the two preceding sentences are          
collectively referred to herein as the "Document File" with respect to each     
Mortgage Loan.) The Company shall advise the Trustee in writing if such delivery
to the Trustee shall not have occurred on or before the first anniversary of the
Closing Date. The Company shall promptly furnish to the Trustee the documents   
included in the Document Files (other than any such documents previously        
delivered to the Trustee as originals or copies) either (a) upon the written    
request of the Trustee or (b) when the Company or the Trustee obtains actual    
notice or knowledge of a Trigger Event. The Trustee shall have no obligation to 
request delivery of the Document Files unless a Responsible Officer of the      
Trustee has actual notice or knowledge of the occurrence of a Trigger Event.    

 In the case of Mortgage Loans which have been prepaid in full after the
Cut-off Date and prior to the date of execution and delivery of this Agreement, 
the Company, in lieu of delivering the above documents to the Trustee, herewith 
delivers to the Trustee a certification of a Servicing Officer of the nature set
forth in Section 3.09.                                                          

(d) The Company shall not be required to record the assignments of the
Mortgages referred to in Section 2.01(b)(1)(iii) or file the UCC-3 assignments  
referred to in Section 2.01(b)(2)(ix) to the Trustee unless the Company or the  
Trustee obtains actual notice or knowledge of the occurrence of any Trigger     
Event; provided, however, that such recording or filing shall not be required if
the Company delivers to the Trustee a letter from each Rating Agency to the     
effect that the failure to take such action will not cause such Rating Agency to
reduce or withdraw its then current ratings of the Certificates. The party      
obtaining actual notice or knowledge of any of such events shall give the other 
party prompt written notice thereof. For purposes of the foregoing (as well as  
for purposes of determining whether the Company shall be required to deliver the
Document Files to the Trustee following the occurrence of a Trigger Event), the 
Company shall be deemed to have knowledge of any such downgrading referred to in
the definition of Trigger Event if, in the exercise of reasonable diligence, the
Company has or should have had knowledge thereof. As promptly as practicable    
subsequent to the Company's delivery or receipt of such written notice, as the  
case may be, the Company shall insert the recording or filing information in the
assignments of the Mortgages or UCC-3 assignments to the Trustee and shall cause
the same to be recorded or filed, at the Company's expense, in the appropriate  
public office for real property records or UCC financing statements, except that
the Company need not cause to be so completed and recorded any assignment of    
mortgage which relates to a Mortgage Loan secured by property in a jurisdiction 
under the laws of which, on the basis of an Opinion of Counsel reasonably       
satisfactory to the Trustee and satisfactory to each Rating Agency (as evidenced
in writing), recordation of such assignment is not necessary to protect the     
Trustee against discharge of such Mortgage Loan by the Company or any valid     
assertion that any Person other than the Trustee has title to or any rights in  
such Mortgage Loan. In the event that the Company fails or refuses to record or 
file the assignment of Mortgages or UCC-3 financing statement in the            
circumstances provided above, the Trustee shall record or cause to be recorded  
or filed such assignment or UCC-3 financing statement at the expense of the     
Company. In connection with any such recording or filing, the Company shall     
furnish such documents as may be reasonably necessary to accomplish such        
recording or filing. Notwithstanding the foregoing, at any time the Company may 
record or file, or cause to be recorded or filed, the assignments of Mortgages  
or UCC-3 financing statement at the expense of the Company.                     

     Section 2.02. Acceptance by Trustee. Subject to the examination hereinafter
provided, the Trustee acknowledges receipt of the Mortgage Notes, the           
assignments of the Mortgages to the Trustee, the assumption and modification    
agreements, if any, the documents specified in Section 2.01(b)(2) (subject to   
any permitted delayed delivery of the documents described in Section            
2.01(c)(4)), and the Designated Loan Closing Documents, if any, delivered       
pursuant to Section 2.01, and declares that the Trustee holds and will hold such
documents and each other document delivered to it pursuant to Section 2.01 in   
trust, upon the trusts herein set forth, for the use and benefit of all present 
and future Certificateholders. The Trustee agrees, for the benefit of the       
Certificateholders, to review each Mortgage File within 45 days after (i) the   
execution and delivery of this Agreement, in the case of the Mortgage Notes, the
assignments of the Mortgages to the Trustee, the assumption and modification    
agreements, if any, the documents specified in Section 2.01(b)(2) (subject to   
any permitted delayed delivery of the documents described in Section            
2.01(c)(4)), and the Designated Loan Closing Documents, if any, (ii) delivery to
the Trustee after the Closing Date of the Mortgage Notes and the assumption and 
modification agreements, if any, with respect to each Designated Loan, and (iii)
delivery of the recorded Mortgages, title insurance policies, recorded          
intervening assignments of Mortgage, if any, and filed intervening UCC-3        
financing statements, if any, with respect to any Cooperative Loan to ascertain 
that all required documents set forth in Section 2.01 have been executed,       
received and recorded, if applicable, and that such documents relate to the     
Mortgage Loans identified in Exhibit C hereto. In performing such examination,  
the Trustee may conclusively assume the due execution and genuineness of any    
such document and the genuineness of any signature thereon. It is understood    
that the scope of the Trustee's examination of the Mortgage Files is limited    
solely to confirming, after receipt of the documents listed in Section 2.01,    
that such documents have been executed, received and recorded, if applicable,   
and relate to the Mortgage Loans identified in Exhibit C to this Agreement. If  
in the course of such review the Trustee finds (1) that any document required to
be delivered as aforesaid has not been delivered, or (2) any such document has  
been mutilated, defaced or physically altered without the borrower's            
authorization or approval, or (3) based upon its examination of such documents, 
the information with respect to any Mortgage Loan set forth on Exhibit C is not 
accurate, the Trustee shall promptly so notify the Company in writing, which    
shall have a period of 60 days after receipt of such notice to correct or cure  
any such defect. The Company hereby covenants and agrees that, if any such      
material defect cannot be corrected or cured, the Company will on a Distribution
Date which is not later than the first Distribution Date which is more than ten 
days after the end of such 60-day period repurchase the related Mortgage Loan   
from the Trustee at the Purchase Price therefor or replace such Mortgage Loan   
pursuant to Section 2.03(b); provided, however, that if the defect (or breach   
pursuant to Section 2.03(a)) is one that, had it been discovered before the     
Startup Day, would have prevented the Mortgage Loan from being a "qualified     
mortgage" within the meaning of the REMIC Provisions, such defect or breach     
shall be cured, or the related Mortgage Loan shall be repurchased or replaced,  
on a Distribution Date which falls within 90 days of the date of discovery of   
such defect or breach. The Purchase Price for the repurchased Mortgage Loan, or 
any amount required in respect of a substitution pursuant to Section 2.03(b),   
shall be deposited by the Company in the Certificate Account pursuant to Section
3.02(d) on the Business Day prior to the applicable Distribution Date and, upon 
receipt by the Trustee of written notification of such deposit signed by a      
Servicing Officer, the Trustee shall release or cause to be released to the     
Company the related Mortgage File and shall execute and deliver or cause to be  
executed and delivered such instruments of transfer or assignment, in each case 
without recourse, as shall be necessary to vest in the Company any Mortgage Loan
released pursuant hereto. It is understood and agreed that the obligation of the
Company to repurchase or replace any Mortgage Loan as to which a material defect
in a constituent document exists shall constitute the sole remedy respecting    
such defect available to Certificateholders or the Trustee on behalf of         
Certificateholders.                                                             

Upon receipt by the Trustee of the Mortgage Note with respect to a    
Designated Loan that is not defective in accordance with the fifth sentence of  
the preceding paragraph, the related Lost Note Affidavit delivered pursuant to  
Section 2.01 shall be void and the Trustee shall return it to the Company.      

    Section 2.03. Representations and Warranties of the Company; Mortgage Loan
Repurchase. (a) The Company hereby represents and warrants to the Trustee that: 

          (i) The information set forth in Exhibit C hereto was true and correct
in all material respects at the date or dates respecting which such   
information is furnished;                                             

          (ii) As of the date of the initial issuance of the Certificates, other
than with respect to Cooperative Loans, each Mortgage is a valid and  
   enforceable first lien on the property securing the related Mortgage Note
subject only to (a) the lien of current real property taxes and       
 assessments, (b) covenants, conditions and restrictions, rights of way,
     easements and other matters of public record as of the date of recording of
such Mortgage, such exceptions appearing of record being acceptable to
  mortgage lending institutions generally in the area wherein the property
subject to the Mortgage is located or specifically reflected in the   
appraisal obtained in connection with the origination of the related  
   Mortgage Loan obtained by the Company and (c) other matters to which like
    properties are commonly subject which do not materially interfere with the
benefits of the security intended to be provided by such Mortgage;    

 (iii) Immediately prior to the transfer and assignment herein
 contemplated, the Company had good title to, and was the sole owner of,
each Mortgage Loan and all action had been taken to obtain good record
 title to each related Mortgage. Each Mortgage Loan has been transferred
free and clear of any liens, claims and encumbrances;                 

       (iv) As of the date of the initial issuance of the Certificates, no
   payment of principal of or interest on or in respect of any Mortgage Loan
   is 30 or more days past due and none of the Mortgage Loans have been past
due 30 or more days more than once during the preceding 12 months;    

         (v) As of the date of the initial issuance of the Certificates, other
than with respect to Cooperative Loans, there is no mechanics' lien or
 claim for work, labor or material affecting the premises subject to any
   Mortgage which is or may be a lien prior to, or equal or coordinate with,
 the lien of such Mortgage except those which are insured against by the
title insurance policy referred to in (x) below;                      

          (vi) As of the date of the initial issuance of the Certificates, other
than with respect to Cooperative Loans, there is no delinquent tax or 
assessment lien against the property subject to any Mortgage;         

     (vii) As of the date of the initial issuance of the Certificates,
   there is no valid offset, defense or counterclaim to any Mortgage Note or
Mortgage, including the obligation of the Mortgagor to pay the unpaid 
principal and interest on such Mortgage Note;                         

          (viii) As of the date of the initial issuance of the Certificates, the
     physical property subject to any Mortgage (or, in the case of a Cooperative
    Loan, the related Cooperative Apartment) is free of material damage and is
in good repair;                                                       

   (ix) Each Mortgage Loan at the time it was made complied in all
material respects with applicable state and federal laws, including,  
  without limitation, usury, equal credit opportunity and disclosure laws;

      (x) Other than with respect to Cooperative Loans, a lender's title
     insurance policy or binder, or other assurance of title insurance customary
in the relevant jurisdiction therefor was issued on the date of the   
   origination of each Mortgage Loan and each such policy or binder is valid
and remains in full force and effect;                                 

      (xi) Each Mortgage Loan (other than a Pledged Asset Mortgage Loan)
     that had, as of the Cut-off Date, a Loan-to-Value Ratio of more than 80% is
covered by a Primary Insurance Policy so long as its then outstanding 
   principal amount exceeds 80% of the greater of (a) the Original Value and
   (b) the then current value of the related Mortgaged Property as evidenced
   by an appraisal thereof satisfactory to the Company, except to the extent
such coverage may otherwise be terminable under applicable law. Each  
     Primary Insurance Policy is issued by a private mortgage insurer acceptable
to FNMA or FHLMC;                                                     

         (xii) Each Mortgage Note is payable on the first day of each month in
self-amortizing monthly installments of principal and interest, with  
    interest payable in arrears, over an original term of not more than thirty
years;                                                                

         (xiii) Other than with respect to Cooperative Loans, the improvements
on the Mortgaged Properties are insured against loss under a hazard   
    insurance policy with extended coverage and conforming to the requirements
of Section 3.06 hereof. As of the date of initial issuance of the     
 Certificates, all such insurance policies are in full force and effect;

        (xiv) As to each condominium securing a Mortgage Loan or the related
   Mortgage Loan, (a) the related condominium is in a project that is on the
  FNMA or FHLMC approved list, (b) the related condominium is in a project
   that, upon submission of appropriate application, could be so approved by
    either FNMA or FHLMC, (c) the related Mortgage Loan meets the requirements
     for purchase by FNMA or FHLMC, (d) the related Mortgage Loan is of the type
    that could be approved for purchase by FNMA or FHLMC but for the principal
  balance of the related Mortgage Loan or the pre-sale requirements or (e)
the related Mortgage Loan has been approved by a nationally recognized
mortgage pool insurance company for coverage under a mortgage pool    
insurance policy issued by such insurer;                              

          (xv) Other than with respect to Cooperative Loans, no Mortgage Loan is
    secured by a leasehold interest in the related Mortgaged Property and each
Mortgagor holds fee title to the related Mortgaged Property;          

       (xvi) The Mortgage Loans and the Mortgaged Properties, individually
  and in the aggregate, conform in all material respects to the applicable
descriptions thereof contained in the Prospectus;                     

        (xvii) All appraisals have been prepared substantially in accordance
with the description contained under the caption "The Trusts -- The   
Mortgage Loans" in the Prospectus;                                    

         (xviii) No selection procedures, other than those necessary to comply
     with the representations and warranties set forth herein or the description
of the Mortgage Loans made in any disclosure document delivered to    
    prospective investors in the Certificates, have been utilized in selecting
   the Mortgage Loans from the Company's portfolio which would be adverse to
the interests of the Certificateholders;                              

          (xix) Other than with respect to Cooperative Loans, to the best of the
     Company's knowledge, at origination no improvement located on or being part
of a Mortgaged Property was in violation of any applicable zoning and 
subdivision laws and ordinances;                                      

          (xx) None of the Mortgage Loans is a temporary construction loan. With
   respect to any Mortgaged Property which constitutes new construction, the
  related construction has been completed substantially in accordance with
    the specifications therefor and any incomplete aspect of such construction
     shall not be material or interfere with the habitability or legal occupancy
   of the Mortgaged Property. Mortgage Loan amounts sufficient to effect any
   such completion are in escrow for release upon or in connection with such
    completion or a performance bond or completion bond is in place to provide
     funds for this purpose and such completion shall be accomplished within 120
days after weather conditions permit the commencement thereof;        

    (xxi) As of the Closing Date, each Mortgage Loan is a "qualified
mortgage" as defined in Section 860G(a)(3) of the Code;               

          (xxii) As of the Closing Date, the Company possesses the Document File
with respect to each Mortgage Loan, and, other than with respect to   
Cooperative Loans, the related Mortgages and intervening assignment or
    assignments of Mortgages, if any, have been delivered to a title insurance
company for recording;                                                

         (xxiii) With respect to each Mortgage Loan identified in Exhibit C as
a Cooperative Loan:                                                   

          (A) The Security Agreement creates a first lien in the stock
          ownership and leasehold rights associated with the related Cooperative
Apartment;                                                  

         (B) The lien created by the related Security Agreement is a
         valid, enforceable and subsisting first priority security interest in
     the related Cooperative Stock securing the related Mortgage Note,
       subject only to (a) liens of the Cooperative for unpaid assessments
    representing the Mortgagor's pro rata share of the Cooperative's
       payments for its blanket mortgage, current and future real property
        taxes, insurance premiums, maintenance fees and other assessments to
      which like collateral is commonly subject and (b) other matters to
     which like collateral is commonly subject which do not materially
          interfere with the benefits of the security intended to be provided by
  the Security Agreement. There are no liens against or security
       interest in the Cooperative Stock relating to such Cooperative Loan
         (except for unpaid maintenance, assessments and other amounts owed to
         the related Cooperative which individually or in the aggregate do not
        have a material adverse effect on such Cooperative Loan), which have
     priority over the Trustee's security interest in such Cooperative
Stock;                                                      

           (C) The Cooperative Stock that is pledged as security for the
          Mortgage Loan is held by a person as a "tenant-stockholder" within the
         meaning of section 216 of the Code, the related Cooperative that owns
         title to the related cooperative apartment building is a "cooperative
       housing corporation" within the meaning of section 216 of the Code,
  and such Cooperative is in material compliance with applicable
         federal, state and local laws which, if not complied with, could have
a material adverse effect on the Mortgaged Property; and    

          (D) There is no prohibition against pledging the Cooperative
Stock or assigning the Proprietary Lease; and               

        (xxiv) With respect to each Mortgage Loan identified on Exhibit C as
     having been originated or acquired under the Company's Enhanced Streamlined
   Refinance program, the value of the related Mortgaged Property, as of the
date of such origination or acquisition under the Company's Enhanced  
Streamlined Refinance program, is no less than the value thereof      
established at the time the mortgage loan that is the subject of the  
refinancing was originated.                                           

 It is understood and agreed that the representations and warranties set
forth in this Section 2.03(a) shall survive delivery of the respective Mortgage 
Files to the Trustee. Upon discovery by either the Company or the Trustee of a  
breach of any of the foregoing representations and warranties which materially  
and adversely affects the interests of the Certificateholders in the related    
Mortgage Loan, the party discovering such breach shall give prompt written      
notice to the other. Subject to the following sentence, within 60 days of its   
discovery or its receipt of notice of breach, or, with the prior written consent
of a Responsible Officer of the Trustee, such longer period specified in such   
consent, the Company shall cure such breach in all material respects or shall   
repurchase such Mortgage Loan from the Trustee or replace such Mortgage Loan    
pursuant to Section 2.03(b). Any such repurchase by the Company shall be        
accomplished in the manner set forth in Section 2.02, subject to the proviso of 
the third-to-last sentence thereof, and at the Purchase Price. It is understood 
and agreed that the obligation of the Company to repurchase or replace any      
Mortgage Loan as to which a breach occurred and is continuing shall constitute  
the sole remedy respecting such breach available to Certificateholders or the   
Trustee on behalf of Certificateholders and such obligation of the Company to   
repurchase or replace any such Mortgage Loan shall not be assumed by any Person 
which may succeed the Company as servicer hereunder, but shall continue as an   
obligation of the Company. Notwithstanding the preceding sentence, if a breach  
of the representation and warranty of the Company contained in Section          
2.03(a)(ix) occurs as a result of a violation of the federal Truth in Lending   
Act, 15 U.S.C. ss. 1601 et seq., as amended ("TILA") or any state truth-in      
lending or similar statute, and the Trustee or the Trust Fund is named as a     
defendant in a TILA suit or a suit under any such statutes in respect of such   
violation and liability in respect thereof is imposed upon the Trustee or the   
Trust Fund as assignees of the related Mortgage Loan pursuant to Section 1641 of
TILA, or any analogous provision of any such statute, the Company shall         
indemnify the Trustee and the Trust Fund from, and hold them harmless against,  
any and all losses, liabilities, damages, claims or expenses (including         
reasonable attorneys' fees) to which the Trustee and the Trust Fund, or either  
of them, become subject pursuant to TILA or any such statute, insofar as such   
losses, damages, claims or expenses (including reasonable attorneys' fees)      
result from such violation. The Company's obligations under the preceding       
sentence shall not impair or derogate from the Company's obligations to the     
Trustee under Section 8.05.                                                     

    (b) If the Company is required to repurchase any Mortgage Loan pursuant to
Section 2.02 or 2.03(a), the Company may, at its option, within the applicable  
time period specified in such respective Sections, remove such Defective        
Mortgage Loan from the terms of this Agreement and substitute one or more other 
mortgage loans for such Defective Mortgage Loan, in lieu of repurchasing such   
Defective Mortgage Loan, provided that no such substitution shall occur more    
than two years after the Closing Date. Any substitute Mortgage Loan shall (a)   
have a Scheduled Principal Balance (together with that of any other Mortgage    
Loan substituted for the same Defective Mortgage Loan) as of the first          
Distribution Date following the month of substitution not in excess of the      
Scheduled Principal Balance of the Defective Mortgage Loan as of such date (the 
amount of any difference, plus one month's interest thereon at the respective   
Net Mortgage Rate, to be deposited by the Company in the Certificate Account    
pursuant to Section 2.02), (b) have a Mortgage Rate not less than, and not more 
than one percentage point greater than, the Mortgage Rate of the Defective      
Mortgage Loan, (c) have the same Net Mortgage Rate as the Defective Mortgage    
Loan, (d) have a remaining term to stated maturity not later than, and not more 
than one year less than, the remaining term to stated maturity of the Defective 
Mortgage Loan, (e) be, in the reasonable determination of the Company, of the   
same type, quality and character as the Defective Mortgage Loan as if the defect
or breach had not occurred, (f) have a ratio of its current principal amount to 
its Original Value not greater than that of the removed Mortgage Loan and (g)   
be, in the reasonable determination of the Company, in compliance with the      
representations and warranties contained in Section 2.03(a), other than         
subparagraph (xvi) thereof, as of the date of substitution.                     

The Company shall amend the Mortgage Loan Schedule to reflect the     
withdrawal of any Defective Mortgage Loan and the substitution of a substitute  
Mortgage Loan therefor. Upon such amendment the Company shall be deemed to have 
made as to such substitute Mortgage Loan the representations and warranties set 
forth in Section 2.03(a), other than subparagraph (xvi) thereof, as of the date 
of such substitution, which shall be continuing as long as any Certificate shall
be outstanding or this Agreement has not been terminated, and the remedies for  
breach of any such representation or warranty shall be as set forth in Section  
2.03(a). Upon such amendment, the Trustee shall review the Mortgage File        
delivered to it relating to the substitute Mortgage Loan, within the time and in
the manner and with the remedies specified in Section 2.02, except that for     
purposes of this Section 2.03(b) (other than the two-year period specified in   
the first sentence of the preceding paragraph of this Section 2.03(b)), such    
time shall be measured from the date of the applicable substitution.            

Section 2.04. Execution of Certificates. The Trustee has caused to be 
executed, countersigned and delivered to or upon the order of the Company, in   
exchange for the Mortgage Loans, the Certificates in authorized denominations   
evidencing the entire ownership of the Trust Fund.                              

Section 2.05. Designations under the REMIC Provisions. (a) The Company
hereby designates the Classes of Certificates identified in Section 5.01(b),    
other than the Residual Certificate, as "regular interests," and the Class R    
Certificate as the single class of "residual interest," in the REMIC established
hereunder for purposes of the REMIC Provisions. The assets of the REMIC         
established hereunder will consist of the assets and rights specified in clauses
(i) though (viii) of the definition of the term Trust Fund, any Rounding        
Accounts, the Class A2 Interest Account and the Class A4 Interest Account.      

  (b) The Closing Date will be the "Startup Day" for the REMIC established
hereunder for purposes of the REMIC Provisions.                                 

(c) The "tax matters person" with respect to the REMIC established    
hereunder for purposes of the REMIC Provisions shall be (i) the Company, if the 
Company is the owner of a Class R Certificate, or (ii) in any other case, the   
beneficial owner of the Class R Certificate having the largest Percentage       
Interest of such Class; provided, however, that such largest beneficial owner   
and, to the extent relevant, each other holder of a Class R Certificate, by its 
acceptance thereof irrevocably appoints the Company as its agent and            
attorney-in-fact to act as "tax matters person" with respect to the REMIC       
established hereunder for purposes of the REMIC Provisions.                     

 (d) The "latest possible maturity date" of the regular interests in the
REMIC established hereunder is the Latest Possible Maturity Date for purposes of
section 860G(a)(1) of the Code.                                                 

   (e) In the event that the Servicing Fee exceeds the amount reasonable for
such services (within the meaning of Treasury Regulation 1.860D-1(b)(1)(ii)),   
the portion or portions of such fee that can be measured as a fixed number of   
basis points on some or all of the Mortgage Loans and can be treated as one or  
more stripped coupons within the meaning of Treasury Regulation                 
1.860D-1(b)(2)(iii) shall be treated as such stripped coupons and shall not be  
treated as a REMIC asset.                                                       

 ARTICLE III

ADMINISTRATION AND SERVICING OF MORTGAGE LOANS

     Section 3.01. Company to Act as Servicer. (a) It is intended that the REMIC
established hereunder shall constitute, and the affairs of the REMIC shall be   
conducted so as to qualify the Trust Fund (other than any collateral fund       
established under the agreement referred to in Section 3.08(e)) as, a "real     
estate mortgage investment conduit" as defined in and in accordance with the    
REMIC Provisions. In furtherance of such intention, the Company covenants and   
agrees that it shall act as agent (and the Company is hereby appointed to act as
agent) on behalf of the Trust Fund and the Holders of the Residual Certificates 
and that in such capacity it shall:                                             

        (i) prepare and file, or cause to be prepared and filed, in a timely
  manner, a U.S. Real Estate Mortgage Investment Conduit Income Tax Return
     (Form 1066) and prepare and file or cause to be prepared and filed with the
Internal Revenue Service and applicable state or local tax authorities
     income tax or information returns for each taxable year with respect to the
  REMIC established hereunder, using the calendar year as the taxable year
  and the accrual method of accounting, containing such information and at
the times and in the manner as may be required by the Code or state or
 local tax laws, regulations, or rules, and shall furnish or cause to be
     furnished to Certificateholders the schedules, statements or information at
such times and in such manner as may be required thereby;             

          (ii) within thirty days of the Closing Date, shall furnish or cause to
    be furnished to the Internal Revenue Service, on Form 8811 or as otherwise
     may be required by the Code, the name, title, address, and telephone number
of the person that the holders of the Certificates may contact for tax
information relating thereto (and the Company shall act as the        
representative of the REMIC established hereunder for this purpose),  
    together with such additional information as may be required by such Form,
  and shall update such information at the time or times and in the manner
required by the Code;                                                 

      (iii) make or cause to be made an election, on behalf of the REMIC
   established hereunder, to be treated as a REMIC, and make the appropriate
    designations, if applicable, in accordance with Section 2.05 hereof on the
  federal tax return of the Trust Fund for its first taxable year (and, if
necessary, under applicable state law);                               

       (iv) prepare and forward, or cause to be prepared and forwarded, to
the Certificateholders and to the Internal Revenue Service and, if    
  necessary, state tax authorities, all information returns or reports, or
   furnish or cause to be furnished by telephone, mail, publication or other
     appropriate method such information, as and when required to be provided to
     them in accordance with the REMIC Provisions, including without limitation,
the calculation of any original issue discount using the Prepayment   
Assumption Multiple;                                                  

        (v) provide information necessary for the computation of tax imposed
   on the transfer of a Residual Certificate to a Disqualified Organization,
or an agent (including a broker, nominee or other middleman) of a     
     Disqualified Organization, or a pass-through entity in which a Disqualified
  Organization is the record holder of an interest (the reasonable cost of
computing and furnishing such information may be charged to the Person
liable for such tax);                                                 

      (vi) use its best reasonable efforts to conduct the affairs of the
REMIC established hereunder at all times that any Certificates are    
     outstanding so as to maintain the status thereof as a REMIC under the REMIC
Provisions;                                                           

        (vii) not knowingly or intentionally take any action or omit to take
any action that would cause the termination of the REMIC status of the
REMIC or that would subject the Trust Fund to tax;                    

    (viii) exercise reasonable care not to allow the creation of any
  "interests" in the REMIC within the meaning of section 860D(a)(2) of the
  Code other than the interests represented by the Classes of Certificates
identified in Section 5.01(b);                                        

    (ix) exercise reasonable care not to allow the occurrence of any
   "prohibited transactions" within the meaning of section 860F of the Code,
     unless the Company shall have provided an Opinion of Counsel to the Trustee
    that such occurrence would not (a) result in a taxable gain, (b) otherwise
     subject the Trust Fund to tax, or (c) cause the REMIC established hereunder
to fail to qualify as a REMIC;                                        

       (x) exercise reasonable care not to allow the Trust Fund to receive
    income from the performance of services or from assets not permitted under
the REMIC Provisions to be held by a REMIC;                           

         (xi) pay the amount of any federal or state tax, including prohibited
  transaction taxes, taxes on certain contributions to the REMIC after the
    Startup Day, and taxes on net income from foreclosure property, imposed on
the Trust Fund when and as the same shall be due and payable (but such
  obligation shall not prevent the Company or any other appropriate Person
from contesting any such tax in appropriate proceedings and shall not 
   prevent the Company from withholding payment of such tax, if permitted by
law, pending the outcome of such proceedings);                        

       (xii) ensure that federal, state or local income tax or information
returns shall be signed by the Trustee or such other person as may be 
required to sign such returns by the Code or state or local laws,     
regulations or rules; and                                             

  (xiii) maintain such records relating to the REMIC established
  hereunder, including but not limited to the income, expenses, individual
     Mortgage Loans (including Mortgaged Property), other assets and liabilities
  thereof, and the fair market value and adjusted basis of the property of
     each determined at such intervals as may be required by the Code, as may be
necessary to prepare the foregoing returns, schedules, statements or  
information.                                                          

     The Company shall be entitled to be reimbursed pursuant to Section 3.04 for
any federal income taxes paid by it pursuant to clause (xi) of the preceding    
sentence, except to the extent that such taxes are imposed as a result of the   
bad faith, misfeasance or negligence of the Company in the performance of its   
obligations hereunder. With respect to any reimbursement of prohibited          
transaction taxes, the Company shall inform the Trustee of the circumstances    
under which such taxes were incurred.                                           

   (b) The Company shall service and administer the Mortgage Loans and shall
have full power and authority, acting alone or through one or more Primary      
Servicers, to do any and all things in connection with such servicing and       
administration which it may deem necessary or desirable. Without limiting the   
generality of the foregoing, the Company shall continue, and is hereby          
authorized and empowered by the Trustee, to execute and deliver, or file, as    
appropriate, on behalf of itself, the Certificateholders and the Trustee or any 
of them, any and all continuation statements, termination statements,           
instruments of satisfaction or cancellation, or of partial or full release or   
discharge and all other comparable instruments, with respect to the Mortgage    
Loans and with respect to the properties subject to the Mortgages. Without      
limitation of the foregoing, if the Company in its individual capacity agrees to
refinance any Mortgage Loan upon the request of the related Mortgagor, the      
Company, as servicer hereunder, may execute an instrument of assignment in      
customary form to the Company in its individual capacity. In connection with any
such refinancing, the Trustee shall, upon certification of a Servicing Officer  
to the effect that an amount equal to the principal balance of the related      
Mortgage Loan together with accrued and unpaid interest thereon at the          
applicable Net Mortgage Rate to the date of such certification has been credited
to the Mortgage Loan Payment Record, release the related Mortgage File to the   
Company whereupon the Company may cancel the related Mortgage Note. Upon request
by the Company after the execution and delivery of this Agreement, the Trustee  
shall furnish the Company with any powers of attorney and other documents       
necessary or appropriate to enable the Company to carry out its servicing and   
administrative duties hereunder. Except as otherwise provided herein, the       
Company shall maintain servicing standards substantially equivalent to those    
required for approval by FNMA or FHLMC. The Company shall not agree to any      
modification of the material terms of any Mortgage Loan except as provided in   
the second sentence of Section 3.02(a) and in Section 3.07. The Company shall   
not release any portion of any Mortgaged Property from the lien of the related  
Mortgage unless the related Mortgage Loan would be a "qualified mortgage" within
the meaning of the REMIC Provisions following such release.                     

(c) [Intentionally Omitted.]                                          

     (d) The relationship of the Company (and of any successor to the Company as
servicer under this Agreement) to the Trustee under this Agreement is intended  
by the parties to be that of an independent contractor and not that of a joint  
venturer, partner or agent.                                                     

  (e) All costs incurred by the Company in effecting the timely payment of
taxes and assessments on the properties subject to the Mortgage Loans shall not,
for the purpose of calculating monthly distributions to Certificateholders, be  
added to the amount owing under the related Mortgage Loans, notwithstanding that
the terms of such Mortgage Loans so permit, and such costs shall be recoverable 
by the Company to the extent permitted by Section 3.04. The Company shall       
collect such amounts from the Mortgagor and shall credit the Mortgage Loan      
Payment Record accordingly.                                                     

   (f) If the Company enters into a servicing agreement with any servicer (a
"Primary Servicer") pursuant to which such Primary Servicer shall directly      
service certain Mortgage Loans and the Company shall perform master servicing   
with respect thereto, the Company shall not be released from its obligations to 
the Trustee and Certificateholders with respect to the servicing and            
administration of the Mortgage Loans in accordance with the provisions of       
Article III hereof and such obligations shall not be diminished by virtue of any
such servicing agreement or arrangement and the Company shall be obligated to   
the same extent and under the same terms and conditions as if the Company alone 
were servicing and administering the Mortgage Loans. Any amounts received by a  
Primary Servicer in respect of a Mortgage Loan shall be deemed to have been     
received by the Company whether or not actually received by it. Any servicing   
agreement that may be entered into and any transactions or services relating to 
the Mortgage Loans involving a Primary Servicer in its capacity as such shall be
deemed to be between the Company and the Primary Servicer alone, and the Trustee
and the Certificateholders shall have no claims, obligations, duties or         
liabilities with respect thereto. Notwithstanding the foregoing, in the event   
the Company has been removed as the servicer hereunder pursuant to Section 6.04 
or Section 7.01, the Trustee or any successor servicer appointed pursuant to    
Section 7.02 shall succeed to all of the Company's rights and interests (but not
to any obligations or liabilities of the Company arising prior to the date of   
succession) under any servicing agreement with any Primary Servicer in respect  
of the Mortgage Loans, subject to the limitation on the Trustee's               
responsibilities under Section 7.02.                                            

   (g) In no event shall any collateral fund established under the agreement
referred to in Section 3.08(e) constitute an asset of any REMIC established     
hereunder.                                                                      

   Section 3.02. Collection of Certain Mortgage Loan Payments; Mortgage Loan
Payment Record; Certificate Account. (a) The Company shall make reasonable      
efforts to collect all payments called for under the terms and provisions of the
Mortgage Loans, and shall, to the extent such procedures shall be consistent    
with this Agreement, follow such collection procedures as it follows with       
respect to mortgage loans comparable to the Mortgage Loans in its servicing     
portfolio. Consistent with the foregoing, the Company may in its discretion (i) 
waive any late payment charge or any assumption fees or other fees which may be 
collected in the ordinary course of servicing such Mortgage Loan and (ii) if a  
default on the Mortgage Loan has occurred or is reasonably foreseeable, arrange 
at any time prior to foreclosure with a Mortgagor a schedule for the payment of 
due and unpaid principal and interest for a period extending not longer than two
years after the date that such schedule is arranged. Any arrangement of the sort
described in clause (ii) above shall not affect the amount or timing of the     
Company's obligation to make Monthly Advances with respect to any Mortgage Loan 
which Monthly Advances shall be made pursuant to the original amortization      
schedule applicable to such Mortgage Loan.                                      

     (b) The Company shall establish and maintain a Mortgage Loan Payment Record
in which the following payments on and collections in respect of each Mortgage  
Loan shall as promptly as practicable be credited by the Company for the account
of the Holders of the Certificates:                                             

 (i) All payments on account of principal, including Principal
  Prepayments (other than (A) payments of principal due and payable on the
     Mortgage Loans on or before, and all Principal Prepayments received before,
   the Cut-off Date, (B) in the case of a substitute Mortgage Loan, payments
of principal due and payable on such Mortgage Loan on or before the   
Determination Date in the month of substitution, and all Principal    
     Prepayments received before the first day of the month of substitution, and
    (C) in the case of a replaced Mortgage Loan, payments of principal due and
    payable on such Mortgage Loan after the Determination Date in the month of
substitution, and all Principal Prepayments received in the month of  
substitution);                                                        

        (ii) All payments (other than (A) those due and payable on or before
    the Cut-off Date, (B) in the case of a substitute Mortgage Loan, those due
  and payable on such Mortgage Loan on or before the Determination Date in
     the month of substitution, and (C) in the case of a replaced Mortgage Loan,
     those due and payable on such Mortgage Loan after the Determination Date in
 the month of substitution) on account of interest at the applicable Net
 Mortgage Rate on the Mortgage Loan received from the related Mortgagor,
including any Buydown Funds applied with respect to interest at the   
applicable Net Mortgage Rate on any Buydown Mortgage Loan;            

          (iii) All Liquidation Proceeds received by the Company with respect to
   such Mortgage Loan and the Purchase Price for any Mortgage Loan purchased
by the Company pursuant to Sections 2.02, 2.03 and 3.16 (including any
amounts received in respect of a substitution of a Mortgage Loan);    

         (iv) All Insurance Proceeds (including, for this purpose, any amounts
 required to be credited by the Company pursuant to the last sentence of
  Section 3.06) received by the Company for the benefit of the Trust Fund,
other than proceeds to be applied to the restoration or repair of the 
     property subject to the related Mortgage or released, or to be released, to
     the related Mortgagor in accordance with the normal servicing procedures of
the Company;                                                          

(v) All REO Proceeds;                                       

(vi) All Unanticipated Recoveries; and                      

         (vii) All amounts received by the Company with respect to any Pledged
Asset Mortgage Loan pursuant to the liquidation of any Additional     
    Collateral or pursuant to any recovery under the Surety Bond in accordance
with Section 4.09.                                                    

    The foregoing requirements respecting credits to the Mortgage Loan Payment
Record are exclusive, it being understood that, without limiting the generality 
of the foregoing, the Company need not enter in the Mortgage Loan Payment Record
collections, Liquidation Proceeds or Insurance Proceeds in respect of Mortgage  
Loans which have been previously released from the terms of this Agreement,     
amounts representing fees or late charge penalties payable by Mortgagors, or    
amounts received by the Company for the account of Mortgagors for application   
towards the payment of taxes, insurance premiums, assessments and similar items.

   (c) Subject to subsection (e) below, until the Business Day prior to each
Distribution Date on which amounts are required to be transferred to the        
Certificate Account pursuant to subsection (d) of this Section 3.02, the Company
may retain and commingle such amounts with its own funds and shall be entitled  
to retain for its own account any gain or investment income thereon, and any    
such investment income shall not be subject to any claim of the Trustee or      
Certificateholders. To the extent that the Company realizes any net loss on any 
such investments, the Company shall deposit in the Certificate Account an amount
equal to such net loss at the time the Company is required to deposit amounts in
the Certificate Account pursuant to subsection (d) of this section 3.02. Any    
such deposit shall not increase the Company's obligation under said subsection  
(d).                                                                            

(d) The Trustee shall establish and maintain with the Trustee in its  
corporate trust department a single separate trust account designated in the    
name of the Trustee for the benefit of the Holders of the Certificates issued   
hereunder (the "Certificate Account") into which the Company shall transfer, not
later than 11:00 a.m. New York time on the Business Day prior to each           
Distribution Date, an amount in next day funds equal to the sum of Available    
Funds for such Distribution Date and any Unanticipated Recoveries received in   
the calendar month preceding the month of such Distribution Date. If the Trustee
does not receive such transfer by 2:00 p.m. on such Business Day, it shall give 
the Company written notice thereof.                                             

   (e) If the Company or a Responsible Officer of the Trustee obtains actual
notice of or knowledge of the occurrence of either (x) any Trigger Event or (y) 
the downgrade by S&P of General Electric Capital Corporation's short-term senior
unsecured debt rating below A-1+ then, notwithstanding subsection (c) above, the
Company shall promptly establish, and thereafter maintain, one or more Eligible 
Accounts in the name of the Trustee and bearing a designation indicating that   
amounts therein are held for the benefit of the Trustee and the                 
Certificateholders, into which the Company and any Primary Servicer shall       
deposit within two Business Days after receipt, all amounts otherwise required  
to be credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b); 
provided, however, that such action shall not be required if the Company        
delivers to the Trustee a letter from each Rating Agency to the effect that the 
failure to take such action will not cause such Rating Agency to withdraw or    
reduce its then current ratings of the Certificates. All amounts so deposited   
shall be held in trust for the benefit of Certificateholders. Amounts so        
deposited may be invested at the written instruction of the Company in Permitted
Investments in the name of the Trustee maturing no later than the Business Day  
preceding the Distribution Date following the date of such investment; provided,
however, that any such Permitted Investment which is an obligation of State     
Street Bank and Trust Company, in its individual capacity and not in its        
capacity as Trustee, may mature on such Distribution Date; and, provided        
further, that no such Permitted Investment shall be sold before the maturity    
thereof if the sale thereof would result in the realization of gain prior to    
maturity unless the Company has obtained an Opinion of Counsel that such sale or
disposition will not cause the Trust Fund to be subject to the tax on prohibited
transactions under section 860F of the Code, or otherwise subject the Trust Fund
to tax or cause the REMIC established hereunder to fail to qualify as a REMIC.  
The Trustee shall maintain physical possession of all Permitted Investments,    
other than Permitted Investments maintained in book-entry form. The Company, as 
servicer, shall be entitled to retain for its own account any gain or other     
income from Permitted Investments, and neither the Trustee nor                  
Certificateholders shall have any right or claim with respect to such income.   
The Company shall deposit an amount equal to any loss realized on any Permitted 
Investment as soon as any such loss is realized. If the provisions in this      
subsection (e) become operable, references in this Agreement to the Mortgage    
Loan Payment Record and credits and debits to such Record shall be deemed to    
refer to Eligible Accounts and transfers to and withdrawals from such Eligible  
Accounts. Any action which may be necessary to establish the terms of an account
pursuant to this Section 3.02(e) may be taken by an amendment or supplement to  
this Agreement or pursuant to a written order of the Company, which amendment,  
supplement or order shall not require the consent of Certificateholders,        
provided that the Company has delivered to the Trustee a letter from each Rating
Agency to the effect that such amendment, supplement or order will not cause    
such Rating Agency to withdraw or reduce its then current ratings of the        
Certificates.                                                                   

    Section 3.03. Collection of Taxes, Assessments and Other Items. Other than
with respect to any Cooperative Loan, the Company shall establish and maintain  
with one or more depository institutions one or more accounts into which it     
shall deposit all collections of taxes, assessments, private mortgage or hazard 
insurance premiums or comparable items for the account of the Mortgagors. As    
servicer, the Company shall effect the timely payment of all such items for the 
account of Mortgagors. Withdrawals from such account or accounts may be made    
only to effect payment of taxes, assessments, private mortgage or standard      
hazard insurance premiums or comparable items, to reimburse the Company out of  
related collections for any payments made regarding taxes and assessments or for
any payments made pursuant to Section 3.05 regarding premiums on Primary        
Insurance Policies and Section 3.06 regarding premiums on standard hazard       
insurance policies, to refund to any Mortgagors any sums determined to be       
overages, or to pay interest owed to Mortgagors to the extent required by law.  

 Section 3.04. Permitted Debits to the Mortgage Loan Payment Record. The
Company (or any successor servicer pursuant to Section 7.02) may, from time to  
time, make debits to the Mortgage Loan Payment Record for the following         
purposes:                                                                       

       (i) To reimburse the Company or the applicable Primary Servicer for
   Liquidation Expenses theretofore incurred in respect of any Mortgage Loan
   in an amount not to exceed the amount of the related Liquidation Proceeds
credited to the Mortgage Loan Payment Record pursuant to Section      
    3.02(b)(iii); provided that the Company or the applicable Primary Servicer
  shall not be entitled to reimbursement for Liquidation Expenses incurred
     after the initiation of foreclosure proceedings in respect of any Defaulted
Mortgage Loan that is repurchased pursuant to Section 3.16;           

        (ii) To reimburse the Company or the applicable Primary Servicer for
 Insured Expenses and amounts expended by it pursuant to Section 3.08 in
 good faith in connection with the restoration of property damaged by an
Uninsured Cause, in an amount not to exceed the amount of the related 
    Insurance Proceeds and Liquidation Proceeds (net of any debits pursuant to
clause (i) above) and amounts representing proceeds of other insurance
    policies covering the property subject to the related Mortgage credited to
the Mortgage Loan Payment Record pursuant to Section 3.02(b) (iii) and
(iv);                                                                 

      (iii) To reimburse the Company to the extent permitted by Sections
3.01(a) and 6.04;                                                     

 (iv) To pay to the Company amounts received in respect of any
     Defective Mortgage Loan or Defaulted Mortgage Loan purchased by the Company
     to the extent that the distribution of any such amounts on the Distribution
  Date upon which the proceeds of such purchase are distributed would make
   the total amount distributed in respect of any such Mortgage Loan on such
Distribution Date greater than the Purchase Price therefor, net of any
unreimbursed Monthly Advances made by the Company;                    

    (v) To reimburse the Company (or the Trustee, as applicable) for
  Monthly Advances theretofore made in respect of any Mortgage Loan to the
   extent of late payments, REO Proceeds, Insurance Proceeds and Liquidation
Proceeds in respect of such Mortgage Loan;                            

        (vi) To reimburse the Company from any Mortgagor payment of interest
     or other recovery with respect to a particular Mortgage Loan, to the extent
not previously retained by the Company, for unpaid Servicing Fees with
respect to such Mortgage Loan, subject to Section 3.08(d);            

          (vii) To reimburse the Company (or the Trustee, as applicable) for any
Nonrecoverable Advance (which right of reimbursement of the Trustee   
pursuant to this clause shall be prior to such right of the Company); 

         (viii) To make transfers of funds to the Certificate Account pursuant
to Section 3.02(d);                                                   

          (ix) To pay to the Company amounts received in respect of any Mortgage
   Loan purchased by the Company pursuant to Section 9.01 to the extent that
  the distribution of any such amounts on the final Distribution Date upon
  which the proceeds of such purchase are distributed would make the total
amount distributed in respect of any such Mortgage Loan on such       
 Distribution Date greater than the purchase price therefor specified in
clause (x) of the first sentence of Section 9.01; and                 

         (x) To deduct any amount credited to the Mortgage Loan Payment Record
in error.                                                             

The Company shall keep and maintain separate accounting records, on a 
Mortgage Loan by Mortgage Loan basis, for the purpose of accounting for debits  
to the Mortgage Loan Payment Record pursuant to clauses (i), (ii), (iv), (v) and
(vi) of this Section 3.04; provided, however, that it is understood and agreed  
that the records of such accounting need not be retained by the Company for a   
period longer than the five most recent fiscal years.                           

Section 3.05. Maintenance of the Primary Insurance Policies. (a) The  
Company shall not take any action which would result in non-coverage under any  
applicable Primary Insurance Policy of any loss which, but for the actions of   
the Company, would have been covered thereunder. To the extent coverage is      
available, the Company shall keep or cause to be kept in full force and effect  
each such Primary Insurance Policy until the principal balance of the related   
Mortgage Note is 80% or less of the greater of (i) the related Original Value   
and (ii) the then current value of the property underlying the related Mortgage 
Note as evidenced by an appraisal thereof satisfactory to the Company; provided 
that no such Primary Insurance Policy need be kept in effect if doing so would  
violate applicable law. The Company shall not cancel or refuse to renew any such
Primary Insurance Policy applicable to a Mortgage Loan that is in effect at the 
Closing Date and is required to be kept in force hereunder unless the           
replacement Primary Insurance Policy for such canceled or non-renewed policy is 
maintained with an insurer whose claims-paying ability is acceptable to each    
Rating Agency for mortgage pass-through certificates having ratings equal to or 
better than the ratings then assigned to the Certificates by such Rating Agency.
The Company agrees to effect the timely payment of the premium on each Primary  
Insurance Policy, and such costs not otherwise recoverable shall be recoverable 
by the Company from related Insurance Proceeds and Liquidation Proceeds pursuant
to Section 3.04.                                                                

    (b) In connection with its activities as administrator and servicer of the
Mortgage Loans, the Company agrees to present, on behalf of itself, the Trustee 
and the Certificateholders, claims to the insurer under each Primary Insurance  
Policy and, in this regard, to take such reasonable action as shall be necessary
to permit recovery under any Primary Insurance Policy respecting a related      
defaulted Mortgage Loan. To the extent provided in Section 3.02(b), any amounts 
collected by the Company under any Primary Insurance Policy in respect of the   
Mortgage Loans (including, without limitation, a Mortgage Loan purchased by a   
related insurer) shall be credited to the Mortgage Loan Payment Record.         

   Section 3.06. Maintenance of Hazard Insurance. The Company shall cause to
be maintained for each Mortgage Loan, other than a Cooperative Loan, hazard     
insurance with a standard mortgagee clause and with extended coverage in an     
amount which is at least equal to the maximum insurable value of the            
improvements securing such Mortgage Loan from time to time or the principal     
balance owing on such Mortgage Loan from time to time, whichever is less. The   
Company shall also maintain on property (other than Cooperative Apartments)     
acquired upon foreclosure, or by deed in lieu of foreclosure, hazard insurance  
with extended coverage in an amount which is at least equal to the lesser of (i)
the maximum insurable value from time to time of the improvements which are a   
part of such property or (ii) the unpaid principal balance of such Mortgage Loan
at the time of such foreclosure or deed in lieu of foreclosure plus accrued     
interest and the good-faith estimate of the Company of related Liquidation      
Expenses to be incurred in connection therewith. To the extent provided in      
Section 3.02(b)(iv), amounts collected by the Company under any such policies in
respect of the Mortgage Loans shall be credited to the Mortgage Loan Payment    
Record. Such costs shall be recoverable by the Company pursuant to Sections 3.03
and 3.04. In cases in which property securing any Mortgage Loan other than a    
Cooperative Loan is located in a federally designated flood area, the hazard    
insurance to be maintained for such Mortgage Loan shall include flood insurance.
All such flood insurance shall be in such amounts as are required under         
applicable guidelines of FNMA. The Company shall be under no obligation to      
require that any Mortgagor maintain earthquake or other additional insurance and
shall be under no obligation itself to maintain any such additional insurance on
property acquired in respect of a Mortgage Loan, other than pursuant to such    
applicable laws and regulations as shall at any time be in force and as shall   
require such additional insurance. If the Company shall obtain and maintain a   
blanket policy insuring against hazard losses on all of the Mortgage Loans      
(whether or not including Cooperative Loans), it shall conclusively be deemed to
have satisfied its obligations as set forth in the first sentence of this       
Section 3.06, it being understood and agreed that such policy may contain a     
deductible clause, in which case the Company shall, in the event that there     
shall not have been maintained on the related Mortgaged Property a policy       
complying with the first sentence of this Section 3.06, and there shall have    
been a loss which would have been covered by such policy, credit to the Mortgage
Loan Payment Record the amount not otherwise payable under the blanket policy   
because of such deductible clause.                                              

  Section 3.07. Assumption and Modification Agreements. (a) In any case in
which property subject to a Mortgage has been or is about to be conveyed by the 
Mortgagor, the Company shall exercise its right to accelerate the maturity of   
such Mortgage Loan under any "due-on-sale" clause applicable thereto, unless in 
the reasonable discretion of the Company, such exercise would adversely affect  
or jeopardize coverage under the related Primary Insurance Policy, if any;      
provided, however, that if the Company is prevented, as provided in Section     
3.07(b), from enforcing any such clause, the Company is authorized to make or   
enter into an assumption and modification agreement from or with the Person to  
whom such property has been or is about to be conveyed, pursuant to which such  
Person becomes liable under the Mortgage Note and the Mortgagor remains liable  
thereon. In connection with any such assumption and modification agreement, the 
Company shall apply its then current underwriting standards to such Person. The 
Company shall not make or enter into any such assumption and modification       
agreement, however, unless (to the extent practicable in the circumstances) it  
shall have received confirmation of the continued effectiveness of any          
applicable Primary Insurance Policy and hazard insurance policy. The Company    
shall notify the Trustee that any assumption and modification agreement has been
completed by forwarding to the Trustee the original copy thereof, which copy    
shall be added by the Trustee to the related Mortgage File and shall, for all   
purposes, be considered a part of such Mortgage File to the same extent as all  
other documents and instruments constituting a part thereof. In connection with 
any such agreement, the Mortgage Rate, mortgage term and any other material term
of such Mortgage Loan shall not be changed. Any fee collected by the Company for
entering into any such agreement will be retained by the Company as additional  
servicing compensation.                                                         

(b) Notwithstanding Section 3.07(a) or any other provision of this    
Agreement, the Company shall not be deemed to be in default, breach or any other
violation of its obligations hereunder by reason of any assumption of a Mortgage
Loan, or transfer of the property subject to a Mortgage without the assumption  
thereof, by operation of law or any assumption or transfer which the Company    
reasonably believes it may be restricted by law from preventing, for any reason 
whatsoever.                                                                     

  Section 3.08. Realization Upon Defaulted Mortgage Loans. (a) The Company
shall foreclose upon or otherwise comparably convert the ownership of properties
securing such of the Mortgage Loans as come into and continue in default and as 
to which no satisfactory arrangements can be made for collection of delinquent  
payments pursuant to Section 3.02. In connection with such foreclosure or other 
conversion the Company shall, consistent with Section 3.05, follow such         
practices and procedures as it shall deem necessary or advisable and as shall be
normal and usual in its general mortgage servicing activities. The foregoing is 
subject to the proviso that the Company shall not be required to expend its own 
funds in connection with any foreclosure or towards the restoration of any      
property unless it shall determine (i) that such restoration or foreclosure will
increase the proceeds of liquidation of the Mortgage Loan to Certificateholders 
after reimbursement to itself for such expenses and (ii) that such expenses will
be recoverable to it either through Liquidation Proceeds or Insurance Proceeds. 
Notwithstanding the foregoing, the Company shall not be entitled to recover     
legal expenses incurred in connection with foreclosure proceedings where the    
Mortgage Loan is reinstated and such foreclosure proceedings are terminated     
prior to completion, other than sums received from the Mortgagor for such       
expenses.                                                                       

Notwithstanding anything to the contrary contained herein, the Company
shall be under no obligation to foreclose upon or otherwise convert the         
ownership of any Mortgaged Property which it believes may be contaminated with  
or affected by hazardous or toxic wastes, materials or substances. The Company  
may, but shall not be obligated to, make such determination on the basis of a   
Phase I environmental assessment with respect to the related Mortgaged Property.
Neither the Trustee nor the Company shall be liable to the Trust Fund or the    
Certificateholders if, based on the Company's belief that such contamination or 
effect exists, the Company does not foreclose upon or otherwise convert the     
ownership of a Mortgaged Property. In addition, neither the Trustee nor the     
Company shall be liable to the Trust Fund or the Certificateholders if, based on
the Company's belief that no such contamination or effect exists, the Company   
forecloses upon a Mortgaged Property and the Trustee or its nominee on behalf of
the Trust Fund takes title to such Mortgaged Property, and thereafter such      
Mortgaged Property is determined to be so contaminated or affected.             

(b) In the event that title to any Mortgaged Property is acquired in  
foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale  
shall be issued to the Trustee, or to its nominee on behalf of the Trust Fund.  
Notwithstanding any such acquisition of title and cancellation of the related   
Mortgage Loan, such Mortgage Loan shall (except for purposes of Section 9.01) be
considered to be an Outstanding Mortgage Loan until such time as the Mortgaged  
Property shall be sold and such Mortgage Loan becomes a Liquidated Mortgage     
Loan. Consistent with the foregoing, for purposes of all calculations hereunder 
so long as such Mortgage Loan shall be considered to be an Outstanding Mortgage 
Loan, it shall be assumed that the related Mortgage Note and its amortization   
schedule in effect on and after such acquisition of title (after giving effect  
to any previous Principal Prepayments and Deficient Valuations incurred         
subsequent to the related Bankruptcy Coverage Termination Date and before any   
adjustment thereto by reason of any bankruptcy (other than as aforesaid) or any 
similar proceeding or any moratorium or similar waiver or grace period) remain  
in effect (notwithstanding that the indebtedness evidenced by such Mortgage Note
shall have been discharged), subject to adjustment to reflect the application of
REO Proceeds received in any month. REO Proceeds received in any month shall be 
applied to the payment of the installments of principal due and interest accrued
on the related REO Mortgage Loan in accordance with the terms of such Mortgage  
Note. REO Proceeds received in any month in excess of the Amortization Payment  
for such month due on an REO Mortgage Loan shall be treated as a Principal      
Prepayment received in respect of such Mortgage Loan.                           

 (c) In the event that the Trust Fund acquires any Mortgaged Property as
aforesaid or otherwise in connection with a default or imminent default on a    
Mortgage Loan, the Company shall dispose of such Mortgaged Property prior to the
close of the third calendar year after the year of its acquisition by the Trust 
Fund unless (a) the Trustee shall have been supplied with an Opinion of Counsel 
to the effect that the holding by the Trust Fund of such Mortgaged Property     
subsequent to such period (and specifying the period beyond such period for     
which the Mortgaged Property may be held) will not result in the imposition of  
taxes on "prohibited transactions" of the Trust Fund as defined in section 860F 
of the Code, or cause the REMIC established hereunder to fail to qualify as a   
REMIC at any time that any Certificates are outstanding, in which case the Trust
Fund may continue to hold such Mortgaged Property (subject to any conditions    
contained in such Opinion of Counsel), or (b) the Trustee (at the Company's     
expense) or the Company shall have applied for, not later than 61 days prior to 
the expiration of such period, an extension of such period in the manner        
contemplated by section 856(e)(3) of the Code, in which case such period shall  
be extended by the time period permitted by section 856(e)(3) of the Code.      
Notwithstanding any other provision of this Agreement, no Mortgaged Property    
acquired by the Trust Fund shall be rented (or allowed to continue to be rented)
or otherwise used for the production of income by or on behalf of the Trust Fund
or sold in such a manner or pursuant to any terms that would (i) cause such     
Mortgaged Property to fail to qualify at any time as "foreclosure property"     
within the meaning of section 860G(a)(8) of the Code, (ii) subject the Trust    
Fund to the imposition of any federal or state income taxes on "net income from 
foreclosure property" with respect to such Mortgaged Property within the meaning
of section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged       
Property to result in the receipt by the Trust Fund of any income from          
non-permitted assets as described in section 860F(a)(2)(B) of the Code, unless  
the Company has agreed to indemnify and hold harmless the Trust Fund with       
respect to the imposition of any such taxes.                                    

  (d) Any collection of Insurance Proceeds or Liquidation Proceeds will be
applied in the following order of priority: first, to reimburse the Company for 
any related unreimbursed Liquidation Expenses and to reimburse the Company or   
the Trustee, as applicable, for any related unreimbursed Monthly Advances;      
second, to accrued and unpaid interest on the Mortgage Loan at the Mortgage Rate
from the date to which interest was last paid or advanced to the Due Date prior 
to the Distribution Date on which such amounts are to be distributed; and third,
as a recovery of principal of the Mortgage Loan. If the amount so allocated to  
interest is less than the full amount of accrued and unpaid interest due on such
Mortgage Loan, the amount of such recovery will be allocated between the        
Servicing Fee and interest at the Net Mortgage Rate in proportion to the amount 
of such accrued interest which would have been allocated to each such category  
in the absence of any shortfall.                                                

    (e) Notwithstanding anything to the contrary contained herein, the Company
shall have the right to enter into an agreement substantially in the form of    
Exhibit K hereto with any Person that is the Holder of 100% of the Class B5     
Certificates (provided that such form may be revised to delete the option on the
part of such Person to purchase a defaulted Mortgage Loan as set forth in       
Section 2.02(f) thereof). Prior to entering into any such agreement with any    
Person, the Company shall obtain a certification from such Person to the effect 
that (i) such Person is not an "affiliate" (within the meaning of the Prohibited
Transaction Exemption) of the Trustee and (ii) such Person will not purchase any
Certificates if such purchase would cause such Person to hold more than a ten   
percent interest in the Mortgage Pool. It is understood that the right of the   
Company to be reimbursed for Monthly Advances and Nonrecoverable Advances under 
this Agreement shall not be affected in any way by the provisions of any such   
agreement. The Trustee hereby agrees to perform such obligations as may be      
expressly required of it pursuant to the provisions of such agreement and to    
promptly notify each party to such agreement if a Responsible Officer of the    
Trustee (with direct responsibility for administration of this Agreement)       
becomes aware of any discussions, plans or events that might lead to the        
Trustee's becoming an "affiliate" (within the meaning of the Prohibited         
Transaction Exemption) of any Person with which the Company has entered into    
such agreement, provided that the contents of any such notification shall be    
kept confidential by the parties to such agreement. The Company agrees to       
promptly notify the Trustee upon entering into any such agreement. In addition, 
the Company shall provide the Trustee with such information as may be necessary 
for the Trustee to perform its obligations thereunder, including written        
instructions, clearly identifying the source, amount and application of funds to
be deposited or withdrawn from the Collateral Fund (as defined in such          
agreement). The Trustee shall provide the Company with such information         
concerning credits and debits to the Collateral Fund on account of income, gains
and losses realized from Collateral Fund Permitted Investments (as defined in   
such agreement), and costs associated with the purchase and sale thereof, as the
Company may request in order to prepare the instructions described in the       
preceding sentence.                                                             

In addition, subject to the provisions of the preceding paragraph, the
Company shall have the right to enter into an agreement substantially in the    
form of Exhibit K hereto with the Person that is the Holder of 100% of the Class
B4 Certificates, provided that (i) such Person is also the Holder of 100% of the
Class B5 Certificates, (ii) such Person shall have no rights under such         
agreement until the date on which the Class Certificate Principal Balance of the
Class B5 Certificates has been reduced to zero, and (iii) any rights of such    
Person under such agreement shall terminate in the event that such Person       
transfers, directly or indirectly, the Class B4 Certificates to any other       
Person.                                                                         

 Section 3.09. Trustee to Cooperate; Release of Mortgage Files. Upon the
payment in full of any Mortgage Loan, the Company will immediately notify the   
Trustee by a certification (which certification shall include a statement to the
effect that all amounts received in connection with such payment which are      
required to be credited to the Mortgage Loan Payment Record pursuant to Section 
3.02 have been so credited) of a Servicing Officer and shall request delivery to
it of the Mortgage File. If a Buydown Mortgage Loan is the subject of a         
Principal Prepayment in full during the related Buydown Period, the related     
Buydown Funds will be applied or returned to the Person entitled thereto in     
accordance with the terms of such Buydown Mortgage Loan. Upon receipt of such   
certification and request in form satisfactory to the Trustee, the Trustee shall
promptly, but in any event within five Business Days, release the related       
Mortgage File to the Company; provided, that the Trustee shall not be           
responsible for any delay in the release of a Mortgage File resulting from acts 
beyond its control, including without limitation, acts of God, strikes,         
lockouts, riots, acts of war or terrorism, epidemics, nationalization,          
governmental regulations imposed after the fact, fire, communication line       
failures, computer viruses, power failures, earthquakes or other disasters. Upon
any such payment in full, the Company is authorized to execute, pursuant to the 
authorization contained in Section 3.01, an instrument of satisfaction regarding
such Mortgage, which instrument of satisfaction shall be recorded by the Company
if required by applicable law and be delivered to the Person entitled thereto,  
it being understood and agreed that no expenses incurred in connection with such
instrument of satisfaction shall be reimbursed from amounts at the time credited
to the Mortgage Loan Payment Record. From time to time and as appropriate for   
the servicing or foreclosure of any Mortgage Loan (including, without           
limitation, collection under any Primary Insurance Policy), the Trustee shall,  
upon request of the Company and delivery to the Trustee of a receipt signed by a
Servicing Officer, release the related Mortgage File to the Company and shall   
execute such documents as shall be necessary to the prosecution of any such     
proceedings. Such receipt shall obligate the Company to return the Mortgage File
to the Trustee when the need therefor by the Company no longer exists unless the
Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate 
of a Servicing Officer similar to that hereinabove specified, the receipt shall 
be released by the Trustee to the Company.                                      

  Section 3.10. Servicing Compensation; Payment of Certain Expenses by the
Company. (a) As compensation for its activities and obligations hereunder, the  
Company shall be entitled to withhold and pay to itself out of each payment     
received by it on account of interest on each Mortgage Loan (including the      
portion of any Buydown Funds applied to the related Buydown Mortgage Loan for   
the applicable period) an amount equal to the Servicing Fee. The aggregate of   
the Servicing Fees payable to the Company on any Distribution Date shall be     
reduced by the amount of any Compensating Interest Payment for such Distribution
Date. Additional servicing compensation in the form of Prepayment Interest      
Excess, assumption fees, modification fees, late payment charges, interest      
income or gain with respect to amounts deposited in the Certificate Account and 
invested by the Company or otherwise shall be retained by the Company, subject  
to Section 3.10(b), if applicable. The Company shall be required to pay all     
expenses incurred by it in connection with its activities hereunder (including  
payment of Trustee fees and all other fees and expenses not expressly stated    
hereunder to be for the account of the Certificateholders) and shall not be     
entitled to reimbursement therefor except as provided in Sections 3.01, 3.03,   
3.04 and 3.08.                                                                  

    (b) The Company may, as a condition to granting any request by a Mortgagor
for any consent, modification, waiver or amendment or any other matter or thing,
the granting of which is in the Company's discretion pursuant to the terms of   
the instruments evidencing or securing the related Mortgage Loan and is         
permitted by other sections of this Agreement, require (to the extent permitted 
by applicable law) that such Mortgagor pay to it a reasonable or customary fee  
in accordance with the schedule set forth as Exhibit H (which may be amended    
from time to time by provision of a revised schedule of such fees to the        
Trustee, whereupon such revised schedule shall be deemed to be Exhibit H        
hereunder) for the additional services performed in connection with such        
request, together with any related costs and expenses incurred by it. Such fees 
shall be additional servicing compensation to the Company.                      

 Section 3.11. Reports to the Trustee. Not later than 15 days after each
Distribution Date, the Company shall forward to the Trustee a statement,        
certified by a Servicing Officer, setting forth the status of the Mortgage Loan 
Payment Record as of the close of business on such Distribution Date and        
showing, for the period covered by such statement, the aggregate of credits to  
the Mortgage Loan Payment Record for each category of credit specified in       
Section 3.02 and each category of debit specified in Section 3.04.              

   Section 3.12. Annual Statement as to Compliance. The Company will deliver
to the Trustee, on or before March 31 of each year, beginning with March 31,    
2000, an Officer's Certificate stating that (a) a review of the activities of   
the Company during the preceding calendar year and of its performance under this
Agreement has been made under such Officer's supervision and (b) to the best of 
such Officer's knowledge, based on such review, the Company has fulfilled all   
its material obligations under this Agreement throughout such year, or, if there
has been a default in the fulfillment of any such obligation, specifying each   
such default known to such Officer and the nature and status thereof.           

   Section 3.13. Annual Independent Public Accountants' Servicing Report. On
or before March 31 of each year, beginning with March 31, 2000, the Company     
shall:                                                                          

 (a) furnish to a firm of independent public accountants (which may also
render other services to the Company) a statement substantially to the effect   
that the Company has complied in all material respects with the minimum         
servicing standards set forth in the Uniform Single Attestation Program for     
Mortgage Bankers (the "Minimum Servicing Standards") with respect to the        
mortgage loans in the Company's servicing portfolio (which may exclude home     
equity loans) or, if there has been material noncompliance with such servicing  
standards, containing a description of such noncompliance; and                  

 (b) at its expense cause such firm of independent public accountants to
furnish a report to the Trustee stating its opinion as to the Company's         
assertion contained in the statement delivered pursuant to Section 3.13(a),     
which opinion shall be based on an examination conducted by such firm in        
accordance with the standards established by the American Institute of Certified
Public Accountants, including examining, on a test basis, evidence about the    
Company's compliance with the Minimum Servicing Standards. Such opinion shall be
to the effect that the Company has complied in all material respects with the   
Minimum Servicing Standards with respect to the mortgage loan portfolio         
described in the Company's statement delivered pursuant to Section 3.13(a)      
hereof or if there has been material noncompliance with the Minimum Servicing   
Standards, shall contain a description of such noncompliance in accordance with 
applicable accounting standards. In rendering such report, such firm may rely,  
as to matters relating to direct servicing of Mortgage Loans by any primary     
servicer, upon comparable reports of independent public accountants with respect
to such primary servicer.                                                       

     Section 3.14. Access to Certain Documentation and Information Regarding the
Mortgage Loans. To the extent permitted by applicable law, the Company shall    
provide to the Trustee, Certificateholders which are regulated insurance        
entities and the applicable insurance regulatory agencies thereof,              
Certificateholders which are federally insured savings and loan associations,   
the Office of Thrift Supervision, the FDIC and the supervisory agents and       
examiners thereof access to the documentation regarding the Mortgage Loans      
required by applicable regulations of the Office of Thrift Supervision or of    
such insurance regulatory agencies, as the case may be, such access being       
afforded without charge but only upon reasonable request and during normal      
business hours at the offices of the Company. Nothing in this Section 3.14 shall
derogate from the obligation of the Company to observe any applicable law       
prohibiting disclosure of information regarding the Mortgagors and the failure  
of the Company to provide access as provided in this Section 3.14 as a result of
such obligation shall not constitute a breach of this Section 3.14.             

    Section 3.15. Maintenance of Certain Servicing Policies. The Company shall
during the term of its service as servicer maintain in force (i) a policy or    
policies of insurance covering errors and omissions in the performance of its   
obligations as servicer hereunder and (ii) a fidelity bond in respect of its    
officers, employees or agents. Each such policy or policies and bond shall,     
together, comply with the requirements from time to time of FNMA for persons    
performing servicing for mortgage loans purchased by such association.          

  Section 3.16. Optional Purchase of Defaulted Mortgage Loans. The Company
shall have the right, but not the obligation, to purchase any Defaulted Mortgage
Loan for a price equal to the Purchase Price therefor. Any such purchase shall  
be accomplished as provided in Section 4.04(a) hereof.                          

Section 3.17. Class A2 Interest Account and Class A4 Interest Account.
State Street Bank and Trust Company, not in its capacity as Trustee hereunder,  
is hereby appointed, and as evidenced by its execution of this Agreement, does  
hereby accept such appointment, to serve as custodian (the "Custodian") of the  
assets included in the Class A2 Interest Account and the Class A4 Interest      
Account created by this Section 3.17. On or prior to the Closing Date, the      
Custodian shall establish a segregated, non-interest bearing, corporate trust   
account in its corporate trust department, in respect of the Class A2           
Certificates (such account, the "Class A2 Interest Account") and in respect of  
the Class A4 Certificates (such account, the "Class A4 Interest Account"). Each 
of the Class A2 Interest Account and the Class A4 Interest Account shall have   
the characteristics set forth in this Section 3.17 and shall be held by the     
Custodian solely for the benefit of the Holders of the Class A2 and Class A4    
Certificates, respectively, and the Holders of the Class R Certificates (to the 
extent of their rights therein). Amounts on deposit in the Class A2 Interest    
Account and the Class A4 Interest Account shall be applied by the Custodian     
solely as provided in Sections 4.01(g)(i) and (ii). The Class A2 Interest       
Account and the Class A4 Interest Account shall not be assets of the Trust Fund,
but shall be assets in the REMIC. In acting as Custodian with respect to the    
Class A2 Interest Account and the Class A4 Interest Account, the Custodian shall
have all rights and immunities of the Trustee under this Agreement and shall    
have only such express duties as set forth in this Section 3.17.                

     On or prior to the Closing Date, the Company, acting as agent for the Class
A2 Certificateholders, shall transfer (or cause to be transferred) the Class A2 
Interest Account Deposit to the Custodian for deposit into the Class A2 Interest
Account. On or prior to the Closing Date, the Company, acting as agent for the  
Class A4 Certificateholders, shall transfer (or cause to be transferred) the    
Class A4 Interest Account Deposit to the Custodian for deposit into the Class A4
Interest Account. The Custodian acknowledges receipt of the Class A2 Interest   
Account Deposit and the Class A4 Interest Account Deposit. The Custodian shall  
not invest amounts in the Class A2 Interest Account and the Class A4 Interest   
Account. Neither the Company, the Custodian, the Trustee nor any other party    
shall be under any obligation to make any further deposits into the Class A2    
Interest Account and the Class A4 Interest Account.                             

The transfer by (or on behalf of) the Company of the Class A2 Interest
Account Deposit and the Class A4 Interest Account Deposit is an outright and    
unconditional assignment to the Custodian for the benefit of the Holders of the 
Class A2 and Class A4 Certificates, respectively, and is not in the nature of a 
pledge or similar arrangement. The Class A2 and Class A4 Interest Accounts shall
not be assets of the Company and the Company shall have no legal or beneficial  
right thereto or interest therein, except any that may arise by virtue of the   
Company's becoming a Holder of a Class A2 or Class A4 Certificate, as           
applicable, or a Class R Certificate.                                           

The Class A2 Certificateholders, by their acceptance of a Class A2    
Certificate, appoint the Company as their agent for the purpose of transferring 
(or causing the transfer of) the Class A2 Interest Account Deposit to the       
Trustee. The Class A4 Certificateholders, by their acceptance of a Class A4     
Certificate, appoint the Company as their agent for the purpose of transferring 
(or causing the transfer of) the Class A4 Interest Account Deposit to the       
Trustee.                                                                        

ARTICLE IV

 PAYMENTS AND STATEMENTS

 Section 4.01. Distributions. (a) On each Distribution Date, the Trustee
shall withdraw the Available Funds from the Certificate Account and shall make  
distributions to Holders of the Certificates as of the preceding Record Date in 
the following order of priority, to the extent of the remaining Available Funds:

     (i) to each Class of Senior Certificates (other than any Class of
Principal Only Certificates) and the Class S Certificates, the Accrued
     Certificate Interest thereon for such Distribution Date; provided, however,
that any shortfall in available amounts shall be allocated among such 
  Classes in proportion to the amount of Accrued Certificate Interest that
would otherwise be distributable thereto;                             

      (ii) to each Class of Senior Certificates (other than any Class of
Principal Only Certificates) and the Class S Certificates, any related
Unpaid Class Interest Shortfall for such Distribution Date; provided, 
   however, that any shortfall in available amounts shall be allocated among
    such Classes in proportion to the Unpaid Class Interest Shortfall for each
such Class on such Distribution Date;                                 

         (iii) to the Classes of Senior Certificates in reduction of the Class
   Certificate Principal Balances thereof, as set forth in Exhibit O hereto,
  without regard to the use of the word "approximately" therein; provided,
however, that defined terms used in Exhibit O shall have the meanings 
assigned thereto in Article I hereof;                                 

       (iv) to the Class PO Certificates, any Class PO Deferred Amount for
  such Distribution Date, up to an amount not to exceed the Junior Optimal
  Principal Amount for such Distribution Date, until the Class Certificate
  Principal Balance of such Class has been reduced to zero; provided, that
    any such amounts distributed to the Class PO Certificates pursuant to this
clause (iv) shall not reduce the Class Certificate Principal Balance  
thereof;                                                              

     (v) to the Class M Certificates, the Accrued Certificate Interest
thereon for such Distribution Date;                                   

         (vi) to the Class M Certificates, any Unpaid Class Interest Shortfall
therefor on such Distribution Date;                                   

(vii) to the Class M Certificates, in reduction of the Class
    Certificate Principal Balance thereof, such Class's Allocable Share of the
Junior Optimal Principal Amount on such Distribution Date;            

         (viii) to the Class B1 Certificates, the Accrued Certificate Interest
thereon for such Distribution Date;                                   

          (ix) to the Class B1 Certificates, any Unpaid Class Interest Shortfall
therefor on such Distribution Date;                                   

(x) to the Class B1 Certificates, in reduction of the Class 
    Certificate Principal Balance thereof, such Class's Allocable Share of the
Junior Optimal Principal Amount on such Distribution Date;            

       (xi) to the Class B2 Certificates, the Accrued Certificate Interest
thereon for such Distribution Date;                                   

 (xii) to the Class B2 Certificates, any Unpaid Class Interest
Shortfall therefor on such Distribution Date;                         

  (xiii) to the Class B2 Certificates, in reduction of the Class
    Certificate Principal Balance thereof, such Class's Allocable Share of the
Junior Optimal Principal Amount on such Distribution Date;            

        (xiv) to the Class B3 Certificates, the Accrued Certificate Interest
thereon for such Distribution Date;                                   

          (xv) to the Class B3 Certificates, any Unpaid Class Interest Shortfall
therefor on such Distribution Date;                                   

 (xvi) to the Class B3 Certificates, in reduction of the Class
    Certificate Principal Balance thereof, such Class's Allocable Share of the
Junior Optimal Principal Amount on such Distribution Date;            

         (xvii) to the Class B4 Certificates, the Accrued Certificate Interest
thereon for such Distribution Date;                                   

   (xviii) to the Class B4 Certificates, any Unpaid Class Interest
Shortfall therefor on such Distribution Date;                         

 (xix) to the Class B4 Certificates, in reduction of the Class
    Certificate Principal Balance thereof, such Class's Allocable Share of the
Junior Optimal Principal Amount on such Distribution Date;            

       (xx) to the Class B5 Certificates, the Accrued Certificate Interest
thereon for such Distribution Date;                                   

 (xxi) to the Class B5 Certificates, any Unpaid Class Interest
Shortfall therefor on such Distribution Date; and                     

  (xxii) to the Class B5 Certificates, in reduction of the Class
    Certificate Principal Balance thereof, such Class's Allocable Share of the
Junior Optimal Principal Amount on such Distribution Date.            

Notwithstanding the foregoing, amounts otherwise distributable pursuant to      
clauses (vii), (x), (xiii), (xvi), (xix) and (xxii) on any Distribution Date    
shall be reduced, in inverse order of priority, by any amount distributed       
pursuant to clause (iv) on such date, such that such amount distributed pursuant
to clause (iv) on such date shall be applied first to reduce the amount         
distributable pursuant to clause (xxii), and then, to the extent of any excess, 
applied second, to reduce the amount distributable pursuant to clause (xix),    
third, to reduce the amount distributable pursuant to clause (xvi), fourth, to  
reduce the amount distributable pursuant to clause (xiii), fifth, to reduce the 
amount distributable pursuant to clause (x) and sixth, to reduce the amount     
distributable pursuant to clause (vii).                                         

   (b) On each Distribution Date, the Trustee shall distribute to the holder
of the Class R Certificate any remaining Available Funds for such Distribution  
Date after application of all amounts described in clause (a) of this Section   
4.01, together with any Unanticipated Recoveries received by the Company in the 
calendar month preceding the month of such Distribution Date and not distributed
on such Distribution Date to the holders of outstanding Certificates of any     
other Class pursuant to Section 4.01(f), plus any amounts distributable to the  
holder of the Class R Certificate pursuant to Sections 4.01(e) and (g). Any     
distributions pursuant to this clause (b) shall not reduce the Class Certificate
Principal Balance of the Class R Certificate.                                   

     (c) If on any Distribution Date the Class Certificate Principal Balances of
the Junior Certificates have each been reduced to zero, the amount distributable
to the Senior Certificates other than the Class PO Certificates pursuant to     
Section 4.01(a)(iii) for such Distribution Date and each succeeding Distribution
Date shall be allocated among such Classes of Senior Certificates, pro rata, on 
the basis of their respective Class Certificate Principal Balances immediately  
prior to such Distribution Date, regardless of the priorities and amounts set   
forth in Section 4.01(a)(iii).                                                  

     (d) If on any Distribution Date (i) the Class Certificate Principal Balance
of the Class M Certificates or any Class of Class B Certificates for which the  
related Prepayment Distribution Trigger was satisfied on such Distribution Date 
is reduced to zero and (ii) amounts distributable pursuant to clauses (ii), (iv)
and (v) of the Junior Optimal Principal Amount remain undistributed on such     
Distribution Date after all amounts otherwise distributable on such date        
pursuant to clauses (iv) through (xxii) of Section 4.01(a) have been            
distributed, such amounts shall be distributed on such Distribution Date to the 
remaining Classes of Junior Certificates in order of priority, such that no such
distribution shall be made to any Class of Junior Certificates while a prior    
such Class is outstanding.                                                      

(e) (i) On each Distribution Date prior to the Cross-Over Date,       
distributions in reduction of the Class Certificate Principal Balances of any   
Designated Retail Certificates will be made in accordance with the provisions of
Section 4.10.                                                                   

With respect to any Class of Designated Retail Certificates, upon the 
earlier of the Cross-Over Date and the next Distribution Date after the         
Distribution Date on which the Class Certificate Principal Balance of such Class
of Designated Retail Certificates has been reduced to zero, (x) to the extent   
the balance of funds remaining in the related Rounding Account is less than     
$999.99, the balance in such Rounding Account shall be restored to $999.99 (or, 
if less, the sum of such remaining balance and the amount so distributable) from
Available Funds otherwise available for distribution on all outstanding Classes 
of Certificates and (y) such Rounding Account shall be cleared and terminated,  
and the amounts therein shall be distributed to the Class R Certificates on such
date (which distribution shall not reduce the Class Certificate Principal       
Balance thereof).                                                               

       (ii) As provided in Section 4.10(f), notwithstanding any provisions
herein to the contrary, on the Cross-Over Date and on each subsequent 
Distribution Date, distributions in reduction of the Class Certificate
    Principal Balances of any Class of Designated Retail Certificates shall be
made on a pro rata basis among the outstanding Certificates of the    
respective Class, based on the Percentage Interest in each such Class 
  represented by each Certificate. The Trustee shall notify the Depository
   prior to the first Distribution Date on which distributions in respect of
    principal on any Class of Designated Retail Certificates are to be made on
a pro rata basis in accordance with the preceding sentence. On the    
     Cross-Over Date and on each subsequent Distribution Date, the Trustee shall
not, and the Depository is not authorized to, make distributions or   
payments in respect of any Class of Designated Retail Certificates in 
accordance with any Principal Distribution Request or by Random Lot.  

    (f) In the event that in any calendar month the Company recovers an amount
(an "Unanticipated Recovery") in respect of principal of a Mortgage Loan which  
had previously been allocated as a Realized Loss to any Class of Certificates   
pursuant to Section 4.03, on the Distribution Date in the next succeeding       
calendar month the Trustee shall withdraw from the Certificate Account and      
distribute to the holders of each outstanding Class to which such Realized Loss 
had previously been allocated its share (determined as described in the         
succeeding paragraph) of such Unanticipated Recovery in an amount not to exceed 
the amount of such Realized Loss previously allocated to such Class. When the   
Class Certificate Principal Balance of a Class of Certificates has been reduced 
to zero, the holders of such Class shall not be entitled to any share of an     
Unanticipated Recovery, and such Unanticipated Recovery shall be allocated among
all outstanding Classes of Certificates entitled thereto in accordance with the 
preceding sentence, subject to the remainder of this subsection (f). In the     
event that (i) any Unanticipated Recovery remains undistributed in accordance   
with the preceding sentence or (ii) the amount of an Unanticipated Recovery     
exceeds the amount of the Realized Loss previously allocated to any outstanding 
Classes with respect to the related Mortgage Loan, on the applicable            
Distribution Date the Trustee shall distribute to the holders of all outstanding
Classes of the related Certificates to which Realized Losses had previously been
allocated and not reimbursed their pro rata share (determined as described      
below) of such excess in an amount not to exceed the aggregate amount of any    
Realized Loss previously allocated to such Class with respect to any other      
Mortgage Loan that has not been recovered in accordance with this subsection    
(f). Any distributions made pursuant to this subsection (f) shall not reduce the
Class Certificate Principal Balance of the related Certificate.                 

For purposes of the preceding paragraph, the share of an Unanticipated
Recovery allocable to any Class of Certificates with respect to a Mortgage Loan 
shall be (i) with respect to the Class PO Certificates, based on the applicable 
PO Percentage of the principal portion of the Realized Loss previously allocated
thereto with respect to such Mortgage Loan (or all Mortgage Loans for purposes  
of the next to last sentence of the preceding paragraph), and (ii) with respect 
to any other Class of Certificates, based on its pro rata share (in proportion  
to the Class Certificate Principal Balances thereof with respect to such        
Distribution Date) of the applicable Non-PO Percentage of the principal portion 
of any such Realized Loss previously allocated with respect to such Mortgage    
Loan (or Loans); provided, however, that (i) the share of an Unanticipated      
Recovery allocable to a Class PO Certificate with respect to any Mortgage Loan  
(or Loans) shall be reduced by the aggregate amount previously distributed to   
such Class on account of the applicable Class PO Deferred Amount in respect of  
such Mortgage Loan (or Loans) and (ii) the amount by which the distributions to 
the Class PO Certificates have been so reduced shall be distributed to the      
Classes of Certificates described in clause (ii) of the preceding paragraph in  
the same proportion as described in such clause (ii). For purposes of the       
preceding sentence, any Class PO Deferred Amount distributed to a Class PO      
Certificate on previous Distribution Dates shall be deemed to have been         
allocated in respect of the Mortgage Loans as to which the applicable PO        
Percentage of the principal portion of Realized Losses has previously been      
allocated to such Class on a pro rata basis (based on the amount of Realized    
Losses so allocated).                                                           

     (g) (i) On the Distribution Date in July 1999, the Custodian shall withdraw
and transfer to the Trustee, from amounts on deposit in the Class A2 Interest   
Account, an amount equal to the Class A2 Interest Account Deposit, and the      
Trustee shall distribute such amounts to the Holders of the Class A2            
Certificates, as part of and in addition to the distribution of interest thereon
pursuant to Section 4.01(a)(i) above. The Custodian shall withdraw any amounts  
remaining in the Class A2 Interest Account after such distribution and transfer 
such amounts to the Trustee for distribution to the Holders of the Class R      
Certificates.                                                                   

   (ii) On the Distribution Date in July 1999, the Custodian shall
    withdraw and transfer to the Trustee, from amounts on deposit in the Class
A4 Interest Account, an amount equal to the Class A4 Interest Account 
  Deposit, and the Trustee shall distribute such amounts to the Holders of
   the Class A4 Certificates, as part of and in addition to the distribution
 of interest thereon pursuant to Section 4.01(a)(i) above. The Custodian
     shall withdraw any amounts remaining in the Class A4 Interest Account after
     such distribution and transfer such amounts to the Trustee for distribution
to the Holders of the Class R Certificates.                           

  Section 4.02. Method of Distribution. (a) Except as set forth in Section
4.10 in respect of any Designated Retail Certificates, all distributions with   
respect to each Class of Certificates on each Distribution Date shall be made   
pro rata among the outstanding Certificates of such Class, based on the         
Percentage Interest in such Class represented by each Certificate. Payments to  
the Certificateholders on each Distribution Date will be made by the Trustee to 
the Certificateholders of record on the related Record Date (other than as      
provided in Section 9.01 respecting the final distribution) by check or money   
order mailed to a Certificateholder at the address appearing in the Certificate 
Register, or upon written request by such Certificateholder to the Trustee made 
not later than the applicable Record Date, by wire transfer to a U.S. depository
institution acceptable to the Trustee, or by such other means of payment as such
Certificateholder and the Trustee shall agree.                                  

 (b) Each distribution with respect to a Book-Entry Certificate shall be
paid to the Depository, which shall credit the amount of such distribution to   
the accounts of its Depository Participants in accordance with its normal       
procedures. Each Depository Participant shall be responsible for disbursing such
distribution to the Certificate Owners that it represents and to each Financial 
Intermediary for which it acts as agent. Each Financial Intermediary shall be   
responsible for disbursing funds to the Certificate Owners that it represents.  
The Depository shall be responsible for the allocation of the aggregate amount  
of distributions in reduction of the Class Certificate Principal Balances of any
Class of Designated Retail Certificates among the Depository Participants in    
accordance with Section 4.10, and each Depository Participant (and each         
respective Financial Intermediary for which such Depository Participant acts as 
agent) shall be responsible for the allocation of the amount allocated thereto  
among the related Certificate Owners. All such credits and disbursements with   
respect to a Book-Entry Certificate are to be made by the Depository and the    
Depository Participants in accordance with the provisions of the applicable     
Certificates. Neither the Trustee nor the Company shall have any responsibility 
therefor except as otherwise provided by applicable law.                        

   (c) The Trustee shall withhold or cause to be withheld such amounts as it
reasonably determines are required by the Code (giving full effect to any       
exemptions from withholding and related certifications required to be furnished 
by Certificateholders or Certificate Owners and any reductions to withholding by
virtue of any bilateral tax treaties and any applicable certification required  
to be furnished by Certificateholders or Certificate Owners with respect        
thereto) from distributions to be made to Non-U.S. Persons. If the Trustee      
reasonably determines that a more accurate determination of the amount required 
to be withheld for a distribution can be made within a reasonable period after  
the scheduled date for such distribution, it may hold such distribution in trust
for a holder of a Residual Certificate until such determination can be made. For
the purposes of this paragraph, a "Non-U.S. Person" is (i) an individual other  
than a citizen or resident of the United States, (ii) a partnership, corporation
or entity treated as a partnership or corporation for U.S. federal income tax   
purposes not formed under the laws of the United States, any state thereof or   
the District of Columbia (unless, in the case of a partnership, Treasury        
regulations provide otherwise), (iii) any estate, the income of which is not    
subject to U.S. federal income taxation, regardless of source, and (iv) any     
trust, other than a trust that a court within the United States is able to      
exercise primary supervision over the administration of the trust and one or    
more U.S. Persons have the authority to control all substantial decisions of the
trust.                                                                          

   Section 4.03. Allocation of Losses. (a) On or prior to each Determination
Date, the Company shall determine the amount of any Realized Loss in respect of 
each Mortgage Loan that occurred during the immediately preceding calendar      
month.                                                                          

  (b) With respect to any Distribution Date, the principal portion of each
Realized Loss (other than any Excess Loss) shall be allocated as follows:       

         (i) the applicable PO Percentage of the principal portion of any such
 Realized Loss shall be allocated to the Class PO Certificates until the
   Class Certificate Principal Balance thereof has been reduced to zero; and

         (ii) the applicable Non-PO Percentage of the principal portion of any
   such Realized Loss shall be allocated in the following order of priority:

             first, to the Class B5 Certificates until the Class Certificate
Principal Balance thereof has been reduced to zero;         

              second, to the Class B4 Certificates until the Class Certificate
Principal Balance thereof has been reduced to zero;         

             third, to the Class B3 Certificates until the Class Certificate
Principal Balance thereof has been reduced to zero;         

              fourth, to the Class B2 Certificates until the Class Certificate
Principal Balance thereof has been reduced to zero;         

             fifth, to the Class B1 Certificates until the Class Certificate
Principal Balance thereof has been reduced to zero;         

            sixth, to the Class M Certificates until the Class Certificate
Principal Balance thereof has been reduced to zero; and     

           seventh, to the Classes of Senior Certificates other than the
   Class PO Certificates, pro rata, in accordance with their Class
          Certificate Principal Balances; provided, that any such loss allocated
          to any Class of Accrual Certificates (and any Accrual Component) shall
        be allocated (subject to Section 4.03(d)) on the basis of the lesser
          of (x) the Class Certificate Principal Balance (or Component Principal
          Balance) thereof immediately prior to the applicable Distribution Date
 and (y) the Class Certificate Principal Balance (or Component
     Principal Balance) thereof on the Closing Date (as reduced by any
Realized Losses previously allocated thereto).              

 (c) With respect to any Distribution Date, the principal portion of any
Excess Loss (other than Excess Bankruptcy Losses attributable to Debt Service   
Reductions) shall be allocated as follows: (1) the PO Percentage of any such    
loss shall be allocated to the Class PO Certificates, and (2) the Non-PO        
Percentage of any such loss shall be allocated to each Class of Certificates    
other than the Class PO Certificates, pro rata, based on the respective Class   
Certificate Principal Balances thereof; provided, that any such loss allocated  
to any Class of Accrual Certificates (and any Accrual Component) shall be       
allocated (subject to Section 4.03(d)) on the basis of the lesser of (x) the    
Class Certificate Principal Balance (or Component Principal Balance) thereof    
immediately prior to the applicable Distribution Date and (y) the Class         
Certificate Principal Balance (or Component Principal Balance) thereof on the   
Closing Date (as reduced by any Realized Losses previously allocated thereto).  

  (d) Any Realized Losses allocated to a Class of Certificates pursuant to
Section 4.03(b) or (c) shall be allocated among the Certificates of such Class  
in proportion to their respective Certificate Principal Balances. In addition,  
any Realized Losses allocated to any Class of Component Certificates on a       
Distribution Date shall be allocated in reduction of the Component Principal    
Balances of the related Components (other than any Notional Component) in       
proportion to their respective Component Principal Balances immediately prior to
such Distribution Date. Any allocation of Realized Losses pursuant to this      
paragraph (d) shall be accomplished by reducing the Certificate Principal       
Balance (or, in the case of any Component, the Component Principal Balance) of  
the related Certificates (or Components) on the related Distribution Date in    
accordance with Section 4.03(e).                                                

     (e) Realized Losses allocated in accordance with this Section 4.03 shall be
allocated on the Distribution Date in the month following the month in which    
such loss was incurred and, in the case of the principal portion thereof, after 
giving effect to distributions made on such Distribution Date, except that the  
aggregate amount of Realized Losses to be allocated to the Class PO Certificates
on such Distribution Date will be taken into account in determining             
distributions in respect of any Class PO Deferred Amount for such date.         

    (f) On each Distribution Date, the Company shall determine the Subordinate
Certificate Writedown Amount, if any. Any such Subordinate Certificate Writedown
Amount shall effect a corresponding reduction in the Certificate Principal      
Balance of the Subordinate Certificates, which reduction shall occur on such    
Distribution Date after giving effect to distributions made on such Distribution
Date.                                                                           

    (g) Notwithstanding the foregoing, no such allocation of any Realized Loss
shall be made on a Distribution Date to a Class of Certificates to the extent   
that such allocation would result in the reduction of the aggregate Certificate 
Principal Balances of all the Certificates as of such Distribution Date, after  
giving effect to all distributions and prior allocations of Realized Losses on  
such date, to an amount less than the aggregate Scheduled Principal Balance of  
the Mortgage Loans as of the first day of the month of such Distribution Date,  
less any Deficient Valuations occurring on or prior to the Bankruptcy Coverage  
Termination Date (such limitation, the "Loss Allocation Limitation").           

    Section 4.04. Monthly Advances; Purchases of Defaulted Mortgage Loans. (a)
The Company shall be required to make Monthly Advances in the manner and to the 
extent provided herein. Prior to the close of business on each Determination    
Date, the Company shall determine (i) the amount of the Monthly Advance which it
is required to make on the related Distribution Date and (ii) whether it has    
elected to purchase any Defaulted Mortgage Loan or Loans on such Distribution   
Date. If the Company so elects to purchase any Defaulted Mortgage Loans (or is  
required to purchase any Mortgage Loan pursuant to Section 2.02 or 2.03(a)), no 
Monthly Advance shall be required with respect thereto for the month in which   
such purchase occurs. The Company shall include information as to each of such  
determinations in the Servicer's Certificate furnished by it to the Trustee in  
accordance with Section 4.06 and shall be obligated to transfer to the          
Certificate Account pursuant to Section 3.02(d) on or before 11:00 a.m. New York
time on the Business Day next preceding the following Distribution Date in      
next-day funds the respective amounts applicable to such determinations         
appearing in such Servicer's Certificate. Upon receipt by the Trustee of written
notification signed by a Servicing Officer of any such deposit relating to the  
purchase by the Company of such a Mortgage Loan, the Trustee shall release to   
the Company the related Mortgage File and shall execute and deliver such        
instruments of transfer or assignment, in each case without recourse, as shall  
be necessary to vest in the Company any Mortgage Loan released pursuant hereto. 

 (b) In the event that the Company transfers or expects to transfer less
than the Available Funds required to be deposited by it pursuant to Section     
3.02(d), the Company shall so notify the Trustee no later than 9:00 a.m. on the 
Business Day preceding the related Distribution Date, and the amount so         
transferred, if any, shall be deemed to have been transferred first pursuant to 
clause (i) of the definition of Available Funds, second pursuant to clause (iii)
of the definition of Available Funds, and third pursuant to clause (ii) of the  
definition of Available Funds. Such notice shall specify each Mortgage Loan     
delinquent as of the preceding Determination Date. In such event, the Trustee   
shall make any Monthly Advance required to be made hereunder, in the manner and 
to the extent required; provided, the Trustee shall not be so obligated if      
prohibited by applicable law.                                                   

   (c) In the event that the Company is succeeded hereunder as servicer, the
obligation to make Monthly Advances in the manner and to the extent required by 
Section 4.04(a) shall be assumed by the successor servicer (subject to Section  
7.02).                                                                          

  Section 4.05. Statements to Certificateholders. Each month, at least two
Business Days prior to each Distribution Date, the Company shall deliver to the 
Trustee for mailing to each Certificateholder, and the Trustee shall mail to    
each Certificateholder on such Distribution Date, a statement (each, a          
"Distribution Date Statement") substantially in the form of Exhibit J hereto,   
setting forth:                                                                  

         (i) The amount of such distribution to the Certificateholders of each
Class (and in respect of any Component), other than any Notional      
Certificates (and any Notional Component), allocable to principal,    
  separately identifying the aggregate amount of any Principal Prepayments
included therein (including, for this purpose, the Scheduled Principal
Balances of all Defaulted Mortgage Loans and Defective Mortgage Loans 
    purchased pursuant to Section 2.02, 2.03(b) or 3.16, respectively, and any
amounts deposited pursuant to Section 2.03(b) in connection with the  
     substitution of any Mortgage Loans pursuant to Section 2.02 or 2.03(a), the
    proceeds of which purchases or substitutions are being distributed on such
Distribution Date);                                                   

          (ii) The amount of such distribution to the Certificateholders of each
  Class (other than any Class of Principal Only Certificates) allocable to
interest, including any Accrual Amount added to the Class Certificate 
  Principal Balance or Component Principal Balance of any Class of Accrual
Certificates or any Accrual Components;                               

         (iii) The amount of servicing compensation paid to the Company during
  the month preceding the month of distribution in respect of the Mortgage
   Loans and such other customary information as the Company deems necessary
 or desirable to enable Certificateholders to prepare their tax returns;

         (iv) The Pool Scheduled Principal Balance and the aggregate number of
 the Mortgage Loans on the preceding Due Date after giving effect to all
distributions allocable to principal made on such Distribution Date;  

      (v) The Class Certificate Principal Balance (or Notional Principal
   Balance) of each Class, the Component Principal Balance of each Component
    and the Certificate Principal Balance (or Notional Principal Balance) of a
Single Certificate of each Class after giving effect to (i) all       
distributions allocable to principal (or reductions in the Notional   
Principal Balance, in the case of the Notional Certificates, or the   
addition of any Accrual Amount, in the case of any Class of Accrual   
     Certificates) made on such Distribution Date and (ii) the allocation of any
   Realized Losses and any Subordinate Certificate Writedown Amount for such
Distribution Date;                                                    

   (vi) The Pay-out Rate applicable to each Class of Certificates;

        (vii) The book value and unpaid principal balance of any real estate
     acquired on behalf of Certificateholders through foreclosure, or grant of a
     deed in lieu of foreclosure or otherwise, of any REO Mortgage Loan, and the
number of the related Mortgage Loans;                                 

   (viii) The aggregate Scheduled Principal Balances and number of
  Mortgage Loans which, as of the close of business on the last day of the
    month preceding the related Distribution Date, were (a) delinquent as to a
     total of (x) 30-59 days, (y) 60-89 days and (z) 90 days or more, and (b) in
foreclosure;                                                          

      (ix) The Scheduled Principal Balance of any Mortgage Loan replaced
pursuant to Section 2.03(b);                                          

          (x) The Certificate Interest Rates of any LIBOR Certificates, any COFI
Certificates and the Class S Certificates applicable to the Interest  
Accrual Period relating to such Distribution Date and such Class;     

      (xi) The Senior Percentage, the Class A3 Percentage and the Junior
Percentage for such Distribution Date;                                

   (xii) The Senior Prepayment Percentage, the Class A3 Prepayment
Distribution Percentage and the Junior Prepayment Percentage for such 
Distribution Date; and                                                

       (xiii) The amount of such distribution to the Certificateholders of
each Class allocable to Unanticipated Recoveries.                     

    In the case of information furnished pursuant to clauses (i) through (iii)
above, the amounts shall be expressed as a dollar amount per Single Certificate.

     In connection with any proposed transfer of a Certificate that is purported
to be made in reliance on Rule 144A under the Securities Act, the Company shall 
be responsible for furnishing such information as may be required thereunder to 
a proposed transferee. In furtherance of the Company's obligations hereunder,   
the Company hereby instructs the Trustee, at the Company's expense and on its   
behalf, and the Trustee agrees, to promptly make available to the proposed      
transferee, upon request of the holder, (i) all statements furnished to         
Certificateholders pursuant to this Section 4.05 on previous Distribution Dates,
(ii) all certificates furnished to the Trustee pursuant to Section 4.06 in prior
months, (iii) Officer's Certificates furnished to the Trustee pursuant to       
Section 3.12 for the two years preceding such request, (iv) reports of          
independent accountants furnished to the Trustee pursuant to Section 3.13 for   
the two years preceding such request, (v) a copy of the Private Placement       
Memorandum relating to such Certificate, together with any amendments or        
supplements thereto issued by the Company, which may be accompanied by a legend 
to the effect that the information contained in the Private Placement Memorandum
and any amendment or supplement thereto is current only as of its date and the  
delivery thereof does not create an implication that such information is correct
as of any subsequent date of delivery (it being understood that the Company has 
no obligation hereunder to update or supplement the Private Placement Memorandum
unless otherwise required pursuant to Rule 144A(d)(4)) (which copy and legend   
shall be furnished to the Trustee by the Company), and (vi) the Company's       
Current Report on Form 8-K, dated the Closing Date, relating to the Mortgage    
Loans; provided, however, that the Trustee shall in no event be required to make
available such statements or certificates pursuant to clauses (i) and (ii) above
relating to Distribution Dates occurring more than twenty-four months preceding 
the month in which such request was received; provided, further, however, that  
notwithstanding the Trustee's agreement as aforesaid to provide such materials  
to a proposed transferee, the Trustee does not assume, and shall not thereby be 
deemed to have assumed, any responsibility for compliance by the Company with   
Rule 144A (subject to the Trustee's agreement set forth in the second sentence  
of this paragraph) and shall be entitled to include a notice with such          
statements or certificates to the effect that such materials have not been      
prepared or assembled by the Trustee and that the Trustee assumes no            
responsibility for the adequacy, sufficiency or contents thereof. In connection 
with any such proposed transfer, the Company shall make available to the        
proposed holder, at the request of the related transferor, such additional      
information, if any, as may be required to be delivered pursuant to Rule        
144A(d)(4).                                                                     

     Section 4.06. Servicer's Certificate. Each month, not later than the second
Business Day next preceding each Distribution Date, the Company shall deliver to
the Trustee a completed Servicer's Certificate.                                 

Section 4.07. Reports of Foreclosures and Abandonments of Mortgaged   
Property. The Trustee (or the Company on behalf of the Trustee) shall, in each  
year beginning after 1999, make the reports of foreclosures and abandonments of 
any Mortgaged Property as required by section 6050J of the Code. In order to    
facilitate this reporting process, the Company, on or before January 15th of    
each year, shall provide to the Trustee reports relating to each instance       
occurring during the previous calendar year in which the Company (i) on behalf  
of the Trustee acquires an interest in a Mortgaged Property through foreclosure 
or other comparable conversion in full or partial satisfaction of a Mortgage    
Loan, or (ii) knows or has reason to know that a Mortgaged Property has been    
abandoned. Reports from the Company shall be in form and substance sufficient to
meet the reporting requirements imposed by section 6050J of the Code.           

Section 4.08. Reduction of Servicing Fees by Compensating Interest    
Payments. The aggregate amount of the Servicing Fees subject to retention by the
Company as servicer in respect of any Distribution Date shall be reduced by the 
amount of any Compensating Interest Payment for such Distribution Date.         

Section 4.09. Surety Bond. (a) If a Required Surety Payment is payable
pursuant to the Surety Bond with respect to any Pledged Asset Mortgage Loan, the
Company shall so notify the Trustee as soon as reasonably practicable and shall,
on behalf of the Trustee for the benefit of the Certificateholders, promptly    
complete the notice in the form of Attachment 1 to the Surety Bond and shall    
promptly submit such notice to the Surety as a claim for a Required Surety      
Payment.                                                                        

    (b) Upon receipt of a Required Surety Payment from the Surety on behalf of
the Certificateholders, the Company shall promptly credit such amount to the    
Mortgage Loan Payment Record.                                                   

   Section 4.10. Distributions to Holders of Designated Retail Certificates.
(a) Except as provided in subsections (d) and (f) below, on each Distribution   
Date on which distributions in reduction of the Class Certificate Principal     
Balance of a Class of Designated Retail Certificates are made, such             
distributions will be made in the following order of priority:                  

      (i) first, in respect of any Principal Distribution Request by the
     personal representative of a Deceased Holder of such Class of Certificates,
   a surviving tenant by the entirety, a surviving joint tenant, a surviving
  tenant in common or such other Person empowered to act on behalf of such
     Deceased Holder upon his or her death, in an amount up to but not exceeding
$100,000 per request; and                                             

      (ii) second, in respect of any Principal Distribution Request by a
 Living Holder of such Class of Certificates, in an amount up to but not
exceeding $10,000 per request.                                        

   Thereafter, distributions in respect of such Class submitted on behalf of
each Deceased Holder will be made as provided in clause (i) above up to a second
$100,000 per request and distributions in respect of such Class submitted on    
behalf of each Living Holder will be made as provided in clause (ii) above up to
a second $10,000 per request. This sequence of priorities will be repeated until
all such requests have been honored to the extent of amounts available for      
distribution in reduction of the Class Certificate Principal Balance of such    
Class of Designated Retail Certificates.                                        

    Principal Distribution Requests presented on behalf of Deceased Holders in
accordance with the provisions of clause (i) above will be accepted in the order
of their receipt by the Depository. Principal Distribution Requests presented in
accordance with the provisions of clause (ii) above will be accepted in the     
order of their receipt by the Depository after all requests presented in        
accordance with clause (i) have been honored. All Principal Distribution        
Requests with respect to any Distribution Date shall be made in accordance with 
Section 4.10(c) below and must be received by the Depository no later than the  
close of business on the related Record Date. Principal Distribution Requests   
that are received by the Depository after the related Record Date and requests, 
in either case, for distributions timely received but not accepted with respect 
to any Distribution Date, will be treated as Principal Distribution Requests on 
the next succeeding Distribution Date, and each succeeding Distribution Date    
thereafter, until each such request is accepted or is withdrawn as provided in  
Section 4.10(c). Requests on behalf of Deceased Holders that are not so         
withdrawn shall retain their order of priority, all in accordance with the      
procedures of the Depository and the Trustee. Upon the transfer of beneficial   
ownership of any Designated Retail Certificate, any Principal Distribution      
Request previously submitted with respect to such Certificate will be deemed to 
have been withdrawn only upon the receipt by the Trustee of notification of such
withdrawal using a form required by the Depository.                             

Principal Distribution Requests for a Class of Designated Retail      
Certificates will be applied, in the aggregate, in an amount equal to the       
portion of the Available Funds distributable to such Class of Certificates      
pursuant to Section 4.01(a), plus any amounts available for distribution from   
the related Rounding Account pursuant to Section 4.10(e), provided that the     
aggregate distribution in reduction of the Class Certificate Principal Balance  
of any Class of Designated Retail Certificates on any Distribution Date shall be
made in an integral multiple of $1,000, subject to Section 4.10(f).             

(b) A "Deceased Holder" is a beneficial owner of a Designated Retail  
Certificate who was living at the time such interest was acquired and whose     
authorized personal representative, surviving tenant by the entirety, surviving 
joint tenant or surviving tenant in common or other Person empowered to act on  
behalf of such beneficial owner upon his or her death, causes to be furnished to
the Trustee a certified copy of the death certificate of such Deceased Holder,  
evidence of such person's status as an authorized representative of the Deceased
Holder, such as surviving tenant (whether by the entirety, joint tenancy or     
tenancy in common), which evidence shall be satisfactory to the Trustee, and any
additional evidence of death required by and satisfactory to the Trustee and any
tax waivers requested by the Trustee. Designated Retail Certificates            
beneficially owned by tenants by the entirety, joint tenants or tenants in      
common will be considered to be beneficially owned by a single owner. The death 
of a tenant by the entirety, joint tenant or tenant in common will be deemed to 
be the death of the beneficial owner, and any Designated Retail Certificates so 
beneficially owned will be eligible for priority with respect to distributions  
in reduction of the Class Certificate Principal Balance of such Class of        
Certificates, subject to the limitations contained in this Section 4.10.        
Designated Retail Certificates beneficially owned by a trust will be considered 
to be beneficially owned by each beneficiary of the trust to the extent of such 
beneficiary's beneficial interest therein, but in no event will a trust's       
beneficiaries collectively be deemed to be beneficial owners of a number of     
individual Designated Retail Certificates greater than the number of individual 
Designated Retail Certificates of which such trust is the beneficial owner. The 
death of a beneficiary of a trust will be deemed to be the death of a beneficial
owner of the Designated Retail Certificates beneficially owned by the trust to  
the extent of such beneficiary's beneficial interest in such trust. The death of
an individual who was a tenant by the entirety, joint tenant or tenant in common
in a tenancy that is the beneficiary of a trust will be deemed to be the death  
of the beneficiary of the trust. The death of a person who, immediately prior to
his or her death, was entitled to substantially all of the beneficial ownership 
interest in a Designated Retail Certificate will be deemed to be the death of   
the beneficial owner of such Certificate regardless of the registration of      
ownership of such Certificate, if such beneficial ownership interest can be     
established to the satisfaction of the Trustee. The Trustee's decision regarding
whether a Deceased Holder's beneficial interest is substantial for purposes of  
the preceding sentence shall be conclusive and binding. Such beneficial interest
will be deemed to exist in typical cases of street name or nominee ownership,   
ownership by a trustee, ownership under the Uniform Gifts to Minors Act and     
community property or other joint ownership arrangements between a husband and  
wife. Beneficial interests shall include the power to sell, transfer or         
otherwise dispose of a Designated Retail Certificate, and the right to receive  
the proceeds therefrom, as well as interest and distributions in reduction of   
the Certificate Principal Balance of such Certificates payable with respect     
thereto. The Trustee shall not be under any duty to determine independently the 
occurrence of the death of any beneficial owner. The Trustee may rely entirely  
upon documentation delivered to it in establishing the eligibility of any       
beneficial owner to receive the priority accorded Deceased Holders in Section   
4.10(a). Expenses incurred by the Trustee in an effort to determine the         
beneficial ownership interest with respect to any Principal Distribution Request
presented on behalf of a Deceased Holder, including, without limitation,        
attorneys fees, shall be paid by the Person presenting such Principal           
Distribution Request.                                                           

  (c) Requests for distributions in reduction of the Certificate Principal
Balance of a Class of Designated Retail Certificate must be made by delivering a
Principal Distribution Request therefor to the Depository Participant or        
Financial Intermediary that maintains the account evidencing the beneficial     
owner's interest in such Certificate. Such Depository Participant or Financial  
Intermediary should in turn make the request of the Depository (or, in the case 
of an Financial Intermediary, such Financial Intermediary should notify the     
related Depository Participant of such request, which Depository Participant    
should make the request of the Depository) on a form required by the Depository 
and provided to the Depository Participant. In the case of a request on behalf  
of a Deceased Holder, a certified copy of the death certificate and any         
additional appropriate evidence of death and any tax waivers must be forwarded  
to the Trustee under separate cover. Any such requests of Deceased Holders that 
are incomplete may not be honored by the Trustee and, if not honored, will lose 
their priority and must be resubmitted in proper form. Upon receipt of such     
Principal Distribution Request, the Depository will date and time stamp such    
request and forward such request to the Trustee. Such requests will be honored  
on any Distribution Date only to the extent that they are received by the       
Depository on or before the Record Date for such Distribution Date. The         
Depository may establish such procedures as it deems fair and equitable to      
establish the order of receipt of requests for such distributions received by it
on the same day. Principal Distribution Requests delivered to the Depository    
after the Record Date for a particular Distribution Date and requests received  
in a timely manner but not accepted with respect to a particular Distribution   
Date will be treated as Principal Distribution Requests for the next succeeding 
Distribution Date and each succeeding Distribution Date thereafter until each   
request is accepted or is withdrawn as provided below. In the case of Principal 
Distribution Requests on behalf of Living Holders, the Depository will establish
a new order of priority for each Distribution Date. This order will apply both  
to previously unsatisfied Principal Distribution Requests and to newly submitted
requests. A Principal Distribution Request submitted on behalf of a Living      
Holder who later dies will become entitled to the priority of a newly submitted 
request on behalf of a Deceased Holder upon satisfaction of the requirements set
forth above for requests of a Deceased Holder. Such priority will be effective  
for each subsequent Distribution Date if the Trustee has received a certified   
copy of the death certificate for such Deceased Holder and any additional       
appropriate evidence of death and any requested tax waivers by the last business
day of the preceding calendar month. Each Principal Distribution Request        
submitted by a beneficial owner of a Designated Retail Certificate will be held 
by the Depository until such request has been accepted or has been withdrawn in 
writing as provided herein. Neither the Trustee nor the Company shall be liable 
for any delay in delivery of Principal Distribution Requests or Withdrawals (as 
defined below) of such requests by the Depository, a Depository Participant or  
any Financial Intermediary.                                                     

   In the event that any Principal Distribution Requests are rejected by the
Trustee for failure to comply with the requirements of this Section 4.10, the   
Trustee shall return such requests to the appropriate Depository Participant    
with a copy to the Depository with an explanation as to the reason for such     
rejection.                                                                      

The Trustee shall maintain a list of those Depository Participants    
representing the Certificate Owners of Designated Retail Certificates that have 
submitted Principal Distribution Requests, together with the order of receipt   
and the amounts of such requests. The Trustee shall notify the Depository and   
the appropriate Depository Participants as to which requests should be honored  
on each Distribution Date. Requests shall be honored by the Depository in       
accordance with the procedures, and subject to the priorities and limitations,  
described in this Section 4.10. The exact procedures to be followed by the      
Trustee and the Depository for purposes of determining such priorities and      
limitations shall be those established from time to time by the Trustee or the  
Depository, as the case may be. The decisions of the Trustee and the Depository 
concerning such matters shall be final and binding on all affected Persons.     

 Any beneficial owner of a Designated Retail Certificate that has made a
Principal Distribution Request may withdraw its request by so notifying in      
writing the Depository Participant or Financial Intermediary that maintains such
beneficial owner's account (each such withdrawal, a "Withdrawal"). The          
Depository Participant should forward the Withdrawal to the Depository on a form
required by the Depository. In the event that such account is maintained by a   
Financial Intermediary, such Financial Intermediary should notify the related   
Depository Participant which in turn should forward the Withdrawal of such      
request, on a form required by the Depository, to the Depository. If such       
Withdrawal has not been received by the Depository and forwarded to the Trustee 
on or before the Record Date for the next Distribution Date, the previously made
Principal Distribution Request will be irrevocable with respect to the making of
distributions in reduction of the Certificate Principal Balance of such         
Designated Retail Certificate on such Distribution Date.                        

(d) To the extent, if any, that amounts available for distribution in 
reduction of the Class Certificate Principal Balance of a Class of Designated   
Retail Certificates on a Distribution Date pursuant to Section 4.01(a) exceed   
the dollar amount of Principal Distribution Requests that have been received in 
respect of such Class by the related Record Date, as provided in Section 4.10(c)
above, distributions in reduction of the Class Certificate Principal Balance of 
such Class of Certificates will be made by mandatory distributions on a Random  
Lot basis, in integral multiples equal to $1,000, in reduction thereof without  
regard to whether such Certificate Owners have submitted Principal Distribution 
Requests. The Trustee shall notify the Depository of the aggregate amount of the
mandatory distribution by Random Lot in reduction of the Class Certificate      
Principal Balance of such Designated Retail Certificates to be made on the next 
Distribution Date. The Depository shall then allocate such aggregate amount     
among its Depository Participants on a Random Lot basis. Each Depository        
Participant and, in turn, each Financial Intermediary, will then select, in     
accordance with its own procedures, Designated Retail Certificates of such Class
from among those held in its accounts to receive mandatory distributions in     
reduction of the Class Certificate Principal Balance of such Certificates, such 
that the total amount so selected is equal to the aggregate amount of such      
mandatory distributions allocated to such Depository Participant by the         
Depository and to such Financial Intermediary by its related Depository         
Participant, as the case may be. Depository Participants and Financial          
Intermediaries that hold a Class of Designated Retail Certificates selected for 
mandatory distributions in reduction of the Class Certificate Principal Balance 
thereof should provide notice of such mandatory distributions to the affected   
Certificate Owners.                                                             

   (e) On the Closing Date, a separate Rounding Account shall be established
with the Trustee for each Class of Designated Retail Certificates and the       
Rounding Account Depositor for such Rounding Account shall cause to be initially
deposited the sum of $999.99 in each such Rounding Account. On each Distribution
Date on which a distribution is to be made in reduction of the Class Certificate
Principal Balance of a Class of Designated Retail Certificates pursuant to      
Section 4.01(a), funds on deposit in the related Rounding Account shall be, to  
the extent needed, withdrawn by the Trustee and applied to round upward to an   
integral multiple of $1,000 the aggregate distribution in reduction of the Class
Certificate Principal Balance to be made on such Class of Certificates. Rounding
of such distribution on such Class of Designated Retail Certificates shall be   
accomplished, on the first such Distribution Date, by withdrawing from the      
related Rounding Account the amount of funds, if any, needed to round the amount
otherwise available for such distribution in reduction of the Class Certificate 
Principal Balance of such Certificates upward to the next integral multiple of  
$1,000. On each succeeding Distribution Date on which distributions in reduction
of the Class Certificate Principal Balance of such Class of Designated Retail   
Certificates are to be made pursuant to Section 4.01(a), the aggregate amount of
such distributions allocable to such Certificates shall be applied first to     
repay any funds withdrawn from the related Rounding Account and not previously  
repaid, and then the remainder of such allocable amount, if any, shall be       
similarly rounded upward to the next integral multiple of $1,000 and applied as 
distributions in reduction of the Class Certificate Principal Balance of the    
related Class of Certificates; this process shall continue on succeeding        
principal Distribution Dates prior to the Cross-Over Date until the Class       
Certificate Principal Balance of each such Class of Certificates has been       
reduced to zero. Each Rounding Account shall be maintained as a non-interest    
bearing account; the Rounding Accounts shall not be an asset of the Trust Fund, 
but shall be an asset in the REMIC. On the earlier of (1) the Cross-Over Date   
and (2) the first Distribution Date after the Class Certificate Principal       
Balance of any Class of Designated Retail Certificates has been reduced to zero,
any remaining amounts in the related Rounding Account shall be distributed to   
the Class R Certificate.                                                        

(f) Notwithstanding any provisions herein to the contrary, on each    
Distribution Date coinciding with or after the Cross-Over Date, all             
distributions in reduction of the Class Certificate Principal Balance of any    
Class of Designated Retail Certificates will be made among the Holders and      
Certificate Owners of such Class of Certificates, pro rata, based on their      
Certificate Principal Balances, and will not be made in integral multiples of   
$1,000 or pursuant to requested distributions or mandatory distributions by     
Random Lot.                                                                     

 (g) In the event that Definitive Certificates representing any Class of
Designated Retail Certificates are issued pursuant to Section 5.02(f), all      
requests for distributions or withdrawals of such requests relating to such     
Class must be submitted to the Trustee, and the Trustee shall perform the       
functions described in Section 4.10(a) through (d) using its own procedures,    
which procedures shall, to the extent practicable, be consistent with the       
procedures described in Section 4.10(a) through (d).                            

 ARTICLE V

THE CERTIFICATES

     Section 5.01. The Certificates. (a) The Certificates shall be substantially
in the forms set forth in Exhibit A hereto, as applicable, and shall, on        
original issue, be executed by the Trustee, not in its individual capacity but  
solely as Trustee, and countersigned and delivered by the Trustee to or upon the
order of the Company as provided in Article II.                                 

  (b) The Certificates shall be issued in an aggregate Initial Certificate
Principal Balance of $498,750,715.74. Such aggregate original principal balance 
shall be divided among the Classes having the designations, Class Certificate   
Principal Balances, Certificate Interest Rates and minimum denominations as     
follows:                                                                        

Initial Class                           
Certificate             Certificate   
              Principal                Interest            Minimum
Designation           Balance                  Rate            Denominations    
-----------           -------                  ----            -------------    
Class A1            $40,926,000.00             6.50%               $25,000      
Class A2             14,475,476.00             (1)                  25,000      
Class A3             47,710,557.00             6.50%                25,000      
Class A4              4,053,134.00             (1)                  25,000      
Class A5              2,551,890.00             7.00%                 1,000      
Class A6              4,712,416.00             7.00%                 1,000      
Class A7              2,000,000.00             7.00%                 1,000      
Class A8             29,000,000.00             7.50%                25,000      
Class A9            138,655,000.00             6.00%                25,000      
Class A10            29,000,000.00             6.75%                25,000      
Class A11           100,000,000.00             7.00%                25,000      
Class A12            20,707,000.00             6.50%                25,000      
Class A13             3,448,000.00             7.00%                 1,000      
Class A14               676,358.00             (2)                  25,000      
Class A15             4,204,000.00             7.00%                 1,000      
Class A16             1,140,642.00             7.00%                 1,000      
Class A17            33,845,000.00             6.00%                25,000      
Class PO                448,236.45             0.00%                    (2)     
Class M              10,483,000.00             6.50%               100,000      
Class B1              3,737,000.00             6.50%               100,000      
Class B2              2,242,000.00             6.50%               100,000      
Class B3              2,491,000.00             6.50%               500,000      
Class B4                996,000.00             6.50%                    (2)     
Class B5              1,247,906.29             6.50%               500,000      
Class S                      (3)               (3)                      (4)     
Class R                     100.00             6.50%                   100      
-------------------------                                                       
(1)  The Certificate Interest Rates of the Class A2 and Class A4 Certificates   
     for each Interest Accrual Period shall be determined as provided in Section
5.01(f).                                                              

(2)  This Class of Certificates will be issued as a single Certificate          
  evidencing the entire Class Certificate Principal Balance of such Class.

(3)  The Class S Certificates are issued with an initial Notional Principal     
Balance of $476,820,702.62 and shall bear interest at the Strip Rate. 

(4)  The Class S Certificates will be issued in minimum denominations of        
Notional Principal Balance of $25,000,000.                            

(c) The Certificates shall be issuable in registered form only. The   
Book-Entry Certificates will be evidenced by one or more certificates,          
beneficial ownership of which will be held in the minimum dollar denominations  
in Certificate Principal Balance or Notional Principal Balance, as applicable,  
specified in Section 5.01(b), and integral multiples of $1,000 in excess        
thereof. The Non-Book-Entry Certificates other than the Residual Certificate    
shall each be issued in the minimum dollar denominations in Certificate         
Principal Balance or Notional Principal Balance, as applicable, specified in    
Section 5.01(b), and integral multiples of $1,000 in excess thereof (and, if    
necessary, in the amount of the remaining Class Certificate Principal Balance or
Notional Principal Balance, as applicable, of each Class, in the case of one    
Certificate of such Class). The Residual Certificate shall be issued as a single
certificate evidencing the entire Class Certificate Principal Balance of such   
Class and having a Percentage Interest of 100%. If necessary, one Certificate of
each Class of Book-Entry Certificates may evidence an additional amount equal to
the remainder of the Class Certificate Principal Balance of such Class.         

    (d) The Certificates shall be executed by manual or facsimile signature on
behalf of the Trustee by an authorized officer under its seal, which may be in  
facsimile form and be imprinted or otherwise reproduced thereon. Certificates   
bearing the manual or facsimile signatures of individuals who were, at the time 
when such signatures were affixed, authorized to sign on behalf of the Trustee  
shall bind the Trustee, notwithstanding that such individuals or any of them    
have ceased to be so authorized prior to the authentication and delivery of such
Certificates or did not hold such offices at the date of such Certificate. No   
Certificate shall be entitled to any benefit under this Agreement, or be valid  
for any purpose, unless such Certificate shall have been manually countersigned 
by the Trustee substantially in the forms set forth in Exhibit A hereto, and    
such countersignature upon any Certificate shall be conclusive evidence, and the
only evidence, that such Certificate has been duly executed and delivered       
hereunder. All Certificates issued on the Closing Date shall be dated the       
Closing Date; all Certificates issued thereafter shall be dated the date of     
their countersignature.                                                         

    (e) The Strip Rate for each Interest Accrual Period shall be determined by
the Company and included in the Servicer's Certificate for the related          
Distribution Date.                                                              

    (f) (1) During the first Interest Accrual Period, the Certificate Interest
Rate of the Class A2 Certificates shall be 5.95370% per annum. For each         
subsequent Interest Accrual Period, the Certificate Interest Rate of the Class  
A2 Certificates shall be a per annum rate equal to the lesser of (1) 1.050% plus
LIBOR and (2) 8.000%, subject to a minimum rate of 1.050%.                      

        (2) During the first Interest Accrual Period, the Certificate Interest
Rate of the Class A4 Certificates shall be 7.308214007% per annum. For each     
subsequent Interest Accrual Period, the Certificate Interest Rate of the Class  
A4 Certificates shall be a per annum rate equal to the lesser of (1) (A)        
24.82142500% minus (B) 3.57142790 multiplied by LIBOR and (2) 24.82142500%,     
subject to a minimum rate of 0.000%.                                            

  Section 5.02. Registration of Transfer and Exchange of Certificates. (a)
The Trustee shall cause to be kept at an office or agency in the city in which  
the Corporate Trust Office of the Trustee is located or in the City of New York,
New York a Certificate Register in which, subject to such reasonable regulations
as it may prescribe, the Trustee shall provide for the registration of          
Certificates and of transfers and exchanges of Certificates as herein provided. 
The Trustee shall initially serve as Certificate Registrar for the purpose of   
registering Certificates and transfers and exchanges of Certificates as herein  
provided.                                                                       

     Subject to Sections 5.02(b) and 5.02(c), upon surrender for registration of
transfer of any Certificate at the Corporate Trust Office, the Trustee shall    
execute, authenticate and deliver, in the name of the designated transferee or  
transferees, one or more new Certificates of the same Class in authorized       
denominations of a like Percentage Interest.                                    

 At the option of a Certificateholder, Certificates may be exchanged for
other Certificates of authorized denominations of a like Class and Percentage   
Interest, upon surrender of the Certificates to be exchanged at any such office 
or agency. Whenever any Certificates are so surrendered for exchange the Trustee
shall execute, countersign and deliver the Certificates which the               
Certificateholder making the exchange is entitled to receive. Every Certificate 
presented or surrendered for registration of transfer or exchange shall be      
accompanied by a written instrument of transfer in form satisfactory to the     
Trustee and the Certificate Registrar duly executed by the Holder thereof or his
attorney duly authorized in writing.                                            

No service charge shall be made for any registration of transfer or   
exchange of Certificates, but the Trustee may require payment of a sum          
sufficient to cover any tax or governmental charge that may be imposed in       
connection with any transfer or exchange of Certificates.                       

All Certificates surrendered for registration of transfer and exchange
shall be canceled and subsequently destroyed by the Trustee and a certificate of
destruction shall be delivered by the Trustee to the Company.                   

   (b) No legal or beneficial interest in all or any portion of the Residual
Certificates may be transferred directly or indirectly to (i) a Disqualified    
Organization or an agent of a Disqualified Organization (including a broker,    
nominee, or middleman), (ii) an entity that holds REMIC residual securities as  
nominee to facilitate the clearance and settlement of such securities through   
electronic book-entry changes in accounts of participating organizations (a     
"Book-Entry Nominee"), or (iii) an individual, corporation, partnership or other
person unless such transferee (A) is not a Non-U.S. Person or (B) is a Non-U.S. 
Person that holds a Residual Certificate in connection with the conduct of a    
trade or business within the United States and has furnished the transferor and 
the Trustee with an effective Internal Revenue Service Form 4224 or (C) is a    
Non-U.S. Person that has delivered to both the transferor and the Trustee an    
opinion of a nationally recognized tax counsel to the effect that the transfer  
of a Residual Certificate to it is in accordance with the requirements of the   
Code and the regulations promulgated thereunder and that such transfer of a     
Residual Certificate will not be disregarded for federal income tax purposes    
(any such person who is not covered by clause (A), (B) or (C) above being       
referred to herein as a "Non-permitted Foreign Holder"), and any such purported 
transfer shall be void and have no effect. The Trustee shall not execute, and   
shall not authenticate and deliver, a Residual Certificate in connection with   
any transfer thereof unless the transferor shall have provided to the Trustee an
affidavit, substantially in the form attached as Exhibit F hereto, signed by the
transferee, to the effect that the transferee is not such a Disqualified        
Organization, an agent (including a broker, nominee, or middleman) for any      
entity as to which the transferee has not received a substantially similar      
affidavit, a Book-Entry Nominee or a Non-permitted Foreign Holder, which        
affidavit shall contain the consent of the transferee to any such amendments of 
this Agreement as may be required to further effectuate the foregoing           
restrictions on transfer of the Residual Certificates to Disqualified           
Organizations, Book-Entry Nominees or Non-permitted Foreign Holders, and an     
agreement by the Transferee that it will not transfer a Residual Certificate    
without providing to the Trustee an affidavit substantially in the form attached
as Exhibit F hereto and a letter substantially in the form attached as Exhibit G
hereto. Such affidavit shall also contain the statement of the transferee that  
(i) it does not have the intention to impede the assessment or collection of any
federal, state or local taxes legally required to be paid with respect to the   
Residual Certificates and (ii) it understands that it may incur tax liabilities 
in excess of cash flows generated by a Residual Certificate and that it intends 
to pay taxes associated with holding a Residual Certificate as they become due. 

The affidavit described in the preceding paragraph, if not executed in
connection with the initial issuance of the Residual Certificates, shall be     
accompanied by a written statement in the form attached as Exhibit G hereto,    
signed by the transferor, to the effect that as of the time of the transfer, the
transferor has (i) no actual knowledge that the transferee is a Disqualified    
Organization, Book-Entry Nominee or Non-permitted Foreign Holder, (ii) no reason
to believe that the transferee has the intention to impede the assessment or    
collection of any federal, state or local taxes legally required to be paid with
respect to a Residual Certificate, and (iii) conducted a reasonable             
investigation and found that the transferee had historically paid its debts as  
they came due and found no significant evidence to indicate that the transferee 
will not continue to pay its debts as they become due. The Residual Certificates
shall bear a legend referring to the foregoing restrictions contained in this   
paragraph and the preceding paragraph.                                          

 Upon notice to the Company that any legal or beneficial interest in any
portion of the Residual Certificates has been transferred, directly or          
indirectly, to a Disqualified Organization or agent thereof (including a broker,
nominee, or middleman) in contravention of the foregoing restrictions, (i) such 
transferee shall be deemed to hold the Residual Certificate in constructive     
trust for the last transferor who was not a Disqualified Organization or agent  
thereof, and such transferor shall be restored as the owner of such Residual    
Certificate as completely as if such transfer had never occurred, provided that 
the Company may, but is not required to, recover any distributions made to such 
transferee with respect to the Residual Certificate and return such recovery to 
the transferor, and (ii) the Company agrees to furnish to the Internal Revenue  
Service and to any transferor of the Residual Certificate or such agent (within 
60 days of the request therefor by the transferor or agent) such information    
necessary to the application of section 860E(e) of the Code as may be required  
by the Code, including but not limited to the present value of the total        
anticipated excess inclusions with respect to the Residual Certificate (or      
portion thereof) for periods after such transfer. At the election of the        
Company, the cost to the Company of computing and furnishing such information   
may be charged to the transferor or such agent referred to above; however, the  
Company shall in no event be excused from furnishing such information.          

     The restrictions on transfers of the Residual Certificates set forth in the
preceding three paragraphs shall cease to apply to transfers (and the applicable
portions of the legend to the Residual Certificates may be deleted) after       
delivery to the Trustee of an Opinion of Counsel to the effect that the         
elimination of such restrictions will not cause the REMIC established hereunder 
to fail to qualify as a REMIC at any time that the Certificates are outstanding.

    No transfer of a Restricted Certificate shall be made unless such transfer
is made pursuant to an effective registration statement under the Securities Act
of 1933, as amended (the "Act"), and any applicable state securities laws, in   
each case as evidenced by an Officer's Certificate, or is exempt from the       
registration requirements of the Act and any applicable state securities laws.  
In the event of such registration, any restrictive legends set forth in the form
of the relevant Restricted Certificate in Exhibit A hereto with respect to the  
Act and state securities law restrictions shall be removed by the Trustee upon  
request of the Holder thereof and automatically upon exchange or registration of
transfer thereof. As a condition to any transfer that is to be made in reliance 
upon an exemption from the Act and such laws of a (i) Class PO or Class S       
Certificate or (ii) Restricted Junior Certificate to any person other than a QIB
(as certified by the proposed transferee in the form of assignment attached to  
the related Certificate), either (x) the Trustee shall require the transferee to
execute an investment letter in the form substantially as set forth in Exhibit I
hereto or in such other form as may be acceptable to the Trustee, certifying as 
to the facts surrounding such transfer, or (y) in lieu of such investment       
letter, the Trustee may accept a written Opinion of Counsel (in form and        
substance acceptable to the Trustee) that such proposed transfer may be made    
pursuant to an exemption from the Act. As an additional condition to any        
transfer of a Restricted Certificate, either (i) the transferor and the         
transferee shall complete the form of assignment attached to the Certificate    
proposed to be transferred, or (ii) the Trustee shall have received the         
above-referenced Opinion of Counsel. The holder of any Restricted Certificate   
desiring to effect the transfer thereof to a person other than a QIB shall, and 
hereby agrees to, comply with any applicable conditions set forth in the        
preceding two sentences and indemnify the Trustee and the Company against any   
liability that may result if the transfer thereof is not so exempt or is not    
made in accordance with such federal and state laws. Such agreement to so       
indemnify the Trustee and the Company shall survive the termination of this     
Agreement. Notwithstanding the foregoing, no Opinion of Counsel or investment   
letter shall be required upon the original issuance of (i) the Restricted Junior
Certificates to the Initial Purchaser (as defined in the Private Placement      
Memorandum) or its nominee and (ii) the Class PO or Class S Certificates to the 
Company or upon any subsequent transfer of any Class PO or Class S Certificate  
by the Company, provided that if any Restricted Junior Certificates are, at the 
request of the Initial Purchaser, registered in the name of its nominee, the    
Initial Purchaser shall be deemed to acknowledge and agree with the Company and 
the Trustee that no transfer of a beneficial interest in such Certificates will 
be made without registering such Certificates in the name of the transferee,    
which shall be a Person other than such nominee. Any opinion or letter required 
pursuant to this paragraph shall not be at the expense of the Trust Fund or the 
Trustee.                                                                        

 (c) (i) No transfer of an ERISA-Restricted Certificate in the form of a
Definitive Certificate shall be made to any Person unless the Trustee has       
received (A) a certificate (substantially in the form of Exhibit E or such other
form as is acceptable to the Company and the Trustee) from such transferee to   
the effect that such transferee (i) is not a Plan or a Person that is using the 
assets of a Plan to acquire such ERISA-Restricted Certificate or (ii) is an     
insurance company investing assets of its general account and the exemptions    
provided by Section III(a) of Department of Labor Prohibited Transaction Class  
Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemptions") apply to 
the transferee's acquisition and holding of any ERISA-Restricted Certificate or 
(B) an opinion of counsel satisfactory to the Trustee and the Company to the    
effect that the purchase and holding of such a Certificate will not constitute  
or result in the assets of the Trust Fund being deemed to be "plan assets"      
subject to the prohibited transactions provisions of ERISA or Section 4975 of   
the Code and will not subject the Trustee or the Company to any obligation in   
addition to those undertaken in the Agreement; provided, however, that the      
Trustee will not require such certificate or opinion in the event that, as a    
result of a change of law or otherwise, counsel satisfactory to the Trustee has 
rendered an opinion to the effect that the purchase and holding of an           
ERISA-Restricted Certificate by a Plan or a Person that is purchasing or holding
such a Certificate with the assets of a Plan will not constitute or result in a 
prohibited transaction under ERISA or Section 4975 of the Code. The preparation 
and delivery of the certificate and opinions referred to above shall not be an  
expense of the Trust Fund, the Trustee or the Company. Notwithstanding the      
foregoing, no opinion or certificate shall be required for the initial issuance 
of the ERISA-Restricted Certificates.                                           

          (ii) No transfer of a Residual Certificate shall be made to any Person
    unless the Trustee has received a certification (substantially in the form
     of paragraph 4 of Exhibit F) from such transferee to the effect that, among
   other things, such transferee is not a Plan or a Person that is using the
assets of a Plan to acquire any such Certificate. The preparation and 
     delivery of such certificate shall not be an expense of the Trust Fund, the
Trustee or the Company.                                               

  (d) Subject to Section 8.01(i) hereof, the Trustee may conclusively rely
upon any certificate, affidavit or opinion delivered pursuant to Section 5.02(b)
or (c). Any certificate or affidavit required to be delivered by a transferee   
under this Section 5.02 may be executed and delivered in the name of such       
transferee by its attorney-in-fact duly authorized in writing in form and       
substance satisfactory to the Trustee.                                          

(e) Except as to any additional Certificate of any Class of Book-Entry
Certificates held in physical certificated form pursuant to Section 5.02(g) or  
any Restricted Junior Certificate of any Class of Book-Entry Certificates that  
is transferred to an entity other than a QIB, the Book-Entry Certificates shall,
subject to Section 5.02(f), at all times remain registered in the name of the   
Depository or its nominee and at all times: (i) registration thereof may not be 
transferred by the Trustee except to another Depository; (ii) the Depository    
shall maintain book-entry records with respect to the Certificate Owners and    
with respect to ownership and transfers of such Certificates; (iii) ownership   
and transfers of registration of the Certificates issued in book-entry form on  
the books of the Depository shall be governed by applicable rules established by
the Depository and the rights of Certificate Owners with respect to Book-Entry  
Certificates shall be governed by applicable law and agreements between such    
Certificate Owners and the Depository, Depository Participants, and indirect    
participating firms; (iv) the Depository may collect its usual and customary    
fees, charges and expenses from its Depository Participants; (v) the Trustee    
shall deal with the Depository, Depository Participants and indirect            
participating firms as authorized representatives of the Certificate Owners of  
the Certificates issued in book-entry form for all purposes including the making
of payments due on the Book-Entry Certificates and exercising the rights of     
Holders under this Agreement, and requests and directions for and votes of such 
representatives shall not be deemed to be inconsistent if they are made with    
respect to different Certificate Owners; (vi) the Trustee may rely and shall be 
fully protected in relying upon information furnished by the Depository with    
respect to its Depository Participants and furnished by the Depository          
Participants with respect to indirect participating firms and persons shown on  
the books of such indirect participating firms as direct or indirect Certificate
Owners; (vii) Certificate Owners shall not be entitled to certificates for the  
Book-Entry Certificates and (viii) the Trustee may establish a reasonable record
date in connection with solicitations of consents from or voting by             
Certificateholders and give notice to the Depository of such record date.       

 All transfers by Certificate Owners of Book-Entry Certificates shall be
made in accordance with the procedures established by the Depository Participant
or brokerage firm representing such Certificate Owner. Each Depository          
Participant shall only transfer Book-Entry Certificates of Certificate Owners it
represents or of brokerage firms for which it acts as agent in accordance with  
the Depository's normal procedures. Except as provided herein, the Trustee shall
have no duty to monitor or restrict the transfer of Certificates or interests   
therein, and shall have no liability for any transfer, including any transfer   
made through the book-entry facilities of the Depository or between or among    
Depository Participants or Certificate Owners, made in violation of applicable  
restrictions set forth herein, except in the event of the failure of the Trustee
to perform its duties and fulfill its obligations under this Agreement.         

    (f) If (x)(i) the Company or the Depository advises the Trustee in writing
that the Depository is no longer willing, qualified or able to properly         
discharge its responsibilities as Depository, and (ii) the Trustee or the       
Company is unable to locate a qualified successor, (y) the Company at its option
advises the Trustee in writing that it elects to terminate the book-entry system
through the Depository or (z) after the occurrence of an Event of Default,      
Certificate Owners representing not less than 51% of the aggregate Voting Rights
allocated to the Book-Entry Certificates together advise the Trustee and the    
Depository through the Depository Participants in writing that the continuation 
of a book-entry system through the Depository is no longer in the best interests
of the Certificate Owners, the Trustee shall notify all Certificate Owners,     
through the Depository, of the occurrence of any such event and of the          
availability of Definitive Certificates to Certificate Owners requesting the    
same. Upon surrender to the Trustee of such Certificates by the Depository,     
accompanied by registration instructions from the Depository for registration,  
the Trustee shall issue the Definitive Certificates. Neither the Company nor the
Trustee shall be liable for any delay in delivery of such instructions and may  
conclusively rely on, and shall be protected in relying on, such instructions.  
Upon the issuance of Definitive Certificates all references herein to           
obligations imposed upon or to be performed by the Depository shall be deemed to
be imposed upon and performed by the Trustee, to the extent applicable with     
respect to such Definitive Certificates and the Trustee shall recognize the     
Holders of the Definitive Certificates as Certificateholders hereunder.         

(g) On or prior to the Closing Date, there shall be delivered to the  
Depository (or to State Street Bank and Trust Company acting as custodian for   
the Depository pursuant to the Depository's procedures) one certificate for each
Class of Book-Entry Certificates registered in the name of the Depository's     
nominee, Cede & Co. The face amount of each such Certificate shall represent    
100% of the initial Class Certificate Principal Balance thereof, except for such
amount that does not constitute an acceptable denomination to the Depository. An
additional Certificate of each Class of Book-Entry Certificates may be issued   
evidencing such remainder and, if so issued, will be held in physical           
certificated form by the Holders thereof. Each Certificate issued in book-entry 
form shall bear the following legend:                                           

  "Unless this Certificate is presented by an authorized representative of
The Depository Trust Company, a New York corporation ("DTC"), to Issuer or its  
agent for registration of transfer, exchange, or payment, and any certificate   
issued is registered in the name of Cede & Co. or in such other name as         
requested by an authorized representative of DTC (and any payment is made to    
Cede & Co. or to such other entity as is requested by an authorized             
representative of DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR   
OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered owner      
hereof, Cede & Co., has an interest herein."                                    

     Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. If (a) any
mutilated Certificate is surrendered to the Certificate Registrar, or the       
Certificate Registrar receives evidence to its satisfaction of the destruction, 
loss or theft of any Certificate and (b) there is delivered to the Company, the 
Certificate Registrar and the Trustee such security or indemnity as may be      
required by them to save each of them harmless, then, in the absence of notice  
to the Certificate Registrar or the Trustee that such Certificate has been      
acquired by a bona fide purchaser, the Trustee shall execute, countersign and   
deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or   
stolen Certificate, a new Certificate of like tenor, Class and Percentage       
Interest. In connection with the issuance of any new Certificate under this     
Section 5.03, the Trustee may require the payment of a sum sufficient to cover  
any tax or other governmental charge that may be imposed in relation thereto and
any other expenses (including the fees and expenses of the Trustee and the      
Certificate Registrar) connected therewith. Any duplicate Certificate issued    
pursuant to this Section 5.03 shall constitute complete and indefeasible        
evidence of ownership in the Trust Fund, as if originally issued, whether or not
the lost, stolen or destroyed Certificate shall be found at any time.           

Section 5.04. Persons Deemed Owners. Prior to due presentation of a   
Certificate for registration of transfer, the Company, the Trustee, the         
Certificate Registrar and any agent of the Company, the Trustee or the          
Certificate Registrar may treat the person in whose name any Certificate is     
registered as the owner of such Certificate for the purpose of receiving        
distributions pursuant to Section 4.01 and for all other purposes whatsoever,   
and neither the Company, the Trustee, the Certificate Registrar nor any agent of
the Company, the Trustee or the Certificate Registrar shall be affected by any  
notice to the contrary.                                                         

  Section 5.05. Access to List of Certificateholders' Names and Addresses.
The Certificate Registrar will furnish or cause to be furnished to the Company, 
within 15 days after receipt by the Certificate Registrar of request therefor   
from the Company in writing, a list, in such form as the Company may reasonably 
require, of the names and addresses of the Certificateholders as of the most    
recent Record Date for payment of distributions to Certificateholders. If three 
or more Certificateholders (hereinafter referred to as "applicants") apply in   
writing to the Trustee, and such application states that the applicants desire  
to communicate with other Certificateholders with respect to their rights under 
this Agreement or under the Certificates and is accompanied by a copy of the    
communication which such applicants propose to transmit, then the Trustee shall,
within five Business Days after the receipt of such application, afford such    
applicants access during normal business hours to the most recent list of       
Certificateholders held by the Trustee. If such list is as of a date more than  
90 days prior to the date of receipt of such applicants' request, the Trustee   
shall promptly request from the Certificate Registrar a current list as provided
above, and shall afford such applicants access to such list promptly upon       
receipt. Every Certificateholder, by receiving and holding a Certificate, agrees
with the Certificate Registrar and the Trustee that neither the Certificate     
Registrar nor the Trustee shall be held accountable by reason of the disclosure 
of any such information as to the names and addresses of the Certificateholders 
hereunder, regardless of the source from which such information was derived.    

   Section 5.06. Representation of Certain Certificateholders. The fiduciary
of any Plan which becomes a Holder of a Certificate, by virtue of its acceptance
of such Certificate, will be deemed to have represented and warranted to the    
Trustee and the Company that such Plan is an "accredited investor" as defined in
Rule 501(a)(1) of Regulation D promulgated by the Securities and Exchange       
Commission under the Securities Act of 1933.                                    

  Section 5.07. Determination of COFI. (a) If the outstanding Certificates
include any COFI Certificates, then on each COFI Determination Date the Trustee 
shall determine the value of COFI on the basis of the most recently available   
Information Bulletin referred to in the definition of "COFI". The establishment 
of COFI by the Trustee and the Trustee's subsequent calculation of the rates of 
interest applicable to the COFI Certificates for each Interest Accrual Period   
shall (in the absence of manifest error) be final and binding. During each      
Interest Accrual Period, the Certificate Interest Rate for the COFI Certificates
for the current and immediately preceding Interest Accrual Period shall be made 
available by the Trustee to Certificate Owners and Certificateholders at the    
following telephone number: (617) 664-5500.                                     

   (b) The failure by the Federal Home Loan Bank of San Francisco to publish
COFI for a period of 65 calendar days will constitute an "Alternative Rate      
Event" for purposes hereof. Upon the occurrence of an Alternative Rate Event,   
the Company will calculate the Certificate Interest Rates for the COFI          
Certificates for the subsequent Interest Accrual Periods by using, in place of  
COFI, (i) the replacement index, if any, published or designated by the Federal 
Home Loan Bank of San Francisco or (ii) if no replacement index is so published 
or designated, an alternative index to be selected by the Company that has      
performed, or that the Company expects to perform, in a manner substantially    
similar to COFI. At the time an alternative index is first selected by the      
Company, the Company shall determine the average number of basis points, if any,
by which the alternative index differed from COFI for such period as the        
Company, in its sole discretion, reasonably determines to reflect fairly the    
long-term difference between COFI and the alternative index, and shall adjust   
the alternative index by such average. The Company shall select a particular    
index as an alternative only if it receives an Opinion of Counsel to the effect 
that the selection of such index will not cause any REMIC established hereunder 
to fail to qualify as a REMIC for federal income tax purposes. In the absence of
manifest error, the selection of any alternative index as provided by this      
Section 5.07(b) shall be final and binding for each subsequent Interest Accrual 
Period. Upon the occurrence of an Alternative Rate Event, the Trustee shall have
no responsibility for the determination of any alternative index or the         
calculation of the Certificate Interest Rates for the COFI Certificates.        

  (c) If at any time after the occurrence of an Alternative Rate Event the
Federal Home Loan Bank of San Francisco resumes publication of COFI, the        
Certificate Interest Rates for the COFI Certificates for each Interest Accrual  
Period commencing thereafter will be calculated by reference to COFI.           

   Section 5.08. Determination of LIBOR. (a) If the outstanding Certificates
include any LIBOR Certificates, then on each LIBOR Determination Date the       
Trustee shall determine LIBOR for the related Interest Accrual Period as such   
rate equal to the Interest Settlement Rate. If such rate does not appear on the 
Designated Telerate Page as of 11:00 a.m., London time, on the applicable LIBOR 
Determination Date:                                                             

    (i) The Trustee will request the principal London office of each
Reference Bank (as defined in Section 5.08(e)) to provide such bank's 
   offered quotation (expressed as a percentage per annum) to prime banks in
    the London interbank market for one-month U.S. Dollar deposits as of 11:00
a.m., London time, on the applicable LIBOR Determination Date.        

         (ii) If on any LIBOR Determination Date, two or more of the Reference
    Banks provide such offered quotations, LIBOR for the next Interest Accrual
 Period will be the arithmetic mean of such offered quotations (rounding
   such arithmetic mean upwards, if necessary, to the nearest whole multiple
of 1/16%). If on any LIBOR Determination Date only one or none of the 
Reference Banks provide such offered quotations, LIBOR for the next   
   Interest Accrual Period will be the rate per annum the Trustee determines
to be the arithmetic mean (rounding such arithmetic mean upwards, if  
necessary, to the nearest whole multiple of 1/16%) of the one-month   
     Eurodollar lending rate that three major banks in New York City selected by
     the Trustee are quoting as of approximately 11:00 a.m., New York City time,
on the first day of the applicable Interest Accrual Period.           

        (iii) If on any LIBOR Determination Date the Trustee is required but
  unable to determine LIBOR in the manner provided in subparagraph (ii) of
  this Section 5.08(a), LIBOR for the next Interest Accrual Period will be
  LIBOR as determined on the previous LIBOR Determination Date, or, in the
case of the first LIBOR Determination Date, the Initial LIBOR Rate.   

    (b) The establishment of LIBOR by the Trustee and the Trustee's subsequent
calculation of the Certificate Interest Rates applicable to the LIBOR           
Certificates for the relevant Interest Accrual Period, in the absence of        
manifest error, will be final and binding.                                      

(c) Within five Business Days of the Trustee's calculation of the     
Certificate Interest Rates of the LIBOR Certificates, the Trustee shall furnish 
to the Company by telecopy (or by such other means as the Trustee and the       
Company may agree from time to time) such Certificate Interest Rates.           

  (d) The Trustee shall provide to Certificateholders who inquire of it by
telephone the Certificate Interest Rates of the LIBOR Certificates for the      
current and immediately preceding Interest Accrual Period.                      

    (e) As used herein, "Reference Banks" shall mean no more than four leading
banks engaged in transactions in Eurodollar deposits in the international       
Eurocurrency market (i) with an established place of business in London,        
England, (ii) whose quotations appear on the display designated "LIBO" on the   
Reuters Monitor Money Rates Service (the "Reuters Screen LIBO Page") on the     
applicable LIBOR Determination Date and (iii) which have been designated as such
by the Trustee and are able and willing to provide such quotations to the       
Trustee on each LIBOR Determination Date. The Reference Banks initially shall   
be: Barclay's plc, Bank of Tokyo, National Westminster Bank and Trust Company   
and Bankers Trust Company. If any of the initial Reference Banks should be      
removed from the Reuters Screen LIBO Page or in any other way fail to meet the  
qualifications of a Reference Bank, or if such page is no longer published, the 
Trustee, after consultation with the Company, shall use its best efforts to     
designate alternate Reference Banks.                                            

ARTICLE VI

 THE COMPANY

Section 6.01. Liability of the Company. The Company shall be liable in
accordance herewith only to the extent of the obligations specifically imposed  
upon and undertaken by the Company herein.                                      

    Section 6.02. Merger or Consolidation of, or Assumption of the Obligations
of, the Company. Any corporation into which the Company may be merged or        
consolidated, or any corporation resulting from any merger, conversion or       
consolidation to which the Company shall be a party, or any corporation         
succeeding to the business of the Company, or any corporation, more than 50% of 
the voting stock of which is, directly or indirectly, owned by General Electric 
Company, or any limited partnership, the sole general partner of which is either
the Company or a corporation, more than 50% of the voting stock of which is     
owned, directly or indirectly, by General Electric Company, which executes an   
agreement of assumption to perform every obligation of the Company hereunder,   
shall be the successor of the Company hereunder, without the execution or filing
of any paper or any further act on the part of any of the parties hereto,       
anything herein to the contrary notwithstanding.                                

  Section 6.03. Assignment. The Company may assign its rights and delegate
its duties and obligations as servicer under this Agreement; provided, that (i) 
the purchaser or transferee accepting such assignment or delegation is qualified
to service mortgage loans for FNMA or FHLMC, is reasonably satisfactory to the  
Trustee and executes and delivers to the Trustee an agreement, in form and      
substance reasonably satisfactory to the Trustee, which contains an assumption  
by such purchaser or transferee of the due and punctual performance and         
observance of each covenant and condition to be performed or observed by the    
Company as servicer hereunder from and after the date of such agreement and (ii)
each Rating Agency's rating of any Classes of Certificates in effect immediately
prior to such assignment or delegation would not be qualified, downgraded or    
withdrawn as a result thereof. In the case of any such assignment or delegation,
the Company will be released from its obligations as servicer hereunder except  
for liabilities and obligations as servicer incurred prior to such assignment or
delegation.                                                                     

  Section 6.04. Limitation on Liability of the Company and Others. Neither
the Company nor any of the directors or officers or employees or agents of the  
Company shall be under any liability to the Trust Fund or the Certificateholders
for any action taken or for refraining from the taking of any action by the     
Company pursuant to this Agreement, or for errors in judgment; provided,        
however, that this provision shall not protect the Company or any such person   
against any liability which would otherwise be imposed by reason of willful     
misfeasance, bad faith or gross negligence in the performance of duties of the  
Company or by reason of reckless disregard of obligations and duties of the     
Company hereunder. The Company and any director or officer or employee or agent 
of the Company may rely in good faith on any document of any kind prima facie   
properly executed and submitted by any Person respecting any matters arising    
hereunder. The Company and any director or officer or employee or agent of the  
Company shall be indemnified by the Trust Fund and held harmless against any    
loss, liability or expense incurred in connection with any legal action relating
to this Agreement or the Certificates, other than any loss, liability or expense
related to any specific Mortgage Loan or Mortgage Loans (except as any such     
loss, liability or expense shall be otherwise reimbursable pursuant to this     
Agreement) and any loss, liability or expense incurred by reason of willful     
misfeasance, bad faith or gross negligence in the performance of duties         
hereunder or by reason of reckless disregard of obligations and duties          
hereunder. The Company shall be under no obligation to appear in, prosecute or  
defend any legal action which is not incidental to its duties to service the    
Mortgage Loans in accordance with this Agreement and which in its opinion may   
involve it in any expense or liability; provided, however, that the Company may 
in its sole discretion undertake any such action which it may deem necessary or 
desirable in respect of this Agreement, and the rights and duties of the parties
hereto and the interests of the Certificateholders hereunder. In such event, the
legal expenses and costs of such action and any liability resulting therefrom   
shall be expenses, costs and liabilities of the Trust Fund and the Company shall
be entitled to be reimbursed therefor from amounts credited to the Mortgage Loan
Payment Record as provided by Section 3.04.                                     

Section 6.05. The Company Not to Resign. Subject to the provisions of 
Sections 6.02 and 6.03, the Company shall not resign from the obligations and   
duties hereby imposed on it except upon determination that the performance of   
its duties hereunder is no longer permissible under applicable law. Any such    
determination permitting the resignation of the Company shall be evidenced by an
Opinion of Counsel to such effect delivered to the Trustee. No such resignation 
shall become effective until the Trustee or a successor servicer shall have     
assumed the responsibilities and obligations of the Company in accordance with  
Section 7.02.                                                                   

 ARTICLE VII

 DEFAULT

Section 7.01. Events of Default. If any one of the following events   
("Events of Default") shall occur and be continuing:                            

        (i) Any failure by the Company to make any payment to the Trustee of
funds pursuant to Section 3.02(d) out of which distributions to       
    Certificateholders of any Class are required to be made under the terms of
    the Certificates and this Agreement which failure continues unremedied for
     a period of three Business Days after the date upon which written notice of
    such failure shall have been given to the Company by the Trustee or to the
   Company and the Trustee by Holders of Certificates of each Class affected
     thereby evidencing, as to each such Class, Percentage Interests aggregating
not less than 25%; or                                                 

         (ii) Failure on the part of the Company duly to observe or perform in
   any material respect any other covenants or agreements of the Company set
forth in the Certificates or in this Agreement, which covenants and   
   agreements (A) materially affect the rights of Certificateholders and (B)
     continue unremedied for a period of 60 days after the date on which written
    notice of such failure, requiring the same to be remedied, shall have been
   given to the Company by the Trustee, or to the Company and the Trustee by
   the Holders of Certificates of each Class affected thereby evidencing, as
    to each such Class, Percentage Interests aggregating not less than 25%; or

(iii) The entry of a decree or order by a court or agency or
supervisory authority having jurisdiction in the premises for the     
 appointment of a conservator, receiver or liquidator in any insolvency,
readjustment of debt, marshalling of assets and liabilities or similar
proceedings of or relating to the Company, or for the winding up or   
liquidation of the Company's affairs, and the continuance of any such 
     decree or order unstayed and in effect for a period of 60 consecutive days;
or                                                                    

          (iv) The consent by the Company to the appointment of a conservator or
     receiver or liquidator in any insolvency, readjustment of debt, marshalling
of assets and liabilities or similar proceedings of or relating to the
Company or of or relating to substantially all of its property; or the
    Company shall admit in writing its inability to pay its debts generally as
they become due, file a petition to take advantage of any applicable  
     insolvency or reorganization statute, make an assignment for the benefit of
its creditors, or voluntarily suspend payment of its obligations;     

then, and in each and every such case, so long as an Event of Default shall not 
have been remedied by the Company, either the Trustee, or the Holders of        
Certificates of each Class affected thereby evidencing, as to each such Class,  
Percentage Interests aggregating not less than 51%, by notice then given in     
writing to the Company (and to the Trustee if given by the Certificateholders)  
may terminate all of the rights and obligations of the Company as servicer under
this Agreement. On or after the receipt by the Company of such written notice,  
all authority and power of the Company under this Agreement, whether with       
respect to the Certificates or the Mortgage Loans or otherwise, shall pass to   
and be vested in the Trustee pursuant to and under this Section 7.01; and,      
without limitation, the Trustee is hereby authorized and empowered to execute   
and deliver, on behalf of the Company, as attorney-in-fact or otherwise, any and
all documents and other instruments, and to do or accomplish all other acts or  
things necessary or appropriate to effect the purposes of such notice of        
termination, whether to complete the transfer and endorsement of the Mortgage   
Loans and related documents, or otherwise, including, without limitation, the   
recordation of the assignments of the Mortgage Loans to it. The Company agrees  
to cooperate with the Trustee in effecting the termination of the               
responsibilities and rights of the Company hereunder, including, without        
limitation, the transfer to the Trustee for the administration by it of all cash
amounts that shall at the time be held by the Company and that have been or     
should have been credited by it to the Mortgage Loan Payment Record, or that    
have been deposited by the Company in the Certificate Account or are thereafter 
received by the Company with respect to the Mortgage Loans. In addition to any  
other amounts which are then, or, notwithstanding the termination of its        
activities as servicer, may become, payable to the Company under this Agreement,
the Company shall be entitled to receive out of any delinquent payment on       
account of interest on a Mortgage Loan, due during the period prior to the      
notice pursuant to this Section 7.01 which terminates the obligation and rights 
of the Company hereunder and received after such notice, that portion of such   
payment which it would have been entitled to retain pursuant to Section 3.04(vi)
if such notice had not been given.                                              

  Section 7.02. Trustee to Act; Appointment of Successor. (a) On and after
the time the Company receives a notice of termination pursuant to Section 7.01, 
the Trustee shall be the successor in all respects to the Company in its        
capacity as servicer under this Agreement and the transactions set forth or     
provided for herein and shall succeed to all the rights of and be subject to all
the responsibilities, duties and liabilities relating thereto placed on the     
Company in its capacity as servicer by the terms and provisions hereof;         
provided, however, that the responsibilities and duties of the Company pursuant 
to Sections 2.02 and 2.03(a) and, if the Trustee is prohibited by law or        
regulation from making Monthly Advances, the responsibility to make Monthly     
Advances pursuant to Section 4.04, shall not be the responsibilities, duties or 
obligations of the Trustee; and provided further, that any failure of the       
Trustee to perform such duties and responsibilities that is caused by the       
Company's failure to cooperate with the Trustee as required by Section 7.01     
shall not be considered a default by the Trustee hereunder. As compensation     
therefor, the Trustee shall, except as provided in Section 7.01, be entitled to 
such compensation as the Company would have been entitled to hereunder if no    
such notice of termination had been given. Notwithstanding the above, the       
Trustee may, if it shall be unwilling so to act, or shall, if it is legally     
unable so to act, appoint, or petition a court of competent jurisdiction to     
appoint, any established housing and home finance institution approved to       
service mortgage loans for either FNMA or FHLMC, having a net worth of not less 
than $10,000,000, as the successor to the Company hereunder in the assumption of
all or any part of the responsibilities, duties or liabilities of the Company   
hereunder. Pending appointment of a successor to the Company pursuant to this   
Article VII, unless the Trustee is prohibited by law from so acting, the Trustee
shall act in such capacity as hereinabove provided. In connection with such     
appointment and assumption, the Trustee may make such arrangements for the      
compensation of such successor out of payments on Mortgage Loans as it and such 
successor shall agree; provided, however, that no such compensation shall be in 
excess of that permitted the Company hereunder. The Trustee and such successor  
shall take such action, consistent with this Agreement, as shall be necessary to
effectuate any such succession.                                                 

(b) Any successor, including the Trustee, to the Company as servicer  
pursuant to this Article VII shall during the term of its service as servicer   
maintain in force (i) a policy or policies of insurance covering errors and     
omissions in the performance of its obligations as servicer hereunder, and (ii) 
a fidelity bond in respect of its officers, employees and agents to the same    
extent as the Company is so required pursuant to Section 3.15.                  

   Section 7.03. Notification to Certificateholders. Upon any termination or
appointment of a successor to the Company pursuant to this Article VII, the     
Trustee shall give prompt written notice thereof to Certificateholders at their 
respective addresses appearing in the Certificate Register.                     

ARTICLE VIII

 THE TRUSTEE

     Section 8.01. Duties of Trustee. The Trustee, prior to the occurrence of an
Event of Default and after the curing of all Events of Default which may have   
occurred, undertakes to perform such duties and only such duties as are         
specifically set forth in this Agreement. If an Event of Default has occurred   
(which has not been cured), the Trustee shall exercise such of the rights and   
powers vested in it by this Agreement, and use the same degree of care and skill
in their exercise, as a prudent person would exercise or use under the          
circumstances in the conduct of his or her own affairs.                         

 The Trustee, upon receipt of all resolutions, certificates, statements,
opinions, reports, documents, orders or other instruments furnished to the      
Trustee which are specifically required to be furnished pursuant to any         
provision of this Agreement, shall examine them to determine whether they       
conform to the requirements of this Agreement.                                  

  No provision of this Agreement shall be construed to relieve the Trustee
from liability for its own negligent action, its own negligent failure to act or
its own misconduct; provided, however, that:                                    

     (i) Prior to the occurrence of an Event of Default, and after the
  curing of all such Events of Default which may have occurred, the duties
  and obligations of the Trustee shall be determined solely by the express
  provisions of this Agreement, the Trustee shall not be liable except for
the performance of such duties and obligations as are specifically set
    forth in this Agreement, no implied covenants or obligations shall be read
     into this Agreement against the Trustee and, in the absence of bad faith on
     the part of the Trustee, the Trustee may conclusively rely, as to the truth
  of the statements and the correctness of the opinions expressed therein,
   upon any certificates or opinions furnished to the Trustee and conforming
to the requirements of this Agreement;                                

   (ii) The Trustee shall not be personally liable for an error of
     judgment made in good faith by a Responsible Officer of the Trustee, unless
    it shall be proved that the Trustee was negligent in performing its duties
in accordance with the terms of this Agreement;                       

        (iii) The Trustee shall not be personally liable with respect to any
action taken, suffered or omitted to be taken by it in good faith in  
    accordance with the direction of the Holders of Certificates of each Class
  affected thereby evidencing, as to each such Class, Percentage Interests
  aggregating not less than 25%, relating to the time, method and place of
conducting any proceeding for any remedy available to the Trustee, or 
exercising any trust or power conferred upon the Trustee, under this  
Agreement; and                                                        

   (iv) The Trustee shall not be charged with knowledge of (A) any
failure by the Company to comply with the obligations of the Company  
referred to in clauses (i) and (ii) of Section 7.01, (B) the rating   
downgrade referred to in the definition of "Trigger Event" or (C) any 
 failure by the Company to comply with the obligations of the Company to
  record the assignments of Mortgages referred to in Section 2.01 unless a
  Responsible Officer of the Trustee at the Corporate Trust Office obtains
   actual knowledge of such failures, occurrence or downgrade or the Trustee
    receives written notice of such failures, occurrence or downgrade from the
Company or the Holders of Certificates of each Class affected thereby 
 evidencing, as to each such Class, Percentage Interests aggregating not
less than 25%.                                                        

Subject to any obligation of the Trustee to make Monthly Advances as  
provided herein, the Trustee shall not be required to expend or risk its own    
funds or otherwise incur financial liability in the performance of any of its   
duties hereunder, or in the exercise of any of its rights or powers, if there is
reasonable ground for believing that the repayment of such funds or adequate    
indemnity against such risk or liability is not reasonably assured to it, and   
none of the provisions contained in this Agreement shall in any event require   
the Trustee to perform, or be responsible for the manner of performance of, any 
of the obligations of the Company under this Agreement, except during such time,
if any, as the Trustee shall be the successor to, and be vested with the rights,
duties, powers and privileges of, the Company in accordance with the terms of   
this Agreement.                                                                 

  Section 8.02. Certain Matters Affecting the Trustee. Except as otherwise
provided in Section 8.01:                                                       

          (i) The Trustee may conclusively rely and shall be protected in acting
or refraining from acting upon any resolution, Officer's Certificate, 
  certificate of auditors or any other certificate, statement, instrument,
    opinion, report, notice, request, consent, order, appraisal, bond or other
   paper or document believed by it to be genuine and to have been signed or
presented by the proper party or parties;                             

        (ii) The Trustee may consult with counsel and any Opinion of Counsel
   shall be full and complete authorization and protection in respect of any
  action taken or suffered or omitted by it hereunder in good faith and in
accordance with such Opinion of Counsel;                              

         (iii) The Trustee shall be under no obligation to exercise any of the
   rights or powers vested in it by this Agreement, or to institute, conduct
   or defend any litigation hereunder or in relation hereto, at the request,
order or direction of any of the Certificateholders, pursuant to the  
 provisions of this Agreement, unless such Certificateholders shall have
    offered to the Trustee reasonable security or indemnity against the costs,
    expenses and liabilities which may be incurred therein or thereby; nothing
  contained herein shall, however, relieve the Trustee of the obligations,
   upon the occurrence of an Event of Default (which has not been cured), to
    exercise such of the rights and powers vested in it by this Agreement, and
 to use the same degree of care and skill in their exercise as a prudent
    person would exercise or use under the circumstances in the conduct of his
or her own affairs;                                                   

         (iv) The Trustee shall not be personally liable for any action taken,
     suffered or omitted by it in good faith and believed by it to be authorized
or within the discretion or rights or powers conferred upon it by this
Agreement;                                                            

    (v) Prior to the occurrence of an Event of Default and after the
    curing of all Events of Default which may have occurred, the Trustee shall
    not be bound to make any investigation into the facts or matters stated in
any resolution, certificate, statement, instrument, opinion, report,  
notice, request, consent, order, approval, bond or other paper or     
    documents, unless requested in writing so to do by Holders of Certificates
of each Class affected thereby evidencing, as to each such Class,     
     Percentage Interests aggregating not less than 25%; provided, however, that
if the payment within a reasonable time to the Trustee of the costs,  
   expenses or liabilities likely to be incurred by it in the making of such
    investigation is, in the opinion of the Trustee, not reasonably assured to
    the Trustee by the security afforded to it by the terms of this Agreement,
    the Trustee may require reasonable indemnity against such cost, expense or
liability as a condition to such proceeding. The reasonable expense of
  every such investigation shall be paid by the Company or, if paid by the
  Trustee, shall be reimbursed by the Company upon demand. Nothing in this
     clause (v) shall derogate from the obligation of the Company to observe any
applicable law prohibiting disclosure of information regarding the    
Mortgagors; and                                                       

         (vi) The Trustee may execute any of the trusts or powers hereunder or
 perform any duties hereunder either directly or by or through agents or
attorneys or a custodian.                                             

  Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The
recitals contained herein and in the Certificates (other than the signature and 
countersignature of the Trustee on the Certificates) shall be taken as the      
statements of the Company, and the Trustee assumes no responsibility for the    
correctness of the same. The Trustee makes no representations as to the validity
or sufficiency of this Agreement or of the Certificates (other than the         
signature and countersignature of the Trustee on the Certificates) or of any    
Mortgage Loan or related document. The Trustee shall not be accountable for the 
use or application by the Company of any of the Certificates or of the proceeds 
of such Certificates, or for the use or application of any funds paid to the    
Company in respect of the Mortgage Loans or deposited in or withdrawn from the  
Certificate Account by the Company.                                             

   Section 8.04. Trustee May Own Certificates. The Trustee in its individual
or any other capacity may become the owner or pledgee of Certificates with the  
same rights as it would have if it were not Trustee.                            

   Section 8.05. The Company to Pay Trustee's Fees and Expenses. The Company
covenants and agrees to pay to the Trustee from time to time, and the Trustee   
shall be entitled to, reasonable compensation (which shall not be limited by any
provision of law in regard to the compensation of a trustee of an express trust)
for all services rendered by it in the execution of the trusts hereby created   
and in the exercise and performance of any of the powers and duties hereunder of
the Trustee, and the Company will pay or reimburse the Trustee upon its request 
for all reasonable expenses, disbursements and advances (including any Monthly  
Advances of the Trustee not previously reimbursed thereto pursuant to Section   
3.04) incurred or made by the Trustee in accordance with any of the provisions  
of this Agreement (including the reasonable compensation and the expenses and   
disbursements of its counsel and of all persons not regularly in its employ)    
except any such expense, disbursement or advance as may arise from its          
negligence or bad faith or which is the responsibility of Certificateholders    
hereunder. In addition, the Company covenants and agrees to indemnify the       
Trustee from, and hold it harmless against, any and all losses, liabilities,    
damages, claims or expenses other than those resulting from the negligence or   
bad faith of the Trustee. From time to time, the Trustee may request that the   
Company debit the Mortgage Loan Payment Record pursuant to Section 3.04 to      
reimburse the Trustee for any Monthly Advances and Nonrecoverable Advances.     

   Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder
shall at all times be a corporation having its principal office either in the   
State of New York or in the same state as that in which the initial Trustee     
under this Agreement has its principal office and organized and doing business  
under the laws of such State or the United States of America, authorized under  
such laws to exercise corporate trust powers, having a combined capital and     
surplus of at least $50,000,000 and subject to supervision or examination by    
federal or state authority. If such corporation publishes reports of condition  
at least annually, pursuant to law or to the requirements of the aforesaid      
supervising or examining authority, then for the purposes of this Section 8.06, 
the combined capital and surplus of such corporation shall be deemed to be its  
combined capital and surplus as set forth in its most recent report of condition
so published. The Trustee shall not be an affiliate of the Company. In case at  
any time the Trustee shall cease to be eligible in accordance with the          
provisions of this Section 8.06, the Trustee shall resign immediately in the    
manner and with the effect specified in Section 8.07.                           

 Section 8.07. Resignation or Removal of Trustee. The Trustee may at any
time resign and be discharged from the trusts hereby created by giving written  
notice thereof to the Company. Upon receiving such notice of resignation, the   
Company shall promptly appoint a successor Trustee by written instrument, in    
duplicate, one copy of which instrument shall be delivered to the resigning     
Trustee and one copy to the successor Trustee. If no successor Trustee shall    
have been so appointed and having accepted appointment within 30 days after the 
giving of such notice of resignation, the resigning Trustee may petition any    
court of competent jurisdiction for the appointment of a successor Trustee.     

    If the conditions in any of the following clauses (i), (ii) or (iii) shall
occur at any time, the Company may remove the Trustee: (i) the Trustee shall    
cease to be eligible in accordance with the provisions of Section 8.06 and shall
fail to resign after written request therefor by the Company; (ii) the Trustee  
shall be legally unable to act, or shall be adjudged a bankrupt or insolvent, or
a receiver of the Trustee or of its property shall be appointed, or any public  
officer shall take charge or control of the Trustee or of its property or       
affairs for the purpose of rehabilitation, conservation or liquidation; or (iii)
the replacement of the Trustee with a successor Trustee will enable the Company 
to avoid (and should, based on the information included in the notice referred  
to below, result in the avoidance of) a downgrading of the ratings assigned to  
the Certificates by the Rating Agencies (whether or not other actions could     
avoid such downgrading) and no Event of Default, as provided by Section 7.01    
hereof, shall have occurred or be continuing; provided, however, that no action 
shall be taken pursuant to this clause (iii) unless reasonable notice shall have
been provided to the Trustee, which notice shall set forth the basis for any    
rating downgrade as contemplated by the Rating Agencies and shall also indicate 
the manner in which such proposed action is intended to avoid such downgrade. If
it removes the Trustee under the authority of the immediately preceding         
sentence, the Company shall promptly appoint a successor trustee by written     
instrument, in duplicate, one copy of which instrument shall be delivered to the
Trustee so removed and one copy to the successor trustee.                       

  Any resignation or removal of the Trustee and appointment of a successor
Trustee pursuant to any of the provisions of this Section 8.07 shall not become 
effective until acceptance of appointment by the successor Trustee as provided  
in Section 8.08.                                                                

Section 8.08. Successor Trustee. Any successor Trustee appointed as   
provided in Section 8.07 shall execute, acknowledge and deliver to the Company  
and to its predecessor Trustee an instrument accepting such appointment         
hereunder, and thereupon the resignation or removal of the predecessor Trustee  
shall become effective and such successor Trustee, without any further act, deed
or conveyance, shall become fully vested with all the rights, powers, duties and
obligations of its predecessor hereunder, with like effect as if originally     
named as Trustee. The predecessor Trustee shall deliver to the successor Trustee
all Mortgage Files and related documents and statements held by it hereunder;   
and the Company and the predecessor Trustee shall execute and deliver such      
instruments and do such other things as may reasonably be required for fully and
certainly vesting and confirming in the successor Trustee all such rights,      
powers, duties and obligations.                                                 

   No successor Trustee shall accept appointment as provided in this Section
8.08 unless at the time of such acceptance such successor Trustee shall be      
eligible under the provisions of Section 8.06.                                  

   Upon acceptance of appointment by a successor Trustee as provided in this
Section 8.08, the Company shall mail notice of the succession of such Trustee   
hereunder to all holders of Certificates at their addresses as shown in the     
Certificate Register. If the Company fails to mail such notice within 10 days   
after acceptance of appointment by the successor Trustee, the successor Trustee 
shall cause such notice to be mailed at the expense of the Company.             

Section 8.09. Merger or Consolidation of Trustee. Any corporation into
which the Trustee may be merged or converted or with which it may be            
consolidated, or any corporation resulting from any merger, conversion or       
consolidation to which the Trustee shall be a party, or any corporation         
succeeding to the corporate trust business of the Trustee, shall be the         
successor of the Trustee hereunder, provided that such corporation shall be     
eligible under the provisions of Section 8.06, without the execution or filing  
of any paper or any further act on the part of any of the parties hereto,       
anything herein to the contrary notwithstanding.                                

Section 8.10. Appointment of Co-Trustee or Separate Trustee.          
Notwithstanding any other provisions of this Agreement, at any time, for the    
purpose of meeting any legal requirements of any jurisdiction in which any part 
of the Trust Fund or property securing any Mortgage Note may at the time be     
located, the Company and the Trustee acting jointly shall have the power and    
shall execute and deliver all instruments to appoint one or more Persons        
approved by the Trustee to act as co-trustee or co-trustees, jointly with the   
Trustee, of all or any part of the Trust Fund, or separate trustee or separate  
trustees of any part of the Trust Fund, and to vest in such Person or Persons,  
in such capacity and for the benefit of the Certificateholders, such title to   
the Trust Fund, or any part thereof, and, subject to the other provisions of    
this Section 8.10, such powers, duties, obligations, rights and trusts as the   
Company and the Trustee may consider necessary or desirable. If the Company     
shall not have joined in such appointment within 15 days after the receipt by it
of a request so to do, or in case an Event of Default shall have occurred and be
continuing, the Trustee alone shall have the power to make such appointment. No 
co-trustee or separate trustee hereunder shall be required to meet the terms of 
eligibility as a successor trustee under Section 8.06 and no notice to          
Certificateholders of the appointment of any co-trustee or separate trustee     
shall be required under Section 8.08.                                           

 Every separate trustee and co-trustee shall, to the extent permitted by
law, be appointed and act subject to the following provisions and conditions:   

       (i) All rights, powers, duties and obligations conferred or imposed
upon the Trustee shall be conferred or imposed upon and exercised or  
  performed by the Trustee and such separate trustee or co-trustee jointly
(it being understood that such separate trustee or co-trustee is not  
authorized to act separately without the Trustee joining in such act),
  except to the extent that under any law of any jurisdiction in which any
     particular act or acts are to be performed (whether as Trustee hereunder or
     as successor to the Company hereunder), the Trustee shall be incompetent or
unqualified to perform such act or acts, in which event such rights,  
     powers, duties and obligations (including the holding of title to the Trust
  Fund or any portion thereof in any such jurisdiction) shall be exercised
    and performed singly by such separate trustee or co-trustee, but solely at
the direction of the Trustee;                                         

          (ii) No trustee hereunder shall be held personally liable by reason of
any act or omission of any other trustee hereunder; and               

    (iii) The Company and the Trustee acting jointly may at any time
 accept the resignation of or remove any separate trustee or co-trustee.

   Any notice, request or other writing given to the Trustee shall be deemed
to have been given to each of the then separate trustees and co-trustees, as    
effectively as if given to each of them. Every instrument appointing any        
separate trustee or co-trustee shall refer to this Agreement and the conditions 
of this Article VIII. Each separate trustee and co-trustee, upon its acceptance 
of the trusts conferred, shall be vested with the estates or property specified 
in its instrument of appointment, either jointly with the Trustee or separately,
as may be provided therein, subject to all the provisions of this Agreement,    
specifically including every provision of this Agreement relating to the conduct
of, affecting the liability of, or affording protection to, the Trustee. Every  
such instrument shall be filed with the Trustee and a copy thereof given to the 
Company.                                                                        

Any separate trustee or co-trustee may, at any time, constitute the   
Trustee, its agent or attorney-in-fact, with full power and authority, to the   
extent not prohibited by law, to do any lawful act under or in respect of this  
Agreement on its behalf and in its name. If any separate trustee or co-trustee  
shall die, become incapable of acting, resign or be removed, all of its estates,
properties, rights, remedies and trusts shall vest in and be exercised by the   
Trustee, to the extent permitted by law, without the appointment of a new or    
successor trustee.                                                              

  Section 8.11. Compliance with REMIC Provisions; Tax Returns. The Trustee
shall at all times act in such a manner in the performance of its duties        
hereunder as shall be necessary to prevent the Trust Fund from failing to       
qualify as a REMIC and to prevent the imposition of a tax on the Trust Fund or  
the REMIC established hereunder. The Trustee, upon request, will furnish the    
Company with all such information within its possession as may be reasonably    
required in connection with the preparation of all tax returns of the Trust Fund
and any Reserve Fund, and shall, upon request, execute such returns.            

ARTICLE IX

 TERMINATION

    Section 9.01. Termination upon Repurchase by the Company or Liquidation of
All Mortgage Loans. Subject to Section 9.02, the respective obligations and     
responsibilities of the Company and the Trustee created hereby (other than the  
obligation of the Trustee to make certain payments to Certificateholders after  
the final Distribution Date and the obligation of the Trustee to send certain   
notices as hereinafter set forth) shall terminate upon the last action required 
to be taken by the Trustee on the final Distribution Date pursuant to this      
Article IX following the earlier of (a) the repurchase by the Company of all    
Mortgage Loans and all REO Mortgage Loans remaining in the Trust Fund at a price
equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage   
Loan (other than any REO Mortgage Loans described in the following clause) as of
the first day of the month in which such purchase price is to be distributed to 
Certificateholders plus accrued and unpaid interest thereon at the applicable   
Net Mortgage Rate (less any amounts constituting previously unreimbursed Monthly
Advances) to the first day of the month in which such purchase price is to be   
distributed to Certificateholders and (y) the appraised value of any REO        
Mortgage Loan (less the good faith estimate of the Company of Liquidation       
Expenses to be incurred in connection with its disposal thereof), such appraisal
to be conducted by an appraiser mutually agreed upon by the Company and the     
Trustee, and (b) the later of the final payment or other liquidation (or any    
Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the
Trust Fund or the disposition of all property acquired upon foreclosure or by   
deed in lieu of foreclosure of any Mortgage Loan; provided, however, that in no 
event shall the Trust Fund created hereby continue beyond the expiration of 21  
years from the death of the last survivor of the descendants of Joseph P.       
Kennedy, the late ambassador of the United States of America to the Court of St.
James's, living on the date of this Agreement. The right of the Company to      
repurchase all Mortgage Loans pursuant to clause (a) above shall be conditioned 
upon the aggregate of the Scheduled Principal Balance of the Outstanding        
Mortgage Loans, at the time of any such repurchase, aggregating less than 10    
percent of the aggregate of the Scheduled Principal Balance of the Mortgage     
Loans as of the Cut-off Date.                                                   

    Notice of any termination, specifying the Distribution Date upon which the
Certificateholders may surrender their Certificates to the Trustee for payment  
of the final distribution and cancellation, shall be given promptly by the      
Trustee by letter to Certificateholders mailed not earlier than the 15th day and
not later than the 25th day of the month next preceding the month of such final 
distribution specifying (A) the Distribution Date upon which final payment of   
the Certificates will be made upon presentation and surrender of the            
Certificates at the office of the Trustee therein designated, (B) the amount of 
any such final payment and (C) that the Record Date otherwise applicable to such
Distribution Date is not applicable, payments being made only upon presentation 
and surrender of the Certificates at the office of the Trustee therein          
specified. The Trustee shall give such notice to the Certificate Registrar at   
the time such notice is given to Certificateholders. In the event such notice is
given in connection with the exercise by the Company of its right of repurchase,
the Company shall deposit in the Certificate Account not later than 11:00 a.m.  
on the Business Day prior to the final Distribution Date in next-day funds an   
amount equal to the price described above. Upon presentation and surrender of   
the Certificates, the Trustee shall cause to be distributed to                  
Certificateholders an amount equal to the price calculated as above provided,   
any such repurchase being in lieu of the distribution otherwise required to be  
made on the Distribution Date upon which the repurchase is effected. Upon       
certification to the Trustee by a Servicing Officer following such final        
deposit, the Trustee shall promptly release to the Company the Mortgage Files   
for the repurchased Mortgage Loans.                                             

 On the final Distribution Date, the Trustee shall distribute amounts on
deposit in the Certificate Account and, if applicable, in any Rounding Account, 
in accordance with the applicable priorities and uses provided by Sections 4.01 
and 4.10. Distributions on each Certificate shall be made on the final          
Distribution Date in the manner specified in Section 4.02 but only upon         
presentation and surrender of the Certificates.                                 

   In the event that all of the Certificateholders shall not surrender their
Certificates for cancellation within six months after the date specified in the 
above-mentioned written notice, the Trustee shall give a second written notice  
to the remaining Certificateholders to surrender their Certificates for         
cancellation and receive the final distribution with respect thereto. If within 
one year after the second notice all the Certificates shall not have been       
surrendered for cancellation, the Trustee may take appropriate steps, or may    
appoint an agent to take appropriate steps, to contact the remaining            
Certificateholders concerning surrender of their Certificates, and the cost     
thereof shall be paid out of the funds and other assets which remain subject    
hereto.                                                                         

 Section 9.02. Additional Termination Requirements. (a) In the event the
Company exercises its purchase option as provided in Section 9.01, the Trust    
Fund and the REMIC established hereunder shall be terminated in accordance with 
the following additional requirements, unless the Trustee has been supplied with
an Opinion of Counsel to the effect that the failure to comply with the         
requirements of this Section 9.02 will not (i) result in the imposition of taxes
on "prohibited transactions" of such REMIC as defined in section 860F of the    
Code, or (ii) cause the Trust Fund to fail to qualify as a REMIC at any time    
that any Certificates are outstanding:                                          

        (i) Within 90 days prior to the final Distribution Date set forth in
the notice given by the Trustee under Section 9.01, the Company shall 
prepare and the Trustee shall execute and adopt a plan of complete    
   liquidation for such REMIC within the meaning of section 860F(a)(4)(A)(i)
of the Code, which shall be evidenced by such notice; and             

    (ii) Within 90 days after the time of adoption of such a plan of
     complete liquidation, the Trustee shall sell all of the assets of the Trust
Fund to the Company for cash in accordance with Section 9.01.         

   (b) By their acceptance of the Residual Certificates, the Holders thereof
hereby authorize the Trustee to adopt such a plan of complete liquidation which 
authorization shall be binding on all successor Holders of the Residual         
Certificates.                                                                   

(c) On the final federal income tax return for the REMIC established  
hereunder, the Trustee will attach a statement specifying the date of the       
adoption of the plan of liquidation.                                            

 ARTICLE X

MISCELLANEOUS PROVISIONS

   Section 10.01. Amendment. This Agreement may be amended from time to time
by the Company and the Trustee, without the consent of any of the               
Certificateholders, to cure any ambiguity, to correct or supplement any         
provisions herein or therein which may be defective or inconsistent with any    
other provisions herein, or to surrender any right or power herein conferred    
upon the Company, or to add any other provisions with respect to matters or     
questions arising under this Agreement, which shall not be materially           
inconsistent with the provisions of this Agreement; provided, however, that such
action shall not, as evidenced by an Opinion of Counsel, adversely affect in any
material respect the interests of any Certificateholder. Notwithstanding the    
foregoing, without the consent of the Certificateholders, the Trustee and the   
Company may at any time and from time to time amend this Agreement to modify,   
eliminate or add to any of its provisions to such extent as shall be necessary  
or appropriate to maintain the qualification of the Trust Fund as a REMIC under 
the Code or to avoid or minimize the risk of the imposition of any tax on the   
Trust Fund pursuant to the Code that would be a claim against the Trust Fund at 
any time prior to the final redemption of the Certificates, provided that the   
Trustee has obtained an opinion of independent counsel (which opinion also shall
be addressed to the Company) to the effect that such action is necessary or     
appropriate to maintain such qualification or to avoid or minimize the risk of  
the imposition of such a tax.                                                   

     This Agreement may also be amended from time to time by the Company and the
Trustee with the consent of Holders of Certificates evidencing (i) not less than
66% of the Voting Rights of all the Certificates or (ii) Percentage Interests   
aggregating not less than 66% of each Class affected by such amendment, for the 
purpose of adding any provisions to or changing in any manner or eliminating any
of the provisions of this Agreement, or of modifying in any manner the rights of
the Holders of Certificates; provided, however, that no such amendment shall (a)
reduce in any manner the amount of, or delay the timing of, collections of      
payments on the Mortgage Loans or distributions which are required to be made on
any Certificate without the consent of the Holder of such Certificate, (b)      
adversely affect in any material respects the interests of the Holders of any   
Class of Certificates in any manner other than as described in (a), without the 
consent of the Holders of Certificates evidencing Percentage Interests          
aggregating not less than 66% of such Class, or (c) reduce the aforesaid        
percentages of Certificates of any Class required to consent to any such        
amendment, without the consent of the Holders of all Certificates of such Class 
then outstanding. For purposes of this paragraph, references to "Holder" or     
"Holders" shall be deemed to include, in the case of any Class of Book-Entry    
Certificates, the related Certificate Owners.                                   

     Notwithstanding any contrary provision of this Agreement, the Trustee shall
not consent to any amendment to this Agreement unless it shall have first       
received an Opinion of Counsel to the effect that such amendment will not       
subject the Trust Fund to tax or cause the Trust Fund to fail to qualify as a   
REMIC at any time that any Certificates are outstanding.                        

   Promptly after the execution of any such amendment or consent the Trustee
shall furnish written notification of the substance of such amendment to each   
Certificateholder.                                                              

    It shall not be necessary for the consent of Certificateholders under this
Section 10.01 to approve the particular form of any proposed amendment, but it  
shall be sufficient if such consent shall approve the substance thereof. The    
manner of obtaining such consents and of evidencing the authorization of the    
execution thereof by Certificateholders shall be subject to such reasonable     
requirements as the Trustee may prescribe.                                      

Section 10.02. Recordation of Agreement. This Agreement is subject to 
recordation in all appropriate public offices for real property records in all  
the counties or other comparable jurisdictions in which any or all of the       
properties subject to the Mortgages are situated, and in any other appropriate  
public recording office or elsewhere, such recordation to be effected by the    
Company and at its expense on direction by the Trustee, but only upon direction 
of the Trustee accompanied by an Opinion of Counsel to the effect that such     
recordation materially and beneficially affects the interests of                
Certificateholders.                                                             

     For the purpose of facilitating the recordation of this Agreement as herein
provided and for other purposes, this Agreement may be executed simultaneously  
in any number of counterparts, each of which counterparts shall be deemed to be 
an original, and such counterparts shall constitute but one and the same        
instrument.                                                                     

 Section 10.03. Limitation on Rights of Certificateholders. The death or
incapacity of any Certificateholder shall not operate to terminate this         
Agreement or the Trust Fund, nor entitle such Certificateholder's legal         
representatives or heirs to claim an accounting or to take any action or        
commence any proceeding in any court for a partition or winding up of the Trust 
Fund, nor otherwise affect the rights, obligations and liabilities of the       
parties hereto or any of them.                                                  

  No Certificateholder shall have any right to vote (except as provided in
Section 10.01) or in any manner otherwise control the operation and management  
of the Trust Fund, or the obligations of the parties hereto, nor shall anything 
herein set forth, or contained in the terms of the Certificates, be construed so
as to constitute the Certificateholders from time to time as partners or members
of an association; nor shall any Certificateholder be under any liability to any
third person by reason of any action taken by the parties to this Agreement     
pursuant to any provision hereof.                                               

   No Certificateholder shall have any right by virtue or by availing itself
of any provisions of this Agreement to institute any suit, action or proceeding 
in equity or at law upon or under or with respect to this Agreement, unless such
Holder previously shall have given to the Trustee a written notice of default   
and of the continuance thereof, as hereinbefore provided, and unless also the   
Holders of Certificates of each Class affected thereby evidencing, as to each   
such Class, Percentage Interests aggregating not less than 25% shall have made  
written request upon the Trustee to institute such action, suit or proceeding in
its own name as Trustee hereunder and shall have offered to the Trustee such    
reasonable indemnity as it may require against the costs, expenses and          
liabilities to be incurred therein or thereby, and the Trustee, for 60 days     
after its receipt of such notice, request and offer of indemnity, shall have    
neglected or refused to institute any such action, suit or proceeding; it being 
understood and intended, and being expressly covenanted by each                 
Certificateholder with every other Certificateholder and the Trustee, that no   
one or more Holders of Certificates shall have any right in any manner whatever 
by virtue or by availing itself or themselves of any provisions of this         
Agreement to affect, disturb or prejudice the rights of the Holders of any other
of the Certificates, or to obtain or seek to obtain priority over or preference 
to any other such Holder, or to enforce any right under this Agreement, except  
in the manner herein provided and for the equal, ratable and common benefit of  
all Certificateholders. For the protection and enforcement of the provisions of 
this Section 10.03, each and every Certificateholder and the Trustee shall be   
entitled to such relief as can be given either at law or in equity.             

Section 10.04. Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN    
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS   
AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH    
SUCH LAWS.                                                                      

   Section 10.05. Notices. All demands, notices and communications hereunder
shall be in writing and shall be deemed to have been duly given if personally   
delivered at or mailed by certified mail, return receipt requested, (a) in the  
case of the Company, to GE Capital Mortgage Services, Inc., 3 Executive Campus, 
Cherry Hill, New Jersey 08002, Attention: General Counsel, (b) in the case of   
the Trustee, to State Street Bank and Trust Company, Corporate Trust Department,
225 Franklin Street, Boston, Massachusetts 02110, (c) in the case of Fitch, to  
Fitch IBCA, Inc., One State Street Plaza, New York, New York 10004, Attention:  
Structured Finance Surveillance, and (d) in the case of S&P, Standard and Poor's
Ratings Services, 26 Broadway, 10th Floor, New York, New York 10004, Attention: 
Residential Mortgage Surveillance, or, as to each such Person, at such other    
address as shall be designated by such Person in a written notice to each other 
named Person. Any notice required or permitted to be mailed to a                
Certificateholder shall be given by first class mail, postage prepaid, at the   
address of such Holder as shown in the Certificate Register. Any notice so      
mailed within the time prescribed in this Agreement shall be conclusively       
presumed to have been duly given, whether or not the Certificateholder receives 
such notice.                                                                    

  Section 10.06. Notices to the Rating Agencies. The Company shall deliver
written notice of the following events to each Rating Agency promptly following 
the occurrence thereof: material amendment to this Agreement; any Event of      
Default; any Trigger Event; change in or termination of the Trustee; removal of 
the Company or any successor servicer as servicer; repurchase or replacement of 
any Defective Mortgage Loan pursuant to Section 2.03; and final payment to      
Certificateholders. In addition, the Company shall deliver copies of the        
following documents to each Rating Agency at the time such documents are        
required to be delivered pursuant to this Agreement: monthly statements to      
Certificateholders pursuant to Section 4.05, annual report of independent       
accountants pursuant to Section 3.13 and annual servicer compliance report      
pursuant to Section 3.12. Notwithstanding the foregoing, the failure to deliver 
such notices or copies shall not constitute an Event of Default under this      
Agreement.                                                                      

Section 10.07. Severability of Provisions. If any one or more of the  
covenants, agreements, provisions or terms of this Agreement shall be for any   
reason whatsoever held invalid, then to the extent permitted by law such        
covenants, agreements, provisions or terms shall be deemed severable from the   
remaining covenants, agreements, provisions or terms of this Agreement and shall
in no way affect the validity or enforceability of the other provisions of this 
Agreement or of the Certificates or the rights of the Holders thereof.          

Section 10.08. Certificates Nonassessable and Fully Paid. It is the   
intention of the Trustee that Certificateholders shall not be personally liable 
for obligations of the Trust Fund, that the beneficial ownership interests      
represented by the Certificates shall be nonassessable for any losses or        
expenses of the Trust Fund or for any reason whatsoever, and that Certificates  
upon execution, countersignature and delivery thereof by the Trustee are and    
shall be deemed fully paid.                                                     

 * * *

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    IN WITNESS WHEREOF, the Company and the Trustee have caused this Agreement
to be duly executed by their respective officers and their respective seals,    
duly attested, to be hereunto affixed, all as of the day and year first above   
written.                                                                        

                                  GE CAPITAL MORTGAGE SERVICES, INC.

                                  By:  _____________________________
               Name:
                Title:

[SEAL]                                                                          

Attest:                                                                         

By:  _________________________                                                  
Name:                                                                 
Title:                                                                

                     STATE STREET BANK AND
                  TRUST COMPANY,
              as Trustee

                                  By:  _____________________________
               Name:
                Title:

[SEAL]                                                                          

Attest:                                                                         

By:  _________________________                                                  
Name:                                                                 
Title:                                                                

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State of New Jersey      )                                                      
) ss.:                        
County of Camden         )                                                      

     On the day of June, 1999 before me, a notary public in and for the State of
New Jersey, personally appeared _____________________________, known to me who, 
being by me duly sworn, did depose and say that he/she resides at               
___________________________; that he/she is a(n) _________________________ of GE
Capital Mortgage Services, Inc., a corporation formed under the laws of the     
State of New Jersey, one of the parties that executed the foregoing instrument; 
that he/she knows the seal of said corporation; that the seal affixed to said   
instrument is such corporate seal; that it was so affixed by order of the Board 
of Directors of said corporation; and that he/she signed his/her name thereto by
like order.                                                                     

                                  __________________________________
                                 Notary Public

[Notarial Seal]                                                                 

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The Commonwealth of Massachusetts  )                                            
) ss.:    
County of Suffolk                  )                                            

On the day of June, 1999 before me, a notary public in and for the    
Commonwealth of Massachusetts, personally appeared ____________________, known  
to me who, being by me duly sworn, did depose and say that he/she resides at    
__________________                                                              
_____________________________________________________________; that he/she is   
a(n) __________________________________ of State Street Bank and Trust Company, 
one of the parties that executed the foregoing instrument; that he/she knows the
seal of said Bank; that the seal affixed to said instrument is such corporate   
seal; that it was so affixed by order of the Board of Directors of said Bank;   
and that he/she signed his/her name thereto by order of the Board of Directors  
of said Bank.                                                                   

                                  ----------------------------------
                                 Notary Public

[Notarial Seal]                                                               

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 EXHIBIT A

 FORMS OF CERTIFICATES

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A1 Certificate   
                                    Principal Balance:
Class A1                                         $40,926,000                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2R5               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A1 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

   Distributions on this Certificate will be made by the Trustee by check or
money order mailed to the Person entitled thereto at the address appearing in   
the Certificate Register or, upon written request by the Certificateholder, by  
such other means of payment as such Person and the Trustee shall agree. Except  
as otherwise provided in the Agreement, the final distribution on this          
Certificate will be made in the applicable manner described above, after due    
notice by the Trustee of the pendency of such distribution and only upon        
presentation and surrender of this Certificate at the office or agency          
maintained for that purpose by the Trustee in New York, New York.               

This Certificate is one of a duly authorized issue of Certificates    
designated as REMIC Mortgage Pass-Through Certificates, Series 1999-13, issued  
in twenty-six Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class  
A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13,   
Class A14, Class A15, Class A16, Class A17, Class R, Class PO, Class S, Class M,
Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the          
"Certificates").                                                                

     The Certificates are limited in right of payment to certain payments on and
collections in respect of the Mortgage Loans, all as more specifically set forth
in the Agreement. The Certificateholder, by its acceptance of this Certificate, 
agrees that it will look solely to the funds on deposit in the Certificate      
Account for payment hereunder and that the Trustee in its individual capacity is
not personally liable to the Certificateholders for any amount payable under    
this Certificate or the Agreement or, except as expressly provided in the       
Agreement, subject to any liability under the Agreement.                        

    As provided in the Agreement and with certain exceptions therein provided,
certain losses on the Mortgage Loans resulting from defaults by Mortgagors will 
be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4  
and Class B5 Certificates before such losses will be borne by the Holders of the
other Classes of the Certificates.                                              

    This Certificate does not purport to summarize the Agreement and reference
is made to the Agreement for the interests, rights and limitations of rights,   
benefits, obligations and duties evidenced hereby, and the rights, duties and   
immunities of the Trustee.                                                      

The Agreement permits, with certain exceptions therein provided, the  
amendment thereof and the modification of the rights and obligations of the     
Company and the rights of the Certificateholders under the Agreement at any time
by the Company and the Trustee with the consent of the Holders of Certificates  
evidencing not less than 66% of all the Voting Rights as defined in the         
Agreement. Any such consent by the Holder of this Certificate shall be          
conclusive and binding on such Holder and upon all future Holders of this       
Certificate and of any Certificate issued upon the transfer hereof or in        
exchange herefor or in lieu hereof whether or not notation of such consent is   
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the 
Certificates.                                                                   

     No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class
B5 Certificate which is in the form of a Definitive Certificate shall be made to
any Person unless the Trustee has received (i) a certificate from such          
transferee to the effect that such transferee (x) is not an employee benefit    
plan subject to the Employee Retirement Income Security Act of 1974, as amended 
("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of     
1986, as amended ("Section 4975") (a "Plan") or a Person that is using the      
assets of a Plan to acquire such Certificate or (y) is an insurance company     
investing assets of its general account and the exemption provided by Section   
III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed.   
Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's       
acquisition and holding of such Certificate, or (ii) an opinion of counsel      
satisfactory to the Trustee, which opinion shall not be an expense of the       
Trustee or the Company, to the effect that the purchase and holding of such     
Certificate will not constitute or result in the assets of the Trust Fund being 
deemed to be "plan assets" and subject to the prohibited transaction provisions 
of ERISA or Section 4975 and will not subject the Trustee or the Company to any 
obligation in addition to those undertaken in the Agreement; provided, however, 
that the Trustee will not require such certificate or opinion in the event that,
as a result of a change of law or otherwise, counsel satisfactory to the Trustee
has rendered an opinion to the effect that the purchase and holding of a Class  
M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a
Person that is purchasing or holding such Certificate with the assets of a Plan 
will not constitute or result in a prohibited transaction under ERISA or Section
4975.                                                                           

   No transfer of any Class R Certificate shall be made to any Person unless
the Trustee has received a certificate from such transferee to the effect that, 
among other things, such transferee (x) is not an employee benefit plan subject 
to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any
such Class R Certificate or (y) is an insurance company investing assets of its 
general account and the Exemption applies to such transferee's acquisition and  
holding of any such Class R Certificate.                                        

  As provided in the Agreement, and subject to certain limitations therein
set forth, the transfer of this Certificate is registerable in the Certificate  
Register of the Trustee upon surrender of this Certificate for registration of  
transfer at the office or agency maintained by the Trustee in the city in which 
the Corporate Trust Office of the Trustee is located or in the City of New York,
accompanied by a written instrument of transfer in form satisfactory to the     
Company, the Trustee, and the Certificate Registrar duly executed by the Holder 
hereof or such Holder's attorney duly authorized in writing, and thereupon one  
or more new Certificates of the same Class of authorized denominations          
evidencing the same aggregate Percentage Interest will be issued to the         
designated transferee or transferees.                                           

The Certificates are issuable only as registered Certificates without 
coupons in denominations specified in the Agreement. As provided in the         
Agreement and subject to certain limitations therein set forth, Certificates are
exchangeable for new Certificates of the same Class of authorized denominations 
evidencing the same aggregate Percentage Interest as requested by the Holder    
surrendering the same.                                                          

 No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any  
tax or other governmental charge payable in connection therewith.               

   The Trustee and the Certificate Registrar and any agent of the Trustee or
the Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Trustee, the   
Certificate Registrar nor any such agent shall be affected by any notice to the 
contrary.                                                                       

The obligations and responsibilities created by the Agreement, and the
Trust Fund created thereby shall terminate upon payment to the                  
Certificateholders, or provision therefor, in accordance with the Agreement     
following the earlier of (a) the repurchase by the Company of all Mortgage Loans
and all property acquired in respect of any Mortgage Loan remaining in the Trust
Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of 
each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus    
accrued and unpaid interest thereon at the rate provided for in the Agreement   
(less any amounts representing previously unreimbursed Monthly Advances) and (y)
the appraised value of any property acquired in respect of a Mortgage Loan      
determined as provided in the Agreement, and (b) the later of the final payment 
or other liquidation (or any Monthly Advance with respect thereto) of the last  
Mortgage Loan remaining in the Trust Fund and the disposition of all property   
acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage     
Loan. The right of the Company to repurchase all the Mortgage Loans and property
in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance 
at the time of repurchase being less than 10 percent of the Pool Scheduled      
Principal Balance as of the Cut-off Date. The Company's exercise of such right  
will result in early retirement of the Certificates.                            

  Unless this Certificate has been countersigned by the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit under the      
Agreement or be valid for any purpose.                                          

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IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed under its official seal.                                               

                           STATE STREET BANK AND TRUST
                              COMPANY, not in its individual
                              capacity but solely as Trustee

(SEAL)                                                                          

                              By:  _________________________
               Name:
                Title:

Countersigned:                                                                  

By   _________________________                                                  

Authorized Signatory of                                                         
STATE STREET BANK AND TRUST COMPANY,                                            
not in its individual capacity but                                              
solely as Trustee                                                               

Dated:    __________                                                            

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ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and      
transfer(s) unto                                                                

Please insert social security                                                   
or other identifying number of assignee                                   

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
 (Please print or typewrite name and address

including postal zip code of assignee)

--------------------------------------------------------------------------------

this Certificate evidencing a Percentage Interest in certain distributions with 
respect to the Trust Fund and hereby authorizes the transfer of registration of 
such interest to assignee on the Certificate Register of said Trust Fund.       

    I (we) further direct the Certificate Registrar to issue a new Certificate
of like Class and Percentage Interest, to the above named assignee and deliver  
such Certificate to the following address:                                      

Dated: _____________                                                            

_____________________________________                                           
Signature by or on behalf of assignor                                           

______________________                                                          
*Signature Guaranteed*                                                          

*The signature hereon must be guaranteed by a bank, trust company or broker of  
the signatory who is a member of a signature guarantee medallion program.       

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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A2 Certificate   
                                    Principal Balance:
Class A2                                         $14,475,476                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: variable                         Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2S3               
July 26, 1999                                                                   

EX-4.1
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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A2 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A3 Certificate   
                                    Principal Balance:
Class A3                                         $47,710,557                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2T1               
July 26, 1999                                                                   

EX-4.1
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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A3 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A4 Certificate   
                                    Principal Balance:
Class A4                                         $4,053,134                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: variable                         Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2U8               
July 26, 1999                                                                   

EX-4.1
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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A4 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A5 Certificate   
                                    Principal Balance:
Class A5                                         $2,551,890                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2V6               
July 26, 1999                                                                   

EX-4.1
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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A5 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A6 Certificate   
                                    Principal Balance:
Class A6                                         $4,712,416                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2W4               
July 26, 1999                                                                   

EX-4.1
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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A6 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A7 Certificate   
                                    Principal Balance:
Class A7                                         $2,000,000                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2X2               
July 26, 1999                                                                   

EX-4.1
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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A7 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A8 Certificate   
                                    Principal Balance:
Class A8                                         $29,000,000                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2Y0               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A8 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A9 Certificate   
                                    Principal Balance:
Class A9                                         $138,655,000                   

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R2Z7               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A9 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A10 Certificate  
                                    Principal Balance:
Class A10                                        $29,000,000                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.75%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3A1               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A10 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A11 Certificate  
                                    Principal Balance:
Class A11                                        $100,000,000                   

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP:36157R3B9                
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A11 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

EX-4.1
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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A12 Certificate  
                                    Principal Balance:
Class A12                                        $20,707,000                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3C7               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A12 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A13 Certificate  
                                    Principal Balance:
Class A13                                        $3,448,000                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3D5               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A13 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

EX-4.1
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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A14 Certificate  
                                    Principal Balance:
Class A14                                        $676,358                       

Certificate Interest                             Initial Certificate Principal  
Rate per annum:                                  Balance of this Certificate:   
non-interest bearing                             $                              

Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3E3               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A14 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A15 Certificate  
                                    Principal Balance:
Class A15                                        $4,204,000                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3F0               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A14 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A16 Certificate  
                                    Principal Balance:
Class A16                                        $1,140,642                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 7.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3G8               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A16 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class A17 Certificate  
                                    Principal Balance:
Class A17                                        $33,845,000                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.0%                             Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3H6               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
A17 Certificates, both as specified above) in certain distributions with respect
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF 
THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.   

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT 
PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED 
("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF     
1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE      
ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE   
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET    
FORTH HEREIN.                                                                   

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class M Certificate    
                                    Principal Balance:
Class M                                          $10,483,000                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3K9               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
M Certificates, both as specified above) in certain distributions with respect  
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

   Distributions on this Certificate will be made by the Trustee by check or
money order mailed to the Person entitled thereto at the address appearing in   
the Certificate Register or, upon written request by the Certificateholder, by  
such other means of payment as such Person and the Trustee shall agree. Except  
as otherwise provided in the Agreement, the final distribution on this          
Certificate will be made in the applicable manner described above, after due    
notice by the Trustee of the pendency of such distribution and only upon        
presentation and surrender of this Certificate at the office or agency          
maintained for that purpose by the Trustee in New York, New York.               

This Certificate is one of a duly authorized issue of Certificates    
designated as REMIC Mortgage Pass-Through Certificates, Series 1999-13, issued  
in twenty-six Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class  
A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13,   
Class A14, Class A15, Class A16, Class A17, Class R, Class PO, Class S, Class M,
Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the          
"Certificates").                                                                

     The Certificates are limited in right of payment to certain payments on and
collections in respect of the Mortgage Loans, all as more specifically set forth
in the Agreement. The Certificateholder, by its acceptance of this Certificate, 
agrees that it will look solely to the funds on deposit in the Certificate      
Account for payment hereunder and that the Trustee in its individual capacity is
not personally liable to the Certificateholders for any amount payable under    
this Certificate or the Agreement or, except as expressly provided in the       
Agreement, subject to any liability under the Agreement.                        

    As provided in the Agreement and with certain exceptions therein provided,
certain losses on the Mortgage Loans resulting from defaults by Mortgagors will 
be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4  
and Class B5 Certificates before such losses will be borne by the Holders of the
other Classes of the Certificates.                                              

    This Certificate does not purport to summarize the Agreement and reference
is made to the Agreement for the interests, rights and limitations of rights,   
benefits, obligations and duties evidenced hereby, and the rights, duties and   
immunities of the Trustee.                                                      

The Agreement permits, with certain exceptions therein provided, the  
amendment thereof and the modification of the rights and obligations of the     
Company and the rights of the Certificateholders under the Agreement at any time
by the Company and the Trustee with the consent of the Holders of Certificates  
evidencing not less than 66% of all the Voting Rights as defined in the         
Agreement. Any such consent by the Holder of this Certificate shall be          
conclusive and binding on such Holder and upon all future Holders of this       
Certificate and of any Certificate issued upon the transfer hereof or in        
exchange herefor or in lieu hereof whether or not notation of such consent is   
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the 
Certificates.                                                                   

     No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class
B5 Certificate which is in the form of a Definitive Certificate shall be made to
any Person unless the Trustee has received (i) a certificate from such          
transferee to the effect that such transferee (x) is not an employee benefit    
plan subject to the Employee Retirement Income Security Act of 1974, as amended 
("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of     
1986, as amended ("Section 4975") (a "Plan") or a Person that is using the      
assets of a Plan to acquire such Certificate or (y) is an insurance company     
investing assets of its general account and the exemption provided by Section   
III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed.   
Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's       
acquisition and holding of such Certificate, or (ii) an opinion of counsel      
satisfactory to the Trustee, which opinion shall not be an expense of the       
Trustee or the Company, to the effect that the purchase and holding of such     
Certificate will not constitute or result in the assets of the Trust Fund being 
deemed to be "plan assets" and subject to the prohibited transaction provisions 
of ERISA or Section 4975 and will not subject the Trustee or the Company to any 
obligation in addition to those undertaken in the Agreement; provided, however, 
that the Trustee will not require such certificate or opinion in the event that,
as a result of a change of law or otherwise, counsel satisfactory to the Trustee
has rendered an opinion to the effect that the purchase and holding of a Class  
M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a
Person that is purchasing or holding such Certificate with the assets of a Plan 
will not constitute or result in a prohibited transaction under ERISA or Section
4975.                                                                           

   No transfer of any Class R Certificate shall be made to any Person unless
the Trustee has received a certificate from such transferee to the effect that, 
among other things, such transferee (x) is not an employee benefit plan subject 
to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any
such Class R Certificate or (y) is an insurance company investing assets of its 
general account and the Exemption applies to such transferee's acquisition and  
holding of any such Class R Certificate.                                        

  As provided in the Agreement, and subject to certain limitations therein
set forth, the transfer of this Certificate is registerable in the Certificate  
Register of the Trustee upon surrender of this Certificate for registration of  
transfer at the office or agency maintained by the Trustee in the city in which 
the Corporate Trust Office of the Trustee is located or in the City of New York,
accompanied by a written instrument of transfer in form satisfactory to the     
Company, the Trustee, and the Certificate Registrar duly executed by the Holder 
hereof or such Holder's attorney duly authorized in writing, and thereupon one  
or more new Certificates of the same Class of authorized denominations          
evidencing the same aggregate Percentage Interest will be issued to the         
designated transferee or transferees.                                           

The Certificates are issuable only as registered Certificates without 
coupons in denominations specified in the Agreement. As provided in the         
Agreement and subject to certain limitations therein set forth, Certificates are
exchangeable for new Certificates of the same Class of authorized denominations 
evidencing the same aggregate Percentage Interest as requested by the Holder    
surrendering the same.                                                          

 No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any  
tax or other governmental charge payable in connection therewith.               

   The Trustee and the Certificate Registrar and any agent of the Trustee or
the Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Trustee, the   
Certificate Registrar nor any such agent shall be affected by any notice to the 
contrary.                                                                       

The obligations and responsibilities created by the Agreement, and the
Trust Fund created thereby shall terminate upon payment to the                  
Certificateholders, or provision therefor, in accordance with the Agreement     
following the earlier of (a) the repurchase by the Company of all Mortgage Loans
and all property acquired in respect of any Mortgage Loan remaining in the Trust
Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of 
each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus    
accrued and unpaid interest thereon at the rate provided for in the Agreement   
(less any amounts representing previously unreimbursed Monthly Advances) and (y)
the appraised value of any property acquired in respect of a Mortgage Loan      
determined as provided in the Agreement, and (b) the later of the final payment 
or other liquidation (or any Monthly Advance with respect thereto) of the last  
Mortgage Loan remaining in the Trust Fund and the disposition of all property   
acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage     
Loan. The right of the Company to repurchase all the Mortgage Loans and property
in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance 
at the time of repurchase being less than 10 percent of the Pool Scheduled      
Principal Balance as of the Cut-off Date. The Company's exercise of such right  
will result in early retirement of the Certificates.                            

  Unless this Certificate has been countersigned by the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit under the      
Agreement or be valid for any purpose.                                          

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IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed under its official seal.                                               

                           STATE STREET BANK AND TRUST
                              COMPANY, not in its individual
                              capacity but solely as Trustee

(SEAL)                                                                          

                              By:  _________________________
               Name:
                Title:

Countersigned:                                                                  

By   _________________________                                                  

Authorized Signatory of                                                         
STATE STREET BANK AND TRUST COMPANY,                                            
not in its individual capacity but                                              
solely as Trustee                                                               

Dated:______________                                                            

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ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and      
transfer(s) unto                                                                

Please insert social security                                                   
or other identifying number of assignee                                   

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
 (Please print or typewrite name and address

including postal zip code of assignee)

--------------------------------------------------------------------------------

this Certificate evidencing a Percentage Interest in certain distributions with 
respect to the Trust Fund and hereby authorizes the transfer of registration of 
such interest to assignee on the Certificate Register of said Trust Fund.       

    I (we) further direct the Certificate Registrar to issue a new Certificate
of like Class and Percentage Interest, to the above named assignee and deliver  
such Certificate to the following address:                                      

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

Dated:______________                                                            

_____________________________________                                           
Signature by or on behalf of assignor                                           

______________________                                                          
*Signature Guaranteed*                                                          

*The signature hereon must be guaranteed by a bank, trust company or broker of  
the signatory who is a member of a signature guarantee medallion program.       

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THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF 
THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.   

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT 
PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED 
("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF     
1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE      
ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE   
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET    
FORTH HEREIN.                                                                   

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class B1 Certificate   
                                    Principal Balance:
Class B1                                         $3,737,000                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3L7               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
B1 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF 
THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.   

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE     
DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT
FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED  
IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY
AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO
SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY  
TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON
IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST
HEREIN.                                                                         

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT 
PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED 
("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF     
1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE      
ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE   
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET    
FORTH HEREIN.                                                                   

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class B2 Certificate   
                                    Principal Balance:
Class B2                                         $2,242,000                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3M5               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
B2 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF 
THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.   

THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES   
ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY   
STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE   
OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM   
THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE    
MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE      
REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION       
PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN       
INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) 
OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT  
FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH 
ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY  
OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE.          

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT 
PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED 
("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF     
1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE      
ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE   
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET    
FORTH HEREIN.                                                                   

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class B3 Certificate   
                                    Principal Balance:
Class B3                                         $2,491,000                     

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3N3               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
B3 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

   Distributions on this Certificate will be made by the Trustee by check or
money order mailed to the Person entitled thereto at the address appearing in   
the Certificate Register or, upon written request by the Certificateholder, by  
such other means of payment as such Person and the Trustee shall agree. Except  
as otherwise provided in the Agreement, the final distribution on this          
Certificate will be made in the applicable manner described above, after due    
notice by the Trustee of the pendency of such distribution and only upon        
presentation and surrender of this Certificate at the office or agency          
maintained for that purpose by the Trustee in New York, New York.               

This Certificate is one of a duly authorized issue of Certificates    
designated as REMIC Mortgage Pass-Through Certificates, Series 1999-13, issued  
in twenty-six Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class  
A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13,   
Class A14, Class A15, Class A16, Class A17, Class R, Class PO, Class S, Class M,
Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the          
"Certificates").                                                                

     The Certificates are limited in right of payment to certain payments on and
collections in respect of the Mortgage Loans, all as more specifically set forth
in the Agreement. The Certificateholder, by its acceptance of this Certificate, 
agrees that it will look solely to the funds on deposit in the Certificate      
Account for payment hereunder and that the Trustee in its individual capacity is
not personally liable to the Certificateholders for any amount payable under    
this Certificate or the Agreement or, except as expressly provided in the       
Agreement, subject to any liability under the Agreement.                        

    As provided in the Agreement and with certain exceptions therein provided,
certain losses on the Mortgage Loans resulting from defaults by Mortgagors will 
be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4  
and Class B5 Certificates before such losses will be borne by the Holders of the
other Classes of the Certificates.                                              

    This Certificate does not purport to summarize the Agreement and reference
is made to the Agreement for the interests, rights and limitations of rights,   
benefits, obligations and duties evidenced hereby, and the rights, duties and   
immunities of the Trustee.                                                      

The Agreement permits, with certain exceptions therein provided, the  
amendment thereof and the modification of the rights and obligations of the     
Company and the rights of the Certificateholders under the Agreement at any time
by the Company and the Trustee with the consent of the Holders of Certificates  
evidencing not less than 66% of all the Voting Rights as defined in the         
Agreement. Any such consent by the Holder of this Certificate shall be          
conclusive and binding on such Holder and upon all future Holders of this       
Certificate and of any Certificate issued upon the transfer hereof or in        
exchange herefor or in lieu hereof whether or not notation of such consent is   
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the 
Certificates.                                                                   

     No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class
B5 Certificate which is in the form of a Definitive Certificate shall be made to
any Person unless the Trustee has received (i) a certificate from such          
transferee to the effect that such transferee (x) is not an employee benefit    
plan subject to the Employee Retirement Income Security Act of 1974, as amended 
("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of     
1986, as amended ("Section 4975") (a "Plan") or a Person that is using the      
assets of a Plan to acquire such Certificate or (y) is an insurance company     
investing assets of its general account and the exemption provided by Section   
III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed.   
Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's       
acquisition and holding of such Certificate, or (ii) an opinion of counsel      
satisfactory to the Trustee, which opinion shall not be an expense of the       
Trustee or the Company, to the effect that the purchase and holding of such     
Certificate will not constitute or result in the assets of the Trust Fund being 
deemed to be "plan assets" and subject to the prohibited transaction provisions 
of ERISA or Section 4975 and will not subject the Trustee or the Company to any 
obligation in addition to those undertaken in the Agreement; provided, however, 
that the Trustee will not require such certificate or opinion in the event that,
as a result of a change of law or otherwise, counsel satisfactory to the Trustee
has rendered an opinion to the effect that the purchase and holding of a Class  
M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a
Person that is purchasing or holding such Certificate with the assets of a Plan 
will not constitute or result in a prohibited transaction under ERISA or Section
4975.                                                                           

   No transfer of any Class R Certificate shall be made to any Person unless
the Trustee has received a certificate from such transferee to the effect that, 
among other things, such transferee (x) is not an employee benefit plan subject 
to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any
such Class R Certificate or (y) is an insurance company investing assets of its 
general account and the Exemption applies to such transferee's acquisition and  
holding of any such Class R Certificate.                                        

  As provided in the Agreement, and subject to certain limitations therein
set forth, the transfer of this Certificate is registerable in the Certificate  
Register of the Trustee upon surrender of this Certificate for registration of  
transfer at the office or agency maintained by the Trustee in the city in which 
the Corporate Trust Office of the Trustee is located or in the City of New York,
accompanied by a written instrument of transfer in form satisfactory to the     
Company, the Trustee, and the Certificate Registrar duly executed by the Holder 
hereof or such Holder's attorney duly authorized in writing, and thereupon one  
or more new Certificates of the same Class of authorized denominations          
evidencing the same aggregate Percentage Interest will be issued to the         
designated transferee or transferees.                                           

The Certificates are issuable only as registered Certificates without 
coupons in denominations specified in the Agreement. As provided in the         
Agreement and subject to certain limitations therein set forth, Certificates are
exchangeable for new Certificates of the same Class of authorized denominations 
evidencing the same aggregate Percentage Interest as requested by the Holder    
surrendering the same.                                                          

 No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any  
tax or other governmental charge payable in connection therewith.               

   The Trustee and the Certificate Registrar and any agent of the Trustee or
the Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Trustee, the   
Certificate Registrar nor any such agent shall be affected by any notice to the 
contrary.                                                                       

The obligations and responsibilities created by the Agreement, and the
Trust Fund created thereby shall terminate upon payment to the                  
Certificateholders, or provision therefor, in accordance with the Agreement     
following the earlier of (a) the repurchase by the Company of all Mortgage Loans
and all property acquired in respect of any Mortgage Loan remaining in the Trust
Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of 
each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus    
accrued and unpaid interest thereon at the rate provided for in the Agreement   
(less any amounts representing previously unreimbursed Monthly Advances) and (y)
the appraised value of any property acquired in respect of a Mortgage Loan      
determined as provided in the Agreement, and (b) the later of the final payment 
or other liquidation (or any Monthly Advance with respect thereto) of the last  
Mortgage Loan remaining in the Trust Fund and the disposition of all property   
acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage     
Loan. The right of the Company to repurchase all the Mortgage Loans and property
in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance 
at the time of repurchase being less than 10 percent of the Pool Scheduled      
Principal Balance as of the Cut-off Date. The Company's exercise of such right  
will result in early retirement of the Certificates.                            

  Unless this Certificate has been countersigned by the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit under the      
Agreement or be valid for any purpose.                                          

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IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed under its official seal.                                               

                           STATE STREET BANK AND TRUST
                              COMPANY, not in its individual
                              capacity but solely as Trustee

(SEAL)                                                                          

                              By:  _________________________
               Name:
                Title:

Countersigned:                                                                  

By ___________________________                                                  

Authorized Signatory of                                                         
STATE STREET BANK AND TRUST COMPANY,                                            
not in its individual capacity but                                              
solely as Trustee                                                               

Dated:______________                                                            

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ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and      
transfer(s) unto                                                                

Please insert social security                                                   
or other identifying number of assignee                                   

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
 (Please print or typewrite name and address

including postal zip code of assignee)

--------------------------------------------------------------------------------

this Certificate evidencing a Percentage Interest in certain distributions with 
respect to the Trust Fund and hereby authorizes the transfer of registration of 
such interest to assignee on the Certificate Register of said Trust Fund.       

    I (we) further direct the Certificate Registrar to issue a new Certificate
of like Class and Percentage Interest, to the above named assignee and deliver  
such Certificate to the following address:                                      

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

Dated:______________                                                            

_____________________________________                                           
Signature by or on behalf of assignor                                           

______________________                                                          
*Signature Guaranteed*                                                          

*The signature hereon must be guaranteed by a bank, trust company or broker of  
the signatory who is a member of a signature guarantee medallion program.       

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In connection with any transfer of this Certificate, the undersigned  
registered holder hereof confirms that without utilizing any general            
solicitation or general advertising:                                            

(Check One) -                                                                   

            |_| (a) This Certificate is being transferred by the
              undersigned to a person whom the undersigned reasonably believes
           is a "qualified institutional buyer" (as defined in Rule 144A
           under the Securities Act of 1933, as amended) pursuant to the
              exemption from registration under the Securities Act of 1933, as
amended, provided by Rule 144A thereunder.        

            |_| (b) This Certificate is being transferred by the
               undersigned to an institutional "accredited investor" (as defined
          in Rule 501(a)(1), (2), (3) or (7) of Regulation D under the
              Securities Act of 1933, as amended) and that the undersigned has
               been advised by the prospective purchaser that it intends to hold
         this Certificate for investment and not for distribution or
resale.                                           

Dated                                                                           
______________________________                                                  
(Signature)                                                                     

If none of the foregoing boxes is checked, the Trustee shall not be obligated to
register this Certificate in the name of any person other than the registered   
holder thereof unless and until the conditions to any such transfer of          
registration set forth herein, and in the Pooling and Servicing Agreement have  
been satisfied.                                                                 

TO BE COMPLETED BY PURCHASER IF (a) ABOVE IS CHECKED:                           

The undersigned represents and warrants that (i) it is a "qualified   
institutional buyer" (as defined in Rule 144A under the Securities Act of 1933, 
as amended) and acknowledges that it has received such information as the       
undersigned has requested pursuant to Rule 144A or has determined not to request
such information and that it is aware that the registered holder is relying upon
the undersigned's foregoing representations in order to claim the exemption from
registration provided by Rule 144A, and (ii) the undersigned (x) is not an      
employee benefit plan subject to the Employee Retirement Income Security Act of 
1974, as amended, or a plan subject to Section 4975 of the Internal Revenue Code
of 1986, as amended, and is not using the assets of any such employee benefit or
other plan to acquire this Certificate or (y) is an insurance company investing 
assets of its general account and the exemptions provided by Section III(a) of  
Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925  
(July 12, 1995), apply to the acquisition and holding by the undersigned of this
Certificate.                                                                    

Dated                                                                           
______________________________                                                  
(Signature)                                                                     

TO BE COMPLETED BY PURCHASER IF (b) ABOVE IS CHECKED:                           

 The undersigned represents and warrants that (i) it is an institutional
"accredited investor" (as defined in Rule 501(a)(1), (2), (3) or (7) of         
Regulation D under the Securities Act of 1933, as amended), and (ii) the        
undersigned (x) is not an employee benefit plan subject to the Employee         
Retirement Income Security Act of 1974, as amended, or a plan subject to Section
4975 of the Internal Revenue Code of 1986, as amended, and is not using the     
assets of any such employee benefit or other plan to acquire this Certificate or
(y) is an insurance company investing assets of its general account and the     
exemptions provided by Section III(a) of Department of Labor Prohibited         
Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995), apply to the   
acquisition and holding by the undersigned of this Certificate.                 

Dated                                                                           
______________________________                                                  
(Signature)                                                                     

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THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF 
THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.   

THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES   
ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY   
STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE   
OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM   
THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE    
MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE      
REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION       
PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN       
INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) 
OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT  
FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH 
ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY  
OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE.          

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT 
PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED 
("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF     
1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE      
ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE   
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET    
FORTH HEREIN.                                                                   

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class B4 Certificate   
                                    Principal Balance:
Class B4                                         $996,000                       

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3P8               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
B4 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF 
THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN.   

THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES   
ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY   
STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE   
OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM   
THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE    
MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE      
REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION       
PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN       
INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) 
OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT  
FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH 
ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY  
OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE.          

PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT 
PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED 
("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF     
1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE      
ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE   
TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET    
FORTH HEREIN.                                                                   

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class B5 Certificate   
                                    Principal Balance:
Class B5                                         $1,247,906.29                  

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3Q6               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
B5 Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

Distributions on this Certificate will be made by the Trustee by check or money 
order mailed to the Person entitled thereto at the address appearing in the     
Certificate Register or, upon written request by the Certificateholder, by such 
other means of payment as such Person and the Trustee shall agree. Except as    
otherwise provided in the Agreement, the final distribution on this Certificate 
will be made in the applicable manner described above, after due notice by the  
Trustee of the pendency of such distribution and only upon presentation and     

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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS   
AMENDED (THE "SECURITIES ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE      
WITHOUT REGISTRATION THEREOF UNDER THE SECURITIES ACT MAY ONLY BE MADE IN A     
TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND 
IN ACCORDANCE WITH SECTION 5.02 OF THE AGREEMENT REFERRED TO HEREIN.            

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class PO Certificate   
                                    Principal Balance:
Class PO                                         $448,236.45                    

Certificate Interest                             Initial Certificate Principal  
Rate per annum:                                  Balance of this Certificate:   
non-interest bearing                             $                              

Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                                                        
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
PO Certificates, both as specified above) in certain distributions with respect 
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

   Distributions on this Certificate will be made by the Trustee by check or
money order mailed to the Person entitled thereto at the address appearing in   
the Certificate Register or, upon written request by the Certificateholder, by  
such other means of payment as such Person and the Trustee shall agree. Except  
as otherwise provided in the Agreement, the final distribution on this          
Certificate will be made in the applicable manner described above, after due    
notice by the Trustee of the pendency of such distribution and only upon        
presentation and surrender of this Certificate at the office or agency          
maintained for that purpose by the Trustee in New York, New York.               

This Certificate is one of a duly authorized issue of Certificates    
designated as REMIC Mortgage Pass-Through Certificates, Series 1999-13, issued  
in twenty-six Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class  
A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13,   
Class A14, Class A15, Class A16, Class A17, Class R, Class PO, Class S, Class M,
Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the          
"Certificates").                                                                

     The Certificates are limited in right of payment to certain payments on and
collections in respect of the Mortgage Loans, all as more specifically set forth
in the Agreement. The Certificateholder, by its acceptance of this Certificate, 
agrees that it will look solely to the funds on deposit in the Certificate      
Account for payment hereunder and that the Trustee in its individual capacity is
not personally liable to the Certificateholders for any amount payable under    
this Certificate or the Agreement or, except as expressly provided in the       
Agreement, subject to any liability under the Agreement.                        

    As provided in the Agreement and with certain exceptions therein provided,
certain losses on the Mortgage Loans resulting from defaults by Mortgagors will 
be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4  
and Class B5 Certificates before such losses will be borne by the Holders of the
other Classes of the Certificates.                                              

    This Certificate does not purport to summarize the Agreement and reference
is made to the Agreement for the interests, rights and limitations of rights,   
benefits, obligations and duties evidenced hereby, and the rights, duties and   
immunities of the Trustee.                                                      

The Agreement permits, with certain exceptions therein provided, the  
amendment thereof and the modification of the rights and obligations of the     
Company and the rights of the Certificateholders under the Agreement at any time
by the Company and the Trustee with the consent of the Holders of Certificates  
evidencing not less than 66% of all the Voting Rights as defined in the         
Agreement. Any such consent by the Holder of this Certificate shall be          
conclusive and binding on such Holder and upon all future Holders of this       
Certificate and of any Certificate issued upon the transfer hereof or in        
exchange herefor or in lieu hereof whether or not notation of such consent is   
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the 
Certificates.                                                                   

     No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class
B5 Certificate which is in the form of a Definitive Certificate shall be made to
any Person unless the Trustee has received (i) a certificate from such          
transferee to the effect that such transferee (x) is not an employee benefit    
plan subject to the Employee Retirement Income Security Act of 1974, as amended 
("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of     
1986, as amended ("Section 4975") (a "Plan") or a Person that is using the      
assets of a Plan to acquire such Certificate or (y) is an insurance company     
investing assets of its general account and the exemption provided by Section   
III(a) of Department of Labor Prohibited Transaction Class Exemption 95-60, 60  
Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's  
acquisition and holding of such Certificate, or (ii) an opinion of counsel      
satisfactory to the Trustee, which opinion shall not be an expense of the       
Trustee or the Company, to the effect that the purchase and holding of such     
Certificate will not constitute or result in the assets of the Trust Fund being 
deemed to be "plan assets" and subject to the prohibited transaction provisions 
of ERISA or Section 4975 and will not subject the Trustee or the Company to any 
obligation in addition to those undertaken in the Agreement; provided, however, 
that the Trustee will not require such certificate or opinion in the event that,
as a result of a change of law or otherwise, counsel satisfactory to the Trustee
has rendered an opinion to the effect that the purchase and holding of a Class  
M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a
Person that is purchasing or holding such Certificate with the assets of a Plan 
will not constitute or result in a prohibited transaction under ERISA or Section
4975.                                                                           

   No transfer of any Class R Certificate shall be made to any Person unless
the Trustee has received a certificate from such transferee to the effect that, 
among other things, such transferee (x) is not an employee benefit plan subject 
to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any
such Class R Certificate or (y) is an insurance company investing assets of its 
general account and the Exemption applies to such transferee's acquisition and  
holding of any such Class R Certificate.                                        

  As provided in the Agreement, and subject to certain limitations therein
set forth, the transfer of this Certificate is registerable in the Certificate  
Register of the Trustee upon surrender of this Certificate for registration of  
transfer at the office or agency maintained by the Trustee in the city in which 
the Corporate Trust Office of the Trustee is located or in the City of New York,
accompanied by a written instrument of transfer in form satisfactory to the     
Company, the Trustee, and the Certificate Registrar duly executed by the Holder 
hereof or such Holder's attorney duly authorized in writing, and thereupon one  
or more new Certificates of the same Class of authorized denominations          
evidencing the same aggregate Percentage Interest will be issued to the         
designated transferee or transferees.                                           

The Certificates are issuable only as registered Certificates without 
coupons in denominations specified in the Agreement. As provided in the         
Agreement and subject to certain limitations therein set forth, Certificates are
exchangeable for new Certificates of the same Class of authorized denominations 
evidencing the same aggregate Percentage Interest as requested by the Holder    
surrendering the same.                                                          

 No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any  
tax or other governmental charge payable in connection therewith.               

   The Trustee and the Certificate Registrar and any agent of the Trustee or
the Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Trustee, the   
Certificate Registrar nor any such agent shall be affected by any notice to the 
contrary.                                                                       

The obligations and responsibilities created by the Agreement, and the
Trust Fund created thereby shall terminate upon payment to the                  
Certificateholders, or provision therefor, in accordance with the Agreement     
following the earlier of (a) the repurchase by the Company of all Mortgage Loans
and all property acquired in respect of any Mortgage Loan remaining in the Trust
Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of 
each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus    
accrued and unpaid interest thereon at the rate provided for in the Agreement   
(less any amounts representing previously unreimbursed Monthly Advances) and (y)
the appraised value of any property acquired in respect of a Mortgage Loan      
determined as provided in the Agreement, and (b) the later of the final payment 
or other liquidation (or any Monthly Advance with respect thereto) of the last  
Mortgage Loan remaining in the Trust Fund and the disposition of all property   
acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage     
Loan. The right of the Company to repurchase all the Mortgage Loans and property
in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance 
at the time of repurchase being less than 10 percent of the Pool Scheduled      
Principal Balance as of the Cut-off Date. The Company's exercise of such right  
will result in early retirement of the Certificates.                            

  Unless this Certificate has been countersigned by the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit under the      
Agreement or be valid for any purpose.                                          

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IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed under its official seal.                                               

                           STATE STREET BANK AND TRUST
                              COMPANY, not in its individual
                              capacity but solely as Trustee

(SEAL)                                                                          

                             By:  ________________________
               Name:
                Title:

Countersigned:                                                                  

By____________________________                                                  

Authorized Signatory of                                                         
STATE STREET BANK AND TRUST COMPANY,                                            
not in its individual capacity but                                              
solely as Trustee                                                               

Dated:______________                                                            

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ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and      
transfer(s) unto                                                                

Please insert social security                                                   
or other identifying number of assignee                                   

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
 (Please print or typewrite name and address

including postal zip code of assignee)

--------------------------------------------------------------------------------

this Certificate evidencing a Percentage Interest in certain distributions with 
respect to the Trust Fund and hereby authorizes the transfer of registration of 
such interest to assignee on the Certificate Register of said Trust Fund.       

    I (we) further direct the Certificate Registrar to issue a new Certificate
of like Class and Percentage Interest, to the above named assignee and deliver  
such Certificate to the following address:                                      

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

Dated:______________                                                            

_____________________________________                                           
Signature by or on behalf of assignor                                           

______________________                                                          
*Signature Guaranteed*                                                          

*The signature hereon must be guaranteed by a bank, trust company or broker of  
the signatory who is a member of a signature guarantee medallion program.       

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PRINCIPAL WILL NOT BE DISTRIBUTABLE IN RESPECT OF THIS CERTIFICATE. INTEREST IS 
CALCULATED ON THIS CERTIFICATE BASED ON THE CLASS S NOTIONAL PRINCIPAL BALANCE, 
WHICH, AS OF ANY DISTRIBUTION DATE, IS EQUAL TO THE AGGREGATE SCHEDULED         
PRINCIPAL BALANCE OF THE OUTSTANDING NON-DISCOUNT MORTGAGE LOANS AS SET FORTH IN
THE AGREEMENT (AS DEFINED HEREIN). CONSEQUENTLY, THE NOTIONAL PRINCIPAL BALANCE 
OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL NOTIONAL PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS   
AMENDED (THE "SECURITIES ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE      
WITHOUT REGISTRATION THEREOF UNDER THE SECURITIES ACT MAY ONLY BE MADE IN A     
TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND 
IN ACCORDANCE WITH SECTION 5.02 OF THE AGREEMENT REFERRED TO HEREIN.            

THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT  
CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS       
860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED).          

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 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

 evidencing a beneficial ownership interest in a
trust fund which consists primarily of a pool of
 conventional, fixed rate, one- to four-family
 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                       Initial Class S Notional           
                                        Certificate Principal Balance:
Class S                                      $476,820,702.62                    

Certificate Interest                         Initial Notional Certificate       
Rate per annum: variable                     Principal Balance of this          
                      Certificate:
           $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                                                        
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Notional Principal Balance of this Certificate
by the aggregate initial Notional Principal Balance of all Class S Certificates,
both as specified above) in certain distributions with respect to the Trust     
Fund, consisting primarily of a pool (the "Pool") of conventional, fixed rate,  
one- to four-family mortgage loans (the "Mortgage Loans"), sold and serviced by 
GE Capital Mortgage Services, Inc., a corporation organized and existing under  
the laws of the State of New Jersey (the "Company"). The Trust Fund was created 
pursuant to a Pooling and Servicing Agreement dated as of June 1, 1999 (the     
"Agreement"), between the Company and State Street Bank and Trust Company, as   
trustee (the "Trustee"), a summary of certain of the pertinent provisions of    
which is set forth herein below. To the extent not defined herein, the terms    
used herein have the meanings assigned in the Agreement. This Certificate is    
issued under and is subject to the terms, provisions and conditions of the      
Agreement, to which Agreement the Holder of this Certificate by virtue of the   
acceptance hereof assents and by which such Holder is bound.                    

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

   Distributions on this Certificate will be made by the Trustee by check or
money order mailed to the Person entitled thereto at the address appearing in   
the Certificate Register or, upon written request by the Certificateholder, by  
such other means of payment as such Person and the Trustee shall agree. Except  
as otherwise provided in the Agreement, the final distribution on this          
Certificate will be made in the applicable manner described above, after due    
notice by the Trustee of the pendency of such distribution and only upon        
presentation and surrender of this Certificate at the office or agency          
maintained for that purpose by the Trustee in New York, New York.               

This Certificate is one of a duly authorized issue of Certificates    
designated as REMIC Mortgage Pass-Through Certificates, Series 1999-13, issued  
in twenty-six Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class  
A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13,   
Class A14, Class A15, Class A16, Class A17, Class R, Class PO, Class S, Class M,
Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the          
"Certificates").                                                                

     The Certificates are limited in right of payment to certain payments on and
collections in respect of the Mortgage Loans, all as more specifically set forth
in the Agreement. The Certificateholder, by its acceptance of this Certificate, 
agrees that it will look solely to the funds on deposit in the Certificate      
Account for payment hereunder and that the Trustee in its individual capacity is
not personally liable to the Certificateholders for any amount payable under    
this Certificate or the Agreement or, except as expressly provided in the       
Agreement, subject to any liability under the Agreement.                        

    As provided in the Agreement and with certain exceptions therein provided,
certain losses on the Mortgage Loans resulting from defaults by Mortgagors will 
be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4  
and Class B5 Certificates before such losses will be borne by the Holders of the
other Classes of the Certificates.                                              

    This Certificate does not purport to summarize the Agreement and reference
is made to the Agreement for the interests, rights and limitations of rights,   
benefits, obligations and duties evidenced hereby, and the rights, duties and   
immunities of the Trustee.                                                      

The Agreement permits, with certain exceptions therein provided, the  
amendment thereof and the modification of the rights and obligations of the     
Company and the rights of the Certificateholders under the Agreement at any time
by the Company and the Trustee with the consent of the Holders of Certificates  
evidencing not less than 66% of all the Voting Rights as defined in the         
Agreement. Any such consent by the Holder of this Certificate shall be          
conclusive and binding on such Holder and upon all future Holders of this       
Certificate and of any Certificate issued upon the transfer hereof or in        
exchange herefor or in lieu hereof whether or not notation of such consent is   
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the 
Certificates.                                                                   

  As provided in the Agreement, and subject to certain limitations therein
set forth, the transfer of this Certificate is registerable in the Certificate  
Register of the Trustee upon surrender of this Certificate for registration of  
transfer at the office or agency maintained by the Trustee in the city in which 
the Corporate Trust Office of the Trustee is located or in the City of New York,
accompanied by a written instrument of transfer in form satisfactory to the     
Company, the Trustee, and the Certificate Registrar duly executed by the Holder 
hereof or such Holder's attorney duly authorized in writing, and thereupon one  
or more new Certificates of the same Class of authorized denominations          
evidencing the same aggregate Percentage Interest will be issued to the         
designated transferee or transferees. The Certificates are issuable only as     
registered Certificates without coupons in denominations specified in the       
Agreement. As provided in the Agreement and subject to certain limitations      
therein set forth, Certificates are exchangeable for new Certificates of the    
same Class of authorized denominations evidencing the same aggregate Percentage 
Interest as requested by the Holder surrendering the same.                      

 No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any  
tax or other governmental charge payable in connection therewith.               

   The Trustee and the Certificate Registrar and any agent of the Trustee or
the Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Trustee, the   
Certificate Registrar nor any such agent shall be affected by any notice to the 
contrary.                                                                       

The obligations and responsibilities created by the Agreement, and the
Trust Fund created thereby shall terminate upon payment to the                  
Certificateholders, or provision therefor, in accordance with the Agreement     
following the earlier of (a) the repurchase by the Company of all Mortgage Loans
and all property acquired in respect of any Mortgage Loan remaining in the Trust
Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of 
each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus    
accrued and unpaid interest thereon at the rate provided for in the Agreement   
(less any amounts representing previously unreimbursed Monthly Advances) and (y)
the appraised value of any property acquired in respect of a Mortgage Loan      
determined as provided in the Agreement, and (b) the later of the final payment 
or other liquidation (or any Monthly Advance with respect thereto) of the last  
Mortgage Loan remaining in the Trust Fund and the disposition of all property   
acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage     
Loan. The right of the Company to repurchase all the Mortgage Loans and property
in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance 
at the time of repurchase being less than 10 percent of the Pool Scheduled      
Principal Balance as of the Cut-off Date. The Company's exercise of such right  
will result in early retirement of the Certificates.                            

  Unless this Certificate has been countersigned by the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit under the      
Agreement or be valid for any purpose.                                          

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IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed under its official seal.                                               

                           STATE STREET BANK AND TRUST
                                       COMPANY, not in its individual capacity
                     but solely as Trustee

(SEAL)                                  By:  __________________________________ 
     Name:
      Title:

Countersigned:                                                                  

By____________________________                                                  
Authorized Signatory of                                                         
STATE STREET BANK AND TRUST COMPANY,                                            
not in its individual capacity but                                              
solely as Trustee                                                               

Dated:______________                                                            

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ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and      
transfer(s) unto                                                                

Please insert social security or other identifying number of assignee           

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
(Please print or typewrite name and address including postal zip
 code of assignee)

--------------------------------------------------------------------------------

this Certificate evidencing a Percentage Interest in certain distributions with 
respect to the Trust Fund and hereby authorizes the transfer of registration of 
such interest to assignee on the Certificate Register of said Trust Fund.       

    I (we) further direct the Certificate Registrar to issue a new Certificate
of like Class and Percentage Interest, to the above named assignee and deliver  
such Certificate to the following address:                                      

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

Dated:______________                                                            

_____________________________________                                           
Signature by or on behalf of assignor                                           

______________________                                                          
*Signature Guaranteed*                                                          

*The signature hereon must be guaranteed by a bank, trust company or broker of  
the signatory who is a member of a signature guarantee medallion program.       

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PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE   
AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF
THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL 
BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT      
REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR 
THE TRUSTEE (AS DEFINED HEREIN).                                                

TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE   
AGREEMENT.                                                                      

FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS THE "RESIDUAL         
INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") AS THOSE     
TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(2) AND 860D OF THE INTERNAL
REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). A TRANSFEREE OF THIS CERTIFICATE,
BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS CERTIFICATE SUBJECT TO    
CERTAIN RESTRICTIONS ON TRANSFERABILITY AS SET FORTH IN THE AGREEMENT, AND SHALL
BE REQUIRED TO FURNISH AN AFFIDAVIT TO THE TRANSFEROR AND THE TRUSTEE TO THE    
EFFECT THAT IT IS NOT A DISQUALIFIED ORGANIZATION, AS SUCH TERM IS DEFINED IN   
CODE SECTION 860E(e)(5), AN AGENT (INCLUDING A BROKER, NOMINEE OR OTHER         
MIDDLEMAN) FOR SUCH DISQUALIFIED ORGANIZATION, OR AN ENTITY THAT HOLDS REMIC    
RESIDUAL SECURITIES AS NOMINEE TO FACILITATE THE CLEARANCE AND SETTLEMENT OF    
SUCH SECURITIES THROUGH BOOK-ENTRY CHANGES IN ACCOUNTS OF PARTICIPATING         
ORGANIZATIONS (A "BOOK-ENTRY NOMINEE") AND TO HAVE AGREED TO SUCH AMENDMENTS TO 
THE AGREEMENT AS MAY BE REQUIRED TO FURTHER EFFECTUATE THE RESTRICTIONS ON      
TRANSFERS TO DISQUALIFIED ORGANIZATIONS, AGENTS THEREOF OR BOOK-ENTRY NOMINEES. 

THE HOLDER OF THIS CLASS R CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE 
IRREVOCABLY APPOINTED THE COMPANY (AS DEFINED HEREIN) AS ITS AGENT AND          
ATTORNEY-IN-FACT TO ACT AS "TAX MATTERS PERSON" OF THE REMIC TO PERFORM THE     
FUNCTIONS OF A "TAX MATTERS PARTNER" FOR PURPOSES OF SUBCHAPTER C OF CHAPTER 63 
OF SUBTITLE F OF THE CODE, WITH RESPECT TO THE TRUST FUND.                      

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THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY DISQUALIFIED     
ORGANIZATION, BOOK-ENTRY NOMINEE OR NON-PERMITTED FOREIGN HOLDER, AS DEFINED IN 
THE AGREEMENT OR TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT
INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION  
4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A       
"PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS          
CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS    
SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN.                      

 REMIC MORTGAGE PASS-THROUGH CERTIFICATE, SERIES 1999-13

evidencing a beneficial ownership interest in a 

trust fund which consists primarily of a pool of

 conventional, fixed rate, one- to four-family

 mortgage loans sold and serviced by

GE CAPITAL MORTGAGE SERVICES, INC.

No. R-                                           Initial Class R Certificate    
                                    Principal Balance:
Class R                                          $100                           

Certificate Interest                             Initial Certificate Principal  
Rate per annum: 6.50%                            Balance of this Certificate:   
                   $
Cut-off Date:                                                                   
June 1, 1999                                                                    

First Distribution Date:                         CUSIP: 36157R3J2               
July 26, 1999                                                                   

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THIS CERTIFIES THAT                                                             

is the registered owner of the Percentage Interest evidenced by this Certificate
(obtained by dividing the initial Certificate Principal Balance of this         
Certificate by the aggregate initial Certificate Principal Balance of all Class 
R Certificates, both as specified above) in certain distributions with respect  
to the Trust Fund, consisting primarily of a pool (the "Pool") of conventional, 
fixed rate, one- to four-family mortgage loans (the "Mortgage Loans"), sold and 
serviced by GE Capital Mortgage Services, Inc., a corporation organized and     
existing under the laws of the State of New Jersey (the "Company"). The Trust   
Fund was created pursuant to a Pooling and Servicing Agreement dated as of June 
1, 1999 (the "Agreement"), between the Company and State Street Bank and Trust  
Company, as trustee (the "Trustee"), a summary of certain of the pertinent      
provisions of which is set forth herein below. To the extent not defined herein,
the terms used herein have the meanings assigned in the Agreement. This         
Certificate is issued under and is subject to the terms, provisions and         
conditions of the Agreement, to which Agreement the Holder of this Certificate  
by virtue of the acceptance hereof assents and by which such Holder is bound.   

   The Agreement requires the distribution on the 25th day of each month or,
if such 25th day is not a Business Day, the Business Day immediately following  
(the "Distribution Date"), commencing in July 1999, to the Person in whose name 
this Certificate is registered at the close of business on the last Business Day
of the month immediately preceding the month of such distribution (the "Record  
Date"), of an amount equal to the product of the Percentage Interest evidenced  
by this Certificate and the aggregate amount required to be distributed to      
Holders of Certificates of the same Class as this Certificate pursuant to the   
Agreement.                                                                      

   Distributions on this Certificate will be made by the Trustee by check or
money order mailed to the Person entitled thereto at the address appearing in   
the Certificate Register or, upon written request by the Certificateholder, by  
such other means of payment as such Person and the Trustee shall agree. Except  
as otherwise provided in the Agreement, the final distribution on this          
Certificate will be made in the applicable manner described above, after due    
notice by the Trustee of the pendency of such distribution and only upon        
presentation and surrender of this Certificate at the office or agency          
maintained for that purpose by the Trustee in New York, New York.               

This Certificate is one of a duly authorized issue of Certificates    
designated as REMIC Mortgage Pass-Through Certificates, Series 1999-13, issued  
in twenty-six Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class  
A6, Class A7, Class A8, Class A9, Class A10, Class A11, Class A12, Class A13,   
Class A14, Class A15, Class A16, Class A17, Class R, Class PO, Class S, Class M,
Class B1, Class B2, Class B3, Class B4 and Class B5, herein called the          
"Certificates").                                                                

     The Certificates are limited in right of payment to certain payments on and
collections in respect of the Mortgage Loans, all as more specifically set forth
in the Agreement. The Certificateholder, by its acceptance of this Certificate, 
agrees that it will look solely to the funds on deposit in the Certificate      
Account for payment hereunder and that the Trustee in its individual capacity is
not personally liable to the Certificateholders for any amount payable under    
this Certificate or the Agreement or, except as expressly provided in the       
Agreement, subject to any liability under the Agreement.                        

    As provided in the Agreement and with certain exceptions therein provided,
certain losses on the Mortgage Loans resulting from defaults by Mortgagors will 
be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4  
and Class B5 Certificates before such losses will be borne by the Holders of the
other Classes of the Certificates.                                              

    This Certificate does not purport to summarize the Agreement and reference
is made to the Agreement for the interests, rights and limitations of rights,   
benefits, obligations and duties evidenced hereby, and the rights, duties and   
immunities of the Trustee.                                                      

The Agreement permits, with certain exceptions therein provided, the  
amendment thereof and the modification of the rights and obligations of the     
Company and the rights of the Certificateholders under the Agreement at any time
by the Company and the Trustee with the consent of the Holders of Certificates  
evidencing not less than 66% of all the Voting Rights as defined in the         
Agreement. Any such consent by the Holder of this Certificate shall be          
conclusive and binding on such Holder and upon all future Holders of this       
Certificate and of any Certificate issued upon the transfer hereof or in        
exchange herefor or in lieu hereof whether or not notation of such consent is   
made upon this Certificate. The Agreement also permits the amendment thereof, in
certain limited circumstances, without the consent of the Holders of any of the 
Certificates.                                                                   

     No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class
B5 Certificate which is in the form of a Definitive Certificate shall be made to
any Person unless the Trustee has received (i) a certificate from such          
transferee to the effect that such transferee (x) is not an employee benefit    
plan subject to the Employee Retirement Income Security Act of 1974, as amended 
("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of     
1986, as amended ("Section 4975") (a "Plan") or a Person that is using the      
assets of a Plan to acquire such Certificate or (y) is an insurance company     
investing assets of its general account and the exemption provided by Section   
III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed.   
Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's       
acquisition and holding of such Certificate, or (ii) an opinion of counsel      
satisfactory to the Trustee, which opinion shall not be an expense of the       
Trustee or the Company, to the effect that the purchase and holding of such     
Certificate will not constitute or result in the assets of the Trust Fund being 
deemed to be "plan assets" and subject to the prohibited transaction provisions 
of ERISA or Section 4975 and will not subject the Trustee or the Company to any 
obligation in addition to those undertaken in the Agreement; provided, however, 
that the Trustee will not require such certificate or opinion in the event that,
as a result of a change of law or otherwise, counsel satisfactory to the Trustee
has rendered an opinion to the effect that the purchase and holding of a Class  
M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a
Person that is purchasing or holding such Certificate with the assets of a Plan 
will not constitute or result in a prohibited transaction under ERISA or Section
4975.                                                                           

   No transfer of any Class R Certificate shall be made to any Person unless
the Trustee has received a certificate from such transferee to the effect that, 
among other things, such transferee (x) is not an employee benefit plan subject 
to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any
such Class R Certificate or (y) is an insurance company investing assets of its 
general account and the Exemption applies to such transferee's acquisition and  
holding of any such Class R Certificate.                                        

  As provided in the Agreement, and subject to certain limitations therein
set forth, the transfer of this Certificate is registerable in the Certificate  
Register of the Trustee upon surrender of this Certificate for registration of  
transfer at the office or agency maintained by the Trustee in the city in which 
the Corporate Trust Office of the Trustee is located or in the City of New York,
accompanied by a written instrument of transfer in form satisfactory to the     
Company, the Trustee, and the Certificate Registrar duly executed by the Holder 
hereof or such Holder's attorney duly authorized in writing, and thereupon one  
or more new Certificates of the same Class of authorized denominations          
evidencing the same aggregate Percentage Interest will be issued to the         
designated transferee or transferees.                                           

The Certificates are issuable only as registered Certificates without 
coupons in denominations specified in the Agreement. As provided in the         
Agreement and subject to certain limitations therein set forth, Certificates are
exchangeable for new Certificates of the same Class of authorized denominations 
evidencing the same aggregate Percentage Interest as requested by the Holder    
surrendering the same.                                                          

 No service charge will be made for any such registration of transfer or
exchange, but the Trustee may require payment of a sum sufficient to cover any  
tax or other governmental charge payable in connection therewith.               

   The Trustee and the Certificate Registrar and any agent of the Trustee or
the Certificate Registrar may treat the Person in whose name this Certificate is
registered as the owner hereof for all purposes, and neither the Trustee, the   
Certificate Registrar nor any such agent shall be affected by any notice to the 
contrary.                                                                       

The obligations and responsibilities created by the Agreement, and the
Trust Fund created thereby shall terminate upon payment to the                  
Certificateholders, or provision therefor, in accordance with the Agreement     
following the earlier of (a) the repurchase by the Company of all Mortgage Loans
and all property acquired in respect of any Mortgage Loan remaining in the Trust
Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of 
each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus    
accrued and unpaid interest thereon at the rate provided for in the Agreement   
(less any amounts representing previously unreimbursed Monthly Advances) and (y)
the appraised value of any property acquired in respect of a Mortgage Loan      
determined as provided in the Agreement, and (b) the later of the final payment 
or other liquidation (or any Monthly Advance with respect thereto) of the last  
Mortgage Loan remaining in the Trust Fund and the disposition of all property   
acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage     
Loan. The right of the Company to repurchase all the Mortgage Loans and property
in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance 
at the time of repurchase being less than 10 percent of the Pool Scheduled      
Principal Balance as of the Cut-off Date. The Company's exercise of such right  
will result in early retirement of the Certificates.                            

  Unless this Certificate has been countersigned by the Trustee, by manual
signature, this Certificate shall not be entitled to any benefit under the      
Agreement or be valid for any purpose.                                          

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IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly
executed under its official seal.                                               

                           STATE STREET BANK AND TRUST
                              COMPANY, not in its individual
                              capacity but solely as Trustee

(SEAL)                                                                          

                              By:  _________________________
               Name:
                Title:

Countersigned:                                                                  

By____________________________                                                  

Authorized Signatory of                                                         
STATE STREET BANK AND TRUST COMPANY,                                            
not in its individual capacity but                                              
solely as Trustee                                                               

Dated:______________                                                            

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ASSIGNMENT

FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and      
transfer(s) unto                                                                

Please insert social security                                                   
or other identifying number of assignee                                   

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------
 (Please print or typewrite name and address

including postal zip code of assignee)

--------------------------------------------------------------------------------

this Certificate evidencing a Percentage Interest in certain distributions with 
respect to the Trust Fund and hereby authorizes the transfer of registration of 
such interest to assignee on the Certificate Register of said Trust Fund.       

    I (we) further direct the Certificate Registrar to issue a new Certificate
of like Class and Percentage Interest, to the above named assignee and deliver  
such Certificate to the following address:                                      

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

Dated:______________                                                            

_____________________________________                                           
Signature by or on behalf of assignor                                           

______________________                                                          
*Signature Guaranteed*                                                          

     *The signature hereon must be guaranteed by a bank, trust company or broker
of the signatory who is a member of a signature guarantee medallion   
program.                                                              

EX-4.1
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 EXHIBIT B

 PRINCIPAL BALANCE SCHEDULES

 None.

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EXHIBIT C - SUPPLEMENT

 SCHEDULE OF COOPERATIVE LOANS

SERIES 1999-13

LOAN NO.                 CUT-OFF DATE PRINCIPLE BALANCE          BORROWER NAME  
--------                 ------------------------------          -------------  

70672522                           $155,000.00                   LOMBARDI       
70708789                           $329,430.16                   MANGAN         
70772850                           $228,000.00                   BAVLI          
70773015                           $369,725.41                   BAKALCHUCK     
70781232                            $89,931.51                   MELZIG         
70791447                            $99,925.79                   BELFROM        
70823679                           $134,800.00                   RIVERA         
70831375                           $350,000.00                   KLEIN          
70836028                            $79,000.00                   SPIRO          
70838701                            $94,500.00                   BURICA         
70854492                           $220,000.00                   PETERSON       

EX-4.1
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GE Capital Mortgages Services, Inc.               EXHIBIT C                 
\                                                                           
Issue Date:  June 1, 1999\                                                  
P.O. Box 5260\                                                              
Cherry Hill, N.J. 08034\                                                    
(800) -257-7818\                                                            

                                                        [Enlarge/Download Table]

                                             DELIVERY ID:     0004991330                                              

---------------------------------------------------------------------------------------------------------------PAGE:  
  --------------------------------------------------------------------------------                                    
                                                                                                                      
  LN # 0007749500               MORTGAGORS:        RANDLE, GLENN                                                      

                                                   CHOI, JEANNIE                                                      
                                            ADDRESS     :    29 MENDOSA AVENUE                                        
  MORTGAGE AMT:       336,000.00            CITY               SAN FRANCISCO                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94116                                             
  UNPAID BALANCE:    331,071.050            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,349.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.69200            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           09/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0007753148               MORTGAGORS:        RIEKEL, JAMES                                                      

                                                   RIEKEL, CYNTHIA                                                    
                                            ADDRESS     :    504 GREEN MOUNTAIN STREET                                
  MORTGAGE AMT:       332,600.00            CITY               SIMI VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   93065                                             
  UNPAID BALANCE:    330,319.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,184.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98700            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           10/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0007799257               MORTGAGORS:        PAULSEN, MELODIE                                                   
                                            ADDRESS     :    9121 NORTH 68TH DRIVE                                    
  MORTGAGE AMT:        54,900.00            CITY               PEORIA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               AZ   85345                                             
  UNPAID BALANCE:     54,657.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            388.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.93600            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           01/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:002                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0031661010               MORTGAGORS:        POZZI, WILLIAM                                                     

                                                   BREAZEALE, BARBARA                                                 
                                            ADDRESS     :    6 RUE CEZANNE                                            
  MORTGAGE AMT:       454,700.00            CITY               COTO DE CAZA AREA                                      
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92679                                             
  UNPAID BALANCE:    451,207.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,179.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98200            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           08/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0031693187               MORTGAGORS:        AMODEO, JAMES                                                      

                                                   AMODEO, JET                                                        
                                            ADDRESS     :    1438 MONTEGO DRIVE                                       
  MORTGAGE AMT:       404,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   95120                                             
  UNPAID BALANCE:    400,314.230            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,894.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           07/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0031736572               MORTGAGORS:        KEENE, KATHERINE                                                   
                                            ADDRESS     :    63 FAIRLANE ROAD                                         
  MORTGAGE AMT:       468,000.00            CITY               LAGUNA NIGUEL,                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   92677                                             
  UNPAID BALANCE:    464,403.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,352.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           08/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0031754559               MORTGAGORS:        MERTZ, RICHARD                                                     
                                            ADDRESS     :    8856 ENCINO AVENUE                                       
  MORTGAGE AMT:       524,600.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   91326                                             
  UNPAID BALANCE:    509,212.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,758.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.99600            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           08/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0031861149               MORTGAGORS:        WALTERS, CHARLES                                                   

                                                   WALTERS, TRACY                                                     
                                            ADDRESS     :    3202 EAST VISTA WAY                                      
  MORTGAGE AMT:       258,650.00            CITY               VISTA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        9.25000                               CA   92084                                             
  UNPAID BALANCE:    257,829.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,127.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.37878            OUTSIDE CONV DATE:                                                        
  CURRENT INT           9.25000             MATURITY DATE:           12/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0031920168               MORTGAGORS:        NEAL, RALPH                                                        

                                                   NEAL, JULIE                                                        
                                            ADDRESS     :    LOT 59 OSAGE CT                                          
  MORTGAGE AMT:       528,000.00            CITY               GREEN BAY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               WI   54313                                             
  UNPAID BALANCE:    526,378.050            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,646.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.15700            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0032056616               MORTGAGORS:        POPTELECAN, JOHN                                                   

                                                   POPTELECAN, MARIA                                                  
                                            ADDRESS     :    441 WEST PEBBLE BEACH AVE                                
  MORTGAGE AMT:       307,800.00            CITY               LA HABRA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90631                                             
  UNPAID BALANCE:    307,553.850            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,073.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.94800            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:250                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070277553               MORTGAGORS:        WEATHERFORD, ARTHUR                                                

                                                   WEATHERFORD, CHERYL                                                
                                            ADDRESS     :    32400 CARMEL WAY                                         
  MORTGAGE AMT:       294,700.00            CITY               UNION CITY                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94587                                             
  UNPAID BALANCE:    291,893.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,060.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.49127            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           09/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070536925               MORTGAGORS:        OBURCHAY, JEANINE                                                  

                                                   OBURCHAY, CHRISTOPHER                                              
                                            ADDRESS     :    159 OLD REDDING RD                                       
  MORTGAGE AMT:       482,000.00            CITY               Weston                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CT   06883                                             
  UNPAID BALANCE:    482,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,206.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.19000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070605324               MORTGAGORS:        TYLER, LARRY                                                       

                                                   TYLER, PATSY                                                       
                                            ADDRESS     :    12127 SELFRIDGE ROAD                                     
  MORTGAGE AMT:        94,200.00            CITY               WHEATON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20906                                             
  UNPAID BALANCE:     92,658.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            618.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.50909            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070672522               MORTGAGORS:        LOMBARDI, FRANK                                                    
                                            ADDRESS     :    155 HENRY ST #1G                                         
  MORTGAGE AMT:       155,000.00            CITY               BROOKLYN                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NY   11201                                             
  UNPAID BALANCE:    155,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,057.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.88889            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070679170               MORTGAGORS:        SUSZ, GLENN                                                        

                                                   SUSZ, SUSAN                                                        
                                            ADDRESS     :    13250 FOXHILL DRIVE                                      
  MORTGAGE AMT:       272,000.00            CITY               LEMONT                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60439                                             
  UNPAID BALANCE:    271,574.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,855.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.17043            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070680749               MORTGAGORS:        ORLANDO, JACINTA                                                   

                                                   MACDONALD, HUGH                                                    
                                            ADDRESS     :    20 JONES STREET                                          
  MORTGAGE AMT:       624,000.00            CITY               New York                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NY   10014                                             
  UNPAID BALANCE:    624,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,204.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.68000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070683164               MORTGAGORS:        GASTON, JAMES                                                      

                                                   GASTON, ELIZABETH                                                  
                                            ADDRESS     :    15455 WEST 72ND PLACE                                    
  MORTGAGE AMT:       310,800.00            CITY               ARVADA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80007                                             
  UNPAID BALANCE:    310,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,093.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.70000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070686217               MORTGAGORS:        BELTRANO, ROBERT                                                   

                                                   BELTRANO, KRISTIN                                                  
                                            ADDRESS     :    1926 GREY EAGLE STREET                                   
  MORTGAGE AMT:       275,200.00            CITY               HENDERSON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NV   89014                                             
  UNPAID BALANCE:    271,534.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,830.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.60094            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070687264               MORTGAGORS:        KERMAN, ALEXANDER                                                  

                                                   KERMAN, LYUDMILA                                                   
                                            ADDRESS     :    1621 RIVERA STREET                                       
  MORTGAGE AMT:       281,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94116                                             
  UNPAID BALANCE:    281,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,869.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.90476            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070687751               MORTGAGORS:        BOWER, IAN                                                         

                                                   DODGEN BOWER, PATRICIA                                             
                                            ADDRESS     :    460 I AVENUE                                             
  MORTGAGE AMT:       418,500.00            CITY               CORONADO                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92118                                             
  UNPAID BALANCE:    418,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,784.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070690532               MORTGAGORS:        SKINNER, ALLEN                                                     

                                                   SKINNER, CHARLOTTE                                                 
                                            ADDRESS     :    1115 STONEY RUN ROAD                                     
  MORTGAGE AMT:       305,000.00            CITY               HUMMELSTOWN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.37500                               PA   17036                                             
  UNPAID BALANCE:    305,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,902.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.77778            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070698378               MORTGAGORS:        BARRY, JOHN                                                        

                                                   BARRY, NAN                                                         
                                            ADDRESS     :    550 HUNT LANE                                            
  MORTGAGE AMT:       361,000.00            CITY               MANHASSET                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NY   11030                                             
  UNPAID BALANCE:    360,435.060            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,462.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.53846            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070706874               MORTGAGORS:        BURGESE, DOMINIC                                                   

                                                   BURGESE, JUDITH                                                    
                                            ADDRESS     :    317 JOSEPHS WAY                                          
  MORTGAGE AMT:       307,500.00            CITY               MEDIA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               PA   19063                                             
  UNPAID BALANCE:    307,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,045.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.70513            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070708789               MORTGAGORS:        MANGAN, MONA                                                       
                                            ADDRESS     :    1025 FIFTH AVE                                           
  MORTGAGE AMT:       330,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               NY   10021                                             
  UNPAID BALANCE:    329,430.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,140.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.87403            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070708839               MORTGAGORS:        SUBBIONDO, ROBERT                                                  

                                                   SUBBIONDO, DEBORAH                                                 
                                            ADDRESS     :    9070 S BLACKJACK ROAD                                    
  MORTGAGE AMT:       392,000.00            CITY               ALTA                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               UT   84092                                             
  UNPAID BALANCE:    392,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,674.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070710728               MORTGAGORS:        GROFF, TOM                                                         
                                            ADDRESS     :    77 LEGACY WAY                                            
  MORTGAGE AMT:       337,500.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92602                                             
  UNPAID BALANCE:    337,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,217.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.36957            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070713615               MORTGAGORS:        TAYLOR, ALASTAIR                                                   

                                                   TAYLOR, EBBA                                                       
                                            ADDRESS     :    56 CANYON ROAD                                           
  MORTGAGE AMT:       267,900.00            CITY               FAIRFAX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94930                                             
  UNPAID BALANCE:    267,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,782.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.40541            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070718523               MORTGAGORS:        HAMANN, ELAINE                                                     

                                                   HAMANN, SCOTT                                                      
                                            ADDRESS     :    11 O'SHEA LANE                                           
  MORTGAGE AMT:       336,000.00            CITY               SUMMIT                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07901                                             
  UNPAID BALANCE:    335,461.020            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,263.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070719737               MORTGAGORS:        KREINIKER, ROBERT                                                  

                                                   KREINIKER, MAGDELEN                                                
                                            ADDRESS     :    2609 CRYSTAL WAY                                         
  MORTGAGE AMT:       224,200.00            CITY               CRYSTAL LAK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               IL   60012                                             
  UNPAID BALANCE:    224,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,472.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.05714            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070720602               MORTGAGORS:        MUSTAFA, MAHMOUD                                                   
                                            ADDRESS     :    2301 N STREET NORTHWEST U                                
  MORTGAGE AMT:       288,000.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               DC   20037                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070723143               MORTGAGORS:        HENRY, ROBERT                                                      

                                                   HENRY, CANDACE                                                     
                                            ADDRESS     :    4315 MAYAPAN DRIVE                                       
  MORTGAGE AMT:       227,500.00            CITY               LA MESA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91941                                             
  UNPAID BALANCE:    227,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,475.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.83333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070724026               MORTGAGORS:        WINSLOW, CRAIG                                                     

                                                   WINSLOW, KIMBERLY                                                  
                                            ADDRESS     :    4 WAGON WHEEL LANE                                       
  MORTGAGE AMT:       302,000.00            CITY               WESTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CT   06883                                             
  UNPAID BALANCE:    302,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,983.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.44156            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070724083               MORTGAGORS:        HAUCK, KENNETH                                                     

                                                   HAUCK, BETH                                                        
                                            ADDRESS     :    4003 JONES BRIDGE ROAD                                   
  MORTGAGE AMT:       413,600.00            CITY               CHEVY CHASE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20815                                             
  UNPAID BALANCE:    413,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,751.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.65079            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070725056               MORTGAGORS:        OVERSTREET, MONTE                                                  
                                            ADDRESS     :    8866 COLLINGWOOD DRIVE                                   
  MORTGAGE AMT:     1,070,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90069                                             
  UNPAID BALANCE:     1,068,283.            OPTION TO CONVERT :      No                                               
                             590                                                                                      
  MONTHLY P&I:          7,208.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.87500            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070725296               MORTGAGORS:        BARKER, EDWIN                                                      

                                                   BARKER, ANN                                                        
                                            ADDRESS     :    5401 TORTUGA TRAIL                                       
  MORTGAGE AMT:       255,500.00            CITY               AUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               TX   78731                                             
  UNPAID BALANCE:    255,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,721.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.61538            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070732706               MORTGAGORS:        JOHNSON, KENNETH                                                   

                                                   JOHNSON, SHARON                                                    
                                            ADDRESS     :    324 LAKELAND DRIVE                                       
  MORTGAGE AMT:       358,250.00            CITY               HIGHLAND VI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               TX   75077                                             
  UNPAID BALANCE:    358,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,413.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.29412            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070735204               MORTGAGORS:        NOUR, BADIOLLAH                                                    
                                            ADDRESS     :    134 WHIPPLE DRIVE                                        
  MORTGAGE AMT:       328,200.00            CITY               BELLAIRE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               TX   77401                                             
  UNPAID BALANCE:    328,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,211.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.37762            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070736509               MORTGAGORS:        MAXWELL, STEVEN                                                    

                                                   MAXWELL, HELEN                                                     
                                            ADDRESS     :    234 BROOKLINE STREET                                     
  MORTGAGE AMT:       350,000.00            CITY               NEEDHAM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02192                                             
  UNPAID BALANCE:    349,438.570            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,358.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.30800            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070740899               MORTGAGORS:        PEARL, ALEX                                                        

                                                   DELFINER PEA, SHARON                                               
                                            ADDRESS     :    1257 BOBARN DRIVE                                        
  MORTGAGE AMT:       429,500.00            CITY               PENN VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               PA   19072                                             
  UNPAID BALANCE:    429,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,714.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.10448            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070742374               MORTGAGORS:        BEAHRS, CLAUDETTE                                                  
                                            ADDRESS     :    1885 CARNAHAN STREET                                     
  MORTGAGE AMT:       287,000.00            CITY               ARCH CAPE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               OR   97102                                             
  UNPAID BALANCE:    286,669.610            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,814.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.41176            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070746680               MORTGAGORS:        SUBRAMANIAM, BHUMA                                                 

                                                   VICTOR, THOMAS                                                     
                                            ADDRESS     :    1844 CHANNING WAY                                        
  MORTGAGE AMT:       334,300.00            CITY               BERKELEY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94703                                             
  UNPAID BALANCE:    334,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,389.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.33945            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/24                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:114                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070749858               MORTGAGORS:        HENRY, SCOTT                                                       

                                                   HENRY, LIANE                                                       
                                            ADDRESS     :    6443 PINION STREET                                       
  MORTGAGE AMT:       230,000.00            CITY               AGOURA HILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91301                                             
  UNPAID BALANCE:    230,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,530.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.96610            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070753405               MORTGAGORS:        RO, CHRIS                                                          

                                                   RO, CHRISTINA                                                      
                                            ADDRESS     :    5727 VIA DE MANSION                                      
  MORTGAGE AMT:       304,000.00            CITY               LA VERNE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91750                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,048.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070754817               MORTGAGORS:        ALDERMAN, DANIEL                                                   

                                                   ALDERMAN, CHRISTINE                                                
                                            ADDRESS     :    17726 TUSCAN DRIVE                                       
  MORTGAGE AMT:       284,000.00            CITY               GRANADA HIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91344                                             
  UNPAID BALANCE:    284,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,937.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070760848               MORTGAGORS:        STEINER, MARK                                                      

                                                   STEINER, LINDA                                                     
                                            ADDRESS     :    27 REVERKNOLLS                                           
  MORTGAGE AMT:       351,500.00            CITY               AV0N                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CT   06001                                             
  UNPAID BALANCE:    351,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,338.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 54.08000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070762232               MORTGAGORS:        WEBBER SMALL, SEAN                                                 
                                            ADDRESS     :    15249 MUHOLLAND DRIVE                                    
  MORTGAGE AMT:       300,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90077                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.81166            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070762893               MORTGAGORS:        MEACHAM, GREGORY                                                   

                                                   DUPART MEACH, ATHENA                                               
                                            ADDRESS     :    209 TENBY COURT                                          
  MORTGAGE AMT:       297,000.00            CITY               ROSEVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95747                                             
  UNPAID BALANCE:    297,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,000.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.85714            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070762968               MORTGAGORS:        EKREN, CHRISTOPHE                                                  
                                            ADDRESS     :    18709 PASEO LADO                                         
  MORTGAGE AMT:       323,200.00            CITY               SARATOGA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95070                                             
  UNPAID BALANCE:    323,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,204.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.65517            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070765607               MORTGAGORS:        HINTON, ROBERT                                                     
                                            ADDRESS     :    450 WESTVIEW AVENUE                                      
  MORTGAGE AMT:       261,600.00            CITY               ENGLEWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               NJ   07631                                             
  UNPAID BALANCE:    261,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,874.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070767447               MORTGAGORS:        TABLANG, KENNETH                                                   

                                                   BARNES TABLA, GINA                                                 
                                            ADDRESS     :    3317   3319 FIRST AVENUE                                 
  MORTGAGE AMT:       364,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92103                                             
  UNPAID BALANCE:    364,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,483.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.83333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070772256               MORTGAGORS:        PRASAD, GANESH                                                     

                                                   PRASAD, REKHA                                                      
                                            ADDRESS     :    131 ROUND TOP ROAD                                       
  MORTGAGE AMT:       380,000.00            CITY               BERNARDSVIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07924                                             
  UNPAID BALANCE:    380,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,592.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070772850               MORTGAGORS:        BAVLI, ERAN                                                        

                                                   BAVLI, DAPHNA                                                      
                                            ADDRESS     :    201 WEST 70TH STREET 32F                                 
  MORTGAGE AMT:       228,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               NY   10023                                             
  UNPAID BALANCE:    228,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,613.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070773015               MORTGAGORS:        BAKALCHUCK, LEONARD                                                
                                            ADDRESS     :    40 EAST 19TH STREET 9R                                   
  MORTGAGE AMT:       370,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NY   10003                                             
  UNPAID BALANCE:    369,725.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,587.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.60575            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070773114               MORTGAGORS:        SCHWARTZ, KENNETH                                                  

                                                   SCHWARTZ, CHERYL                                                   
                                            ADDRESS     :    15 FAIRFIELD TERRACE                                     
  MORTGAGE AMT:       387,000.00            CITY               SHORT HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   07078                                             
  UNPAID BALANCE:    387,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,672.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070774641               MORTGAGORS:        PONCE, RICHARD                                                     

                                                   PONCE, CYNTHIA                                                     
                                            ADDRESS     :    50 LA VONNE DRIVE                                        
  MORTGAGE AMT:       260,000.00            CITY               CAMPBELL                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95008                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.86364            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070776604               MORTGAGORS:        COLEMAN, KEVIN                                                     

                                                   COLEMAN, ROBIN                                                     
                                            ADDRESS     :    4 POLHEMUS DR                                            
  MORTGAGE AMT:       259,000.00            CITY               HILLSBOROUG                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08502                                             
  UNPAID BALANCE:    259,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,744.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.40118            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070779202               MORTGAGORS:        RAMIA, EDWARD                                                      

                                                   RAMIA, VERONICA                                                    
                                            ADDRESS     :    18809 FAIRFIELD ROAD                                     
  MORTGAGE AMT:       410,700.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   91326                                             
  UNPAID BALANCE:    410,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,906.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96994            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070779806               MORTGAGORS:        SMITH, DAVID                                                       
                                            ADDRESS     :    1643 94TH AVENUE NORTHEAS                                
  MORTGAGE AMT:     1,000,000.00            CITY               CLYDE HILL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               WA   98004                                             
  UNPAID BALANCE:     1,000,000.            OPTION TO CONVERT :      No                                               
                             000                                                                                      
  MONTHLY P&I:          6,992.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 32.26000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070780333               MORTGAGORS:        HEINTZ, VELVA                                                      
                                            ADDRESS     :    12027 NE FARGO COURT                                     
  MORTGAGE AMT:       320,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.00000                               OR   97220                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,348.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070781232               MORTGAGORS:        MELZIG, KRISTIN                                                    

                                                   MELZIG, ERIC                                                       
                                            ADDRESS     :    130 WEST 67TH STREET                                     
  MORTGAGE AMT:        90,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   10023                                             
  UNPAID BALANCE:     89,931.510            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            621.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 52.23447            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070782602               MORTGAGORS:        MALONE, D                                                          
                                                   MALONE, DONNA                                                      
                                                   MALONE, DONNA                                                      
                                            ADDRESS     :    9208 BEXLEYWOOD COURT                                    
  MORTGAGE AMT:       376,300.00            CITY               FAIRFAX STA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               VA   22039                                             
  UNPAID BALANCE:    376,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,535.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.74793            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070783600               MORTGAGORS:        MORRISON, CLIFFORD                                                 

                                                   CASTILLO, MIGUEL                                                   
                                            ADDRESS     :    1343 BARROWS ROAD                                        
  MORTGAGE AMT:       318,900.00            CITY               OAKLAND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94610                                             
  UNPAID BALANCE:    318,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,520.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.86667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070785340               MORTGAGORS:        GOMES, JOSEPH                                                      

                                                   GOMES, MARY                                                        
                                            ADDRESS     :    55 WAUREGAN RD                                           
  MORTGAGE AMT:        37,400.00            CITY               BROOKLYN                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CT   06234                                             
  UNPAID BALANCE:     37,321.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            261.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.58621            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070787312               MORTGAGORS:        COIL, LELAND                                                       

                                                   COIL, SHERYL                                                       
                                            ADDRESS     :    3875 JAMIESON CANYON                                     
  MORTGAGE AMT:       473,000.00            CITY               AMERICAN CA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94589                                             
  UNPAID BALANCE:    473,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,495.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.97802            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/24                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:114                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070787759               MORTGAGORS:        KATSAMAKIS, CLIFFORD                                               

                                                   KATSAMAKIS, YVONNE                                                 
                                            ADDRESS     :    160 PARKSIDE DRIVE                                       
  MORTGAGE AMT:       200,000.00            CITY               ROSLYN HEIG                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NY   11577                                             
  UNPAID BALANCE:    200,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,364.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.14286            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070788195               MORTGAGORS:        PAREDES, LAURENCE                                                  

                                                   DRUMM PAREDE, ELISABETH                                            
                                            ADDRESS     :    537 FLAX HILL ROAD                                       
  MORTGAGE AMT:       340,000.00            CITY               NORWALK                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CT   06854                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,205.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070789326               MORTGAGORS:        GUADAGNINI, FRANK                                                  

                                                   GUADAGNINI, KATHLEEN                                               
                                            ADDRESS     :    17931 WHITFORD LANE                                      
  MORTGAGE AMT:       300,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92649                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,072.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070791447               MORTGAGORS:        BELFROM, CLELIA                                                    
                                            ADDRESS     :    170 WEST END AVENUE                                      
  MORTGAGE AMT:       100,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NY   10023                                             
  UNPAID BALANCE:     99,925.790            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            699.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 40.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070793781               MORTGAGORS:        MILLER, JOELLE                                                     
                                                   MILLER, JOHN                                                       
                                                   SILVERMAN, ALAN                                                    
                                            ADDRESS     :    144 WEST 27TH STREET                                     
  MORTGAGE AMT:       340,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NY   10023                                             
  UNPAID BALANCE:    339,721.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,262.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070797972               MORTGAGORS:        RIVA, JULIA                                                        
                                            ADDRESS     :    1417 BLUEBIRD AVENUE                                     
  MORTGAGE AMT:       547,600.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90069                                             
  UNPAID BALANCE:    547,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,002.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 45.63333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/24                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:114                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070799119               MORTGAGORS:        HYUN, KEESUP                                                       

                                                   HYUN, YUNG                                                         
                                            ADDRESS     :    1871 CONEJO LANE                                         
  MORTGAGE AMT:       268,750.00            CITY               FULLERTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92633                                             
  UNPAID BALANCE:    268,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,856.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.13314            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070799408               MORTGAGORS:        BATTERTON, BRET                                                    

                                                   BATTERTON, RHONDA                                                  
                                            ADDRESS     :    2202 STALLION DRIVE                                      
  MORTGAGE AMT:       251,100.00            CITY               NORCO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91760                                             
  UNPAID BALANCE:    251,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,734.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.58621            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070800503               MORTGAGORS:        PETE, RONALD                                                       

                                                   PETE, ABBY                                                         
                                            ADDRESS     :    719 GLENGARY RD                                          
  MORTGAGE AMT:       400,000.00            CITY               PHILADELPHI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               PA   19118                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,796.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.17241            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070800545               MORTGAGORS:        PASILLAS, RALPH                                                    

                                                   PASILLAS, SUSAN                                                    
                                            ADDRESS     :    1514 SOUTH BELLGREEN DRIV                                
  MORTGAGE AMT:       229,500.00            CITY               WHITTIER                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90601                                             
  UNPAID BALANCE:    229,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,831.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:104                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070800651               MORTGAGORS:        INGULLI, ALFRED                                                    
                                                   GUTIERREZ, TEOFILO                                                 
                                                   INGULLI, REGINA                                                    
                                            ADDRESS     :    27 PICKETTS RIDGE ROAD                                   
  MORTGAGE AMT:       277,600.00            CITY               REDDING                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CT   06896                                             
  UNPAID BALANCE:    277,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,893.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.19718            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070800826               MORTGAGORS:        LEI, BEN TSE MI                                                    

                                                   LEI, RENA                                                          
                                            ADDRESS     :    3000 ERIN COURT                                          
  MORTGAGE AMT:       416,100.00            CITY               GLENDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91206                                             
  UNPAID BALANCE:    416,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,873.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.79612            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070801808               MORTGAGORS:        WILLIAMS, ALFRED                                                   

                                                   WILLIAMS, JEANETTE                                                 
                                            ADDRESS     :    4601 SCOTIA AVENUE                                       
  MORTGAGE AMT:       219,950.00            CITY               OAKLAND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94605                                             
  UNPAID BALANCE:    219,950.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,519.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.59615            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070802285               MORTGAGORS:        BRAUN, CRAIG                                                       
                                            ADDRESS     :    198 BARNEGAT RD                                          
  MORTGAGE AMT:       500,000.00            CITY               POUND RIDGE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NY   10576                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,368.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.11409            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070803879               MORTGAGORS:        TUCKER, JOHN                                                       

                                                   TUCKER, MERLENE                                                    
                                            ADDRESS     :    1015 MERCER ROAD                                         
  MORTGAGE AMT:       365,000.00            CITY               PRINCETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   08540                                             
  UNPAID BALANCE:    365,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,520.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.84211            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070804968               MORTGAGORS:        FRISHER, MICHAEL                                                   

                                                   FRISHER, DEBORAH                                                   
                                            ADDRESS     :    32 EAST PARK DRIVE                                       
  MORTGAGE AMT:       260,000.00            CITY               OLD BETHPAG                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NY   11804                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,817.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.65517            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070806260               MORTGAGORS:        ROBBINS, CLAY                                                      
                                            ADDRESS     :    2 ENCANTADO PLACE                                        
  MORTGAGE AMT:       245,000.00            CITY               HOT SPRINGS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               AR   71909                                             
  UNPAID BALANCE:    245,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,671.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.41739            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070807201               MORTGAGORS:        GOODSON, ALLEN                                                     

                                                   GOODSON, JULIE                                                     
                                            ADDRESS     :    750 GARLAND WAY                                          
  MORTGAGE AMT:       267,000.00            CITY               BRENTWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94513                                             
  UNPAID BALANCE:    267,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,821.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.82228            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070808886               MORTGAGORS:        FAINE, BARBARA                                                     

                                                   OLLER, CATHERINE                                                   
                                            ADDRESS     :    306 NORTH 77TH STREET                                    
  MORTGAGE AMT:       239,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98103                                             
  UNPAID BALANCE:    239,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,630.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070810890               MORTGAGORS:        HOPKINS, CASSANDRA                                                 

                                                   HOPKINS, ROBERT                                                    
                                            ADDRESS     :    10 RICHMOND DRIVE                                        
  MORTGAGE AMT:       325,000.00            CITY               Old Greenwich                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CT   06870                                             
  UNPAID BALANCE:    325,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,189.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.13000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070811542               MORTGAGORS:        CROSSMAN, GEORGE                                                   

                                                   CROSSMAN, CHRISTINA                                                
                                            ADDRESS     :    14 WEST END AVENUE                                       
  MORTGAGE AMT:       302,400.00            CITY               OLD GREENWI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.12500                               CT   06870                                             
  UNPAID BALANCE:    302,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,245.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070812391               MORTGAGORS:        MOORE, HERB                                                        

                                                   MOORE, TAMARA                                                      
                                            ADDRESS     :    28182 ANGELICA PLACE                                     
  MORTGAGE AMT:       328,000.00            CITY               VALENCIA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91354                                             
  UNPAID BALANCE:    328,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,154.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070813142               MORTGAGORS:        INTRILIGATOR, MARC                                                 

                                                   INTRILIGATOR, ROXANN                                               
                                            ADDRESS     :    22 WESTMINSTER DRIVE                                     
  MORTGAGE AMT:       264,000.00            CITY               CROTON HUDS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NY   10520                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,800.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070816079               MORTGAGORS:        WITTEKIND, DAVID                                                   

                                                   WITTEKIND, LYNN                                                    
                                            ADDRESS     :    626 NORTH MONROE AVENUE                                  
  MORTGAGE AMT:       375,300.00            CITY               RIVER FORES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60305                                             
  UNPAID BALANCE:    375,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,560.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070816608               MORTGAGORS:        PEARLMAN, LOUIS                                                    

                                                   PEARLMAN, LAURA                                                    
                                            ADDRESS     :    85 GLEN CROSS ROAD                                       
  MORTGAGE AMT:       420,000.00            CITY               WELLESLEY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               MA   02181                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,689.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.14286            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070816699               MORTGAGORS:        TRINO, JOSEPH                                                      

                                                   TRINO, MARY                                                        
                                            ADDRESS     :    305 HIGH BRIDGE CHASE                                    
  MORTGAGE AMT:       374,615.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30202                                             
  UNPAID BALANCE:    374,615.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,523.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.67103            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070817473               MORTGAGORS:        MCNALLY, MICHAEL                                                   

                                                   MCNALLY, MARTHA                                                    
                                            ADDRESS     :    58 FAIRVIEW STREET                                       
  MORTGAGE AMT:       328,750.00            CITY               HOLLISTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   01746                                             
  UNPAID BALANCE:    328,260.510            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,298.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.02682            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070818463               MORTGAGORS:        RODRIGUES, DEREK                                                   

                                                   KAUKONEN, LARISA                                                   
                                            ADDRESS     :    8520 NORTHEAST 119TH STRE                                
  MORTGAGE AMT:       644,000.00            CITY               KIRKLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98034                                             
  UNPAID BALANCE:    644,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,041.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.53659            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070818505               MORTGAGORS:        SLAGLE, VERNON                                                     

                                                   SLAGLE, MAUREEN                                                    
                                            ADDRESS     :    11100 NE 24TH STREET                                     
  MORTGAGE AMT:       265,000.00            CITY               BELLEVUE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               WA   98004                                             
  UNPAID BALANCE:    265,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,830.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070818646               MORTGAGORS:        GROSSMAN, MICHAEL                                                  

                                                   GROSSMAN, JUDITH                                                   
                                            ADDRESS     :    1441 N KEYSTONE AVENUE                                   
  MORTGAGE AMT:       456,000.00            CITY               RIVER FORES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60305                                             
  UNPAID BALANCE:    456,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,072.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070819412               MORTGAGORS:        XU, HUIMIN                                                         

                                                   TU, JIANG                                                          
                                            ADDRESS     :    33 ARCOLA STREET                                         
  MORTGAGE AMT:       241,000.00            CITY               LEXINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02173                                             
  UNPAID BALANCE:    241,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,623.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.92989            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070820055               MORTGAGORS:        UNGAR, AHARON                                                      

                                                   UNGAR, JENNIFER                                                    
                                            ADDRESS     :    4345 N MERIDIAN AVENUE                                   
  MORTGAGE AMT:       600,000.00            CITY               MIAMI                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               FL   33140                                             
  UNPAID BALANCE:    600,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,144.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 54.54545            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070820220               MORTGAGORS:        GELBARD, CLIFFORD                                                  
                                                   GELBARD, GAYLE                                                     

                                                   GELBARD, GAYLE                                                     
                                            ADDRESS     :    433 LINKS DRIVE                                          
  MORTGAGE AMT:       636,000.00            CITY               NORTH HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NY   11576                                             
  UNPAID BALANCE:    636,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,883.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070820972               MORTGAGORS:        VOSS, F                                                            

                                                   ROBERTS, JAMI                                                      
                                            ADDRESS     :    2201 S CANFIELD AVENUE                                   
  MORTGAGE AMT:       378,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90034                                             
  UNPAID BALANCE:    378,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,546.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.75221            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070821087               MORTGAGORS:        LAPADO, RICHARD                                                    

                                                   LAPADO, STEPHANIE                                                  
                                            ADDRESS     :    65 TENNANT AVENUE                                        
  MORTGAGE AMT:       276,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95138                                             
  UNPAID BALANCE:    276,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,882.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.85714            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070821251               MORTGAGORS:        NANDAGOPAL, RAGHAV                                                 

                                                   NANDAGOPAL, NEENA                                                  
                                            ADDRESS     :    42 OAK STREET                                            
  MORTGAGE AMT:       441,280.00            CITY               WESTPORT                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CT   06880                                             
  UNPAID BALANCE:    441,280.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,898.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070822218               MORTGAGORS:        LIDDY, JOSEPH                                                      
                                            ADDRESS     :    307 PITNEY AVE                                           
  MORTGAGE AMT:       399,000.00            CITY               SPRING LAKE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               NJ   07762                                             
  UNPAID BALANCE:    399,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,893.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070823356               MORTGAGORS:        KIM, JOONG                                                         

                                                   KIM, IL                                                            
                                            ADDRESS     :    12647 MISTY PLACE                                        
  MORTGAGE AMT:       515,000.00            CITY               CERRITOS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   90703                                             
  UNPAID BALANCE:    515,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,689.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.23077            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070823679               MORTGAGORS:        RIVERA, CHRISTOPHER                                                
                                                   RIVERA, VICTOR                                                     
                                                   RIVERA, VICTOR                                                     
                                                   RIVERA, CARRIE                                                     
                                            ADDRESS     :    245 EAST 54TH STREET, UNI                                
  MORTGAGE AMT:       134,800.00            CITY               New York                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               NY   10022                                             
  UNPAID BALANCE:    134,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            954.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070823687               MORTGAGORS:        CARSON, D                                                          

                                                   LUNDQUIST, INGRID                                                  
                                            ADDRESS     :    7373 CHRISTOPHER DRIVE                                   
  MORTGAGE AMT:       282,000.00            CITY               POLAND                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               OH   44514                                             
  UNPAID BALANCE:    282,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,102.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070824685               MORTGAGORS:        MILLER, BRADLEY                                                    

                                                   MILLER, DIANNE                                                     
                                            ADDRESS     :    4107 EDITH COURT                                         
  MORTGAGE AMT:       402,400.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               TX   75209                                             
  UNPAID BALANCE:    402,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,745.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.44055            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070824727               MORTGAGORS:        LODWIG, RICHARD                                                    
                                                   LODWIG, SANDRA                                                     
                                            ADDRESS     :    8517 CHURCHILL DOWNS ROAD                                
  MORTGAGE AMT:       316,000.00            CITY               GAITHERSBUR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   20882                                             
  UNPAID BALANCE:    316,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070826300               MORTGAGORS:        GOODMON, BRIAN                                                     
                                                   PIERRE, CLAUDETTE                                                  

                                                   PIERRE, CLAUDETTE                                                  
                                            ADDRESS     :    286 GROVE STREET                                         
  MORTGAGE AMT:       326,750.00            CITY               BELMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   02178                                             
  UNPAID BALANCE:    326,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,284.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98547            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070826334               MORTGAGORS:        MOORE, VIRGIL                                                      

                                                   LAND MOORE, DAYLE                                                  
                                            ADDRESS     :    12650 LARCHMONT AVENUE                                   
  MORTGAGE AMT:       436,000.00            CITY               SARATOGA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95070                                             
  UNPAID BALANCE:    436,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,974.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 52.21557            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070826748               MORTGAGORS:        BARNETT, ROBERT                                                    

                                                   CINELLI, MICHAEL                                                   
                                            ADDRESS     :    22 LATHAM STREET                                         
  MORTGAGE AMT:       236,000.00            CITY               SAG HARBOR                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.12500                               NY   11963                                             
  UNPAID BALANCE:    236,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,752.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070827134               MORTGAGORS:        ELLIOTT, DAVID                                                     
                                            ADDRESS     :    19 WEBB CREEK PLACE                                      
  MORTGAGE AMT:       286,320.00            CITY               THE WOODLAN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               TX   77382                                             
  UNPAID BALANCE:    286,320.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,857.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070827910               MORTGAGORS:        ROSENBLATT, DANIEL                                                 

                                                   BARAN, JANICE                                                      
                                            ADDRESS     :    5493 KATHERINE AVE                                       
  MORTGAGE AMT:       288,000.00            CITY               SHERMAN OAK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91401                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,989.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.83784            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070827928               MORTGAGORS:        BELLO, EUSEBIO                                                     

                                                   BELLO, JULIANA                                                     
                                            ADDRESS     :    544 MILTON DRIVE                                         
  MORTGAGE AMT:       391,500.00            CITY               SAN GABRIEL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91775                                             
  UNPAID BALANCE:    391,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,094.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.48571            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070828678               MORTGAGORS:        ROSENBERG, MARC                                                    
                                            ADDRESS     :    11 LASALLE ROAD                                          
  MORTGAGE AMT:       260,500.00            CITY               MONTCLAIR                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NJ   07042                                             
  UNPAID BALANCE:    260,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,711.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.36986            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070828892               MORTGAGORS:        GROSS, CHERYL                                                      

                                                   HADEEN, CARL                                                       
                                            ADDRESS     :    5304 230TH STREET SOUTHWE                                
  MORTGAGE AMT:       175,000.00            CITY               MOUNTLAKE T                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98043                                             
  UNPAID BALANCE:    175,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,149.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 91.14583            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070829072               MORTGAGORS:        DEVINE, THOMAS                                                     

                                                   DEVINE, PATRICIA                                                   
                                            ADDRESS     :    11 TEODORA COURT                                         
  MORTGAGE AMT:       307,500.00            CITY               MORAGA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94556                                             
  UNPAID BALANCE:    307,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,020.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 47.30769            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070829155               MORTGAGORS:        PARIS, DONALD                                                      

                                                   PARIS, LISA                                                        
                                            ADDRESS     :    9 TOBOGGAN HILL PATH                                     
  MORTGAGE AMT:       650,000.00            CITY               COLD SPRING                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NY   11724                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,270.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.06122            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070829296               MORTGAGORS:        KARL, ROBERT                                                       

                                                   KARL, STACIE                                                       
                                            ADDRESS     :    30 WILDHEDGE LANE                                        
  MORTGAGE AMT:       332,000.00            CITY               HOLMDEL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               NJ   07733                                             
  UNPAID BALANCE:    332,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,378.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070830724               MORTGAGORS:        BARTON, JON                                                        

                                                   BARTON, EMILY                                                      
                                            ADDRESS     :    925 E CHASE AVENUE                                       
  MORTGAGE AMT:       350,000.00            CITY               EL CAJON                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92020                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,477.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.26882            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070831128               MORTGAGORS:        YAMAKOSHI, JUNYA                                                   

                                                   YAMAKOSHI, HANAKO                                                  
                                            ADDRESS     :    12239 ALISON DRIVE                                       
  MORTGAGE AMT:       397,500.00            CITY               CAMARILLO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   93012                                             
  UNPAID BALANCE:    397,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,745.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.35398            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070831375               MORTGAGORS:        KLEIN, RALPH                                                       

                                                   KLEIN, MERRYL                                                      
                                            ADDRESS     :    35 EAST 85TH STREET # 5C                                 
  MORTGAGE AMT:       350,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NY   10028                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,299.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 36.84211            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070831466               MORTGAGORS:        CZUBKOWSKI, STANLEY                                                

                                                   CZUBKOWSKI, IZABELLE                                               
                                            ADDRESS     :    22 MOUNT PLEASANT ROAD                                   
  MORTGAGE AMT:       130,000.00            CITY               COLUMBIA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   07832                                             
  UNPAID BALANCE:    130,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            897.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 48.50746            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070832233               MORTGAGORS:        YOUNG, ROBERT                                                      

                                                   YOUNG, DEBORAH                                                     
                                            ADDRESS     :    1882 SHERIDAN AVE                                        
  MORTGAGE AMT:       529,700.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92103                                             
  UNPAID BALANCE:    529,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,658.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.06207            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070834296               MORTGAGORS:        KULIGOWSKI, MARK                                                   

                                                   KULIGOWSKI, TRACY                                                  
                                            ADDRESS     :    10 YOGANANDA STREET                                      
  MORTGAGE AMT:       364,000.00            CITY               SANDY HOOK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CT   06482                                             
  UNPAID BALANCE:    364,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,545.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070835012               MORTGAGORS:        WITMER, RICHARD                                                    

                                                   SANTACROCE, TERESA                                                 
                                            ADDRESS     :    2540 1/2 FOOTHILL DRIVE                                  
  MORTGAGE AMT:       320,000.00            CITY               VISTA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92084                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,210.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.72727            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070835574               MORTGAGORS:        KIRZNER, JEFFREY                                                   

                                                   PETERS KIRZN, CHRISTINE                                            
                                            ADDRESS     :    25 MINERS TRAIL                                          
  MORTGAGE AMT:       249,800.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92720                                             
  UNPAID BALANCE:    249,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,704.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.30159            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070836028               MORTGAGORS:        SPIRO, STEVEN                                                      
                                            ADDRESS     :    155 W 20 ST 2-F                                          
  MORTGAGE AMT:        79,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   10011                                             
  UNPAID BALANCE:     79,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            545.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.75410            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070836689               MORTGAGORS:        GOLNER, GERALD                                                     
                                            ADDRESS     :    6418 NORTH 28TH STREET                                   
  MORTGAGE AMT:       349,950.00            CITY               PHOENIX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85016                                             
  UNPAID BALANCE:    349,950.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,417.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.41837            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070838594               MORTGAGORS:        NIELSEN, MARK                                                      

                                                   NIELSEN, LORELEI                                                   
                                            ADDRESS     :    1495 MONTANA SERENA COURT                                
  MORTGAGE AMT:       375,000.00            CITY               EL CAJON                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92021                                             
  UNPAID BALANCE:    375,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,590.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.18182            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070838701               MORTGAGORS:        BURICA, TIMOTHY                                                    
                                            ADDRESS     :    235 EAST 22ND STREET  10Q                                
  MORTGAGE AMT:        94,500.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               NY   10010                                             
  UNPAID BALANCE:     94,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            685.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070839410               MORTGAGORS:        CARPER, KYLE                                                       
                                            ADDRESS     :    14581 WATERVIEW CIRCLE                                   
  MORTGAGE AMT:       150,000.00            CITY               ADDISON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               TX   75001                                             
  UNPAID BALANCE:    150,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            960.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.17073            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070842646               MORTGAGORS:        LEE, SHI                                                           

                                                   LEE, JENNY                                                         
                                            ADDRESS     :    933 24TH STREET                                          
  MORTGAGE AMT:       277,600.00            CITY               HERMOSA BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90254                                             
  UNPAID BALANCE:    277,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,870.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.96429            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070842737               MORTGAGORS:        COULTER, GREGORY                                                   

                                                   COULTER, SILVIJA                                                   
                                            ADDRESS     :    20630 NE 28TH COURT                                      
  MORTGAGE AMT:       481,500.00            CITY               REDMOND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98053                                             
  UNPAID BALANCE:    481,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,203.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070844691               MORTGAGORS:        LEE, EDMUND                                                        

                                                   HU, LINDA                                                          
                                            ADDRESS     :    143 MATISSE CIRCLE                                       
  MORTGAGE AMT:       143,000.00            CITY               ALISO VIEJO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92656                                             
  UNPAID BALANCE:    143,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            975.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.99559            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070844741               MORTGAGORS:        MANESE, DARIO                                                      

                                                   MANESE, LIZA                                                       
                                            ADDRESS     :    18915 EAST LANGSTON PLACE                                
  MORTGAGE AMT:       251,250.00            CITY               ROWLAND HEI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91748                                             
  UNPAID BALANCE:    251,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,692.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.40634            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070845425               MORTGAGORS:        EMARD, WAYNE                                                       

                                                   EMARD, LAURA                                                       
                                            ADDRESS     :    171 LARK LANE                                            
  MORTGAGE AMT:       412,500.00            CITY               MILL VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94941                                             
  UNPAID BALANCE:    412,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,779.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070845755               MORTGAGORS:        CAYLEY, PAUL                                                       

                                                   LACH, BARBARA                                                      
                                            ADDRESS     :    4416 192ND PLACE SE                                      
  MORTGAGE AMT:       264,000.00            CITY               ISSAQUAH                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98027                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,734.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070847231               MORTGAGORS:        FLOYD, LARRY                                                       

                                                   FLOYD, NANCY                                                       
                                            ADDRESS     :    2525 S REIF ROAD                                         
  MORTGAGE AMT:       500,000.00            CITY               POWELL BUTT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.25000                               OR   97753                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,756.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.92308            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070847850               MORTGAGORS:        O BRIEN, THOMAS                                                    

                                                   O BRIEN, SHAROYN                                                   
                                            ADDRESS     :    28 CHOATE STREET                                         
  MORTGAGE AMT:       275,500.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92620                                             
  UNPAID BALANCE:    275,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,879.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.60563            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070847900               MORTGAGORS:        WITTE, DAVID                                                       

                                                   WITTE, LLIAN                                                       
                                            ADDRESS     :    23 SWAN ISLE BOULEVARD                                   
  MORTGAGE AMT:       453,300.00            CITY               MISSOURI CI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               TX   77459                                             
  UNPAID BALANCE:    453,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,092.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.73846            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070848536               MORTGAGORS:        ADELBERG, JOEL                                                     

                                                   ADELBERG, DEBORAH                                                  
                                            ADDRESS     :    2 BYRAM RIDGE ROAD                                       
  MORTGAGE AMT:       294,000.00            CITY               ARMONK                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               NY   10504                                             
  UNPAID BALANCE:    294,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,906.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070848817               MORTGAGORS:        HAGAN, DAVID                                                       

                                                   BERGEN, JANE                                                       
                                            ADDRESS     :    28 CANTERBURY LANE                                       
  MORTGAGE AMT:       480,000.00            CITY               WESTFIELD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07090                                             
  UNPAID BALANCE:    480,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,274.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.30343            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070848890               MORTGAGORS:        CLARKE, AMANDA                                                     
                                            ADDRESS     :    1040 BRODERICK STREET                                    
  MORTGAGE AMT:       464,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   94115                                             
  UNPAID BALANCE:    464,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,284.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070849112               MORTGAGORS:        COMER, KEVIN                                                       
                                            ADDRESS     :    99 JANE STREET                                           
  MORTGAGE AMT:       636,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   10014                                             
  UNPAID BALANCE:    636,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,392.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070849401               MORTGAGORS:        BARTLETT, THOMAS                                                   
                                            ADDRESS     :    180 TURN OF RIVER ROAD                                   
  MORTGAGE AMT:       272,000.00            CITY               STAMFORD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CT   06905                                             
  UNPAID BALANCE:    272,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,855.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070849773               MORTGAGORS:        CORVIN, STUART                                                     
                                            ADDRESS     :    4 ROLLING HILLS ROAD                                     
  MORTGAGE AMT:       735,000.00            CITY               TIBURON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94920                                             
  UNPAID BALANCE:    735,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,076.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070850102               MORTGAGORS:        DANTAS, PAUL                                                       

                                                   DANTAS, LEONORA                                                    
                                            ADDRESS     :    01544 SW MARY FAILING COU                                
  MORTGAGE AMT:       360,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               OR   97219                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,395.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 46.15385            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070850193               MORTGAGORS:        FINN, M                                                            

                                                   FINN, BETH                                                         
                                            ADDRESS     :    5528 CAMINITO VISTA LUJO                                 
  MORTGAGE AMT:       404,800.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92130                                             
  UNPAID BALANCE:    404,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,795.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070850284               MORTGAGORS:        MCKINNEY, RICHARD                                                  
                                            ADDRESS     :    1310 CALIFORNIA AVE SW                                   
  MORTGAGE AMT:       294,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.00000                               WA   98116                                             
  UNPAID BALANCE:    294,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,157.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 44.21053            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070850300               MORTGAGORS:        PARRY, JULIA                                                       

                                                   RUDASHEVSKY, SERGE                                                 
                                            ADDRESS     :    802 NORTH RIOS AVENUE                                    
  MORTGAGE AMT:       656,100.00            CITY               SOLANA BEAC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   92075                                             
  UNPAID BALANCE:    656,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,700.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98986            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070850441               MORTGAGORS:        CHADO, STEVEN                                                      

                                                   CHADO, BEVERLY                                                     
                                            ADDRESS     :    8210 SKIPWITH DRIVE                                      
  MORTGAGE AMT:       273,000.00            CITY               FREDERICK                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   21702                                             
  UNPAID BALANCE:    273,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,951.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.92508            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/24                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:114                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070851613               MORTGAGORS:        HOLMGREN, MICHAEL                                                  

                                                   HOLMGREN, NINA                                                     
                                            ADDRESS     :    27 BIRCH COURT                                           
  MORTGAGE AMT:       454,400.00            CITY               RIDGEFIELD                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CT   06877                                             
  UNPAID BALANCE:    454,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,061.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070851696               MORTGAGORS:        HOFFMAN, PETER                                                     

                                                   HOFFMAN, GLORIA                                                    
                                            ADDRESS     :    5401 SEASHORE DRIVE                                      
  MORTGAGE AMT:       416,000.00            CITY               NEWPORT BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92663                                             
  UNPAID BALANCE:    416,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,802.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 34.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070852439               MORTGAGORS:        GRIFFIN, TIMOTHY                                                   

                                                   GRIFFIN, BARBARA                                                   
                                            ADDRESS     :    3014 SIMAS AVENUE                                        
  MORTGAGE AMT:       180,500.00            CITY               PINOLE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94564                                             
  UNPAID BALANCE:    180,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,262.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070852538               MORTGAGORS:        NEILS, TERRY                                                       

                                                   NEILS, HELEN                                                       
                                            ADDRESS     :    2106 28TH STREET                                         
  MORTGAGE AMT:       100,000.00            CITY               ANACORTES                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98221                                             
  UNPAID BALANCE:    100,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            665.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 38.46154            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070852611               MORTGAGORS:        CHALAKA, SRIDAR                                                    

                                                   WANG, JESSICA                                                      
                                            ADDRESS     :    916 GRAND AVENUE                                         
  MORTGAGE AMT:       415,000.00            CITY               EVERETT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98201                                             
  UNPAID BALANCE:    415,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,726.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.14679            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070852678               MORTGAGORS:        IVARSON, ERIC                                                      

                                                   IVARSON, DIANA                                                     
                                            ADDRESS     :    4503 141ST AVENUE SE                                     
  MORTGAGE AMT:       318,750.00            CITY               BELLEVUE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98006                                             
  UNPAID BALANCE:    318,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,147.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.61432            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070852983               MORTGAGORS:        BEVIS, GREGORY                                                     

                                                   BEVIS, MARY                                                        
                                            ADDRESS     :    3911 N. ROBERTS LANE                                     
  MORTGAGE AMT:       320,000.00            CITY               ARLINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22207                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.95238            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070853387               MORTGAGORS:        ZEITLIN, ANDREW                                                    

                                                   LOEB ZEITLIN, SUSAN                                                
                                            ADDRESS     :    201 COUNTRY RIDGE DRIVE                                  
  MORTGAGE AMT:       449,000.00            CITY               RYE BROOK                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NY   10573                                             
  UNPAID BALANCE:    449,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,987.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070853726               MORTGAGORS:        SCOTT, JACQUELINE                                                  
                                            ADDRESS     :    634 OVERTON BROOKS ROAD                                  
  MORTGAGE AMT:       360,000.00            CITY               SHREVEPORT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               LA   71106                                             
  UNPAID BALANCE:    359,712.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.65517            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070853734               MORTGAGORS:        SHARPLES, DONALD                                                   

                                                   SHARPLES, DIANNE                                                   
                                            ADDRESS     :    16614 AVENUE 320                                         
  MORTGAGE AMT:       260,000.00            CITY               VISALIA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   93292                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,795.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.15134            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070853999               MORTGAGORS:        SMALL, STEPHEN                                                     
                                            ADDRESS     :    10592 LINDBROOK DRIVE                                    
  MORTGAGE AMT:       650,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   90024                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,544.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.58140            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070854195               MORTGAGORS:        FELGAR, DONALD                                                     

                                                   KIM FELGAR, S                                                      
                                            ADDRESS     :    28415 SE ISSAQUAH FALL CI                                
  MORTGAGE AMT:       400,000.00            CITY               FALL CITY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98024                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,728.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070854492               MORTGAGORS:        PETERSON, GLORIA                                                   
                                            ADDRESS     :    301 EAST 64TH STREET #10G                                
  MORTGAGE AMT:       220,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   10021                                             
  UNPAID BALANCE:    220,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,519.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 50.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070854526               MORTGAGORS:        YOUNG, RICHARD                                                     

                                                   VASALY, ANN                                                        
                                            ADDRESS     :    34 WILLOW ROAD                                           
  MORTGAGE AMT:       280,000.00            CITY               WELLESLEY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02482                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,886.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070854682               MORTGAGORS:        GILLINGHAM, DAVID                                                  

                                                   GILLINGHAM, SUSAN                                                  
                                            ADDRESS     :    649 POMONA AVENUE                                        
  MORTGAGE AMT:       475,000.00            CITY               CORONADO                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92118                                             
  UNPAID BALANCE:    475,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,120.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 52.77778            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070854732               MORTGAGORS:        MITCHEFF, TARI                                                     
                                            ADDRESS     :    16449 SOUTH PINE HILL DRI                                
  MORTGAGE AMT:       285,000.00            CITY               LOCKPORT                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60441                                             
  UNPAID BALANCE:    285,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,209.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.66820            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070855184               MORTGAGORS:        MASSEY, HAROLD                                                     

                                                   MASSEY, MARY                                                       
                                            ADDRESS     :    3028 FLEMING AVE                                         
  MORTGAGE AMT:        50,400.00            CITY               LOUISVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               KY   40206                                             
  UNPAID BALANCE:     50,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            339.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.10811            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070855424               MORTGAGORS:        RUBIN, CRAIG                                                       

                                                   RUBIN, ELLEN                                                       
                                            ADDRESS     :    19136 GAYLE PLACE                                        
  MORTGAGE AMT:       285,200.00            CITY               TARZANA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91356                                             
  UNPAID BALANCE:    285,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,897.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.04211            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070855929               MORTGAGORS:        OWN, WU PING                                                       

                                                   OWN, CHIN SHUE                                                     
                                            ADDRESS     :    1901 W 238TH STREET                                      
  MORTGAGE AMT:       300,000.00            CITY               TORRANCE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90501                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,072.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.15789            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856000               MORTGAGORS:        REARWIN, STEPHEN                                                   

                                                   REARWIN, COLLEEN                                                   
                                            ADDRESS     :    4225 BAYARD STREET                                       
  MORTGAGE AMT:       291,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92109                                             
  UNPAID BALANCE:    291,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,985.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.13636            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856125               MORTGAGORS:        CAMPOLO, BART                                                      

                                                   CAMPOLO, MARTHA                                                    
                                            ADDRESS     :    4840 CEDAR AVENUE                                        
  MORTGAGE AMT:       110,000.00            CITY               PHILA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               PA   19143                                             
  UNPAID BALANCE:    110,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            722.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.71014            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856240               MORTGAGORS:        DIBENEDETTO, GREG                                                  

                                                   DIBENEDETTO, ANNA                                                  
                                            ADDRESS     :    612 SEACLIFF DRIVE                                       
  MORTGAGE AMT:       364,000.00            CITY               APTOS                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95003                                             
  UNPAID BALANCE:    364,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,576.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856513               MORTGAGORS:        RIEHL, THEODORE                                                    

                                                   RIEHL, MARY                                                        
                                            ADDRESS     :    16650 S HOLCOMB BLVD                                     
  MORTGAGE AMT:       265,000.00            CITY               OREGON CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               OR   97045                                             
  UNPAID BALANCE:    265,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,807.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.53535            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856554               MORTGAGORS:        LIRA, DAVID                                                        
                                            ADDRESS     :    420 S HILL AVENUE                                        
  MORTGAGE AMT:       476,000.00            CITY               PASADENA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91105                                             
  UNPAID BALANCE:    476,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,126.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856620               MORTGAGORS:        MOFFATT, TYSON                                                     

                                                   MOFFATT, LINDA                                                     
                                            ADDRESS     :    4562 SALUTO COURT                                        
  MORTGAGE AMT:       311,500.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92130                                             
  UNPAID BALANCE:    311,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,072.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.89583            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856745               MORTGAGORS:        HALLSMAN, MARK                                                     

                                                   HALLSMAN, ASHLEY                                                   
                                            ADDRESS     :    14 CORAL REEF                                            
  MORTGAGE AMT:       618,750.00            CITY               NEWPORT COA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92657                                             
  UNPAID BALANCE:    618,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,220.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856919               MORTGAGORS:        CARR, F                                                            

                                                   CARR, KATHERINE                                                    
                                            ADDRESS     :    902 17TH AVENUE EAST                                     
  MORTGAGE AMT:       605,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98112                                             
  UNPAID BALANCE:    605,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,690.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.14286            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070856935               MORTGAGORS:        WISMANN, ROBERT                                                    
                                            ADDRESS     :    1963 VANGUARD DRIVE                                      
  MORTGAGE AMT:       296,000.00            CITY               CAMARILLO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   93010                                             
  UNPAID BALANCE:    296,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,044.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070857099               MORTGAGORS:        CARYL, CRAIG                                                       
                                            ADDRESS     :    1224 1228 22ND STREET                                    
  MORTGAGE AMT:       432,000.00            CITY               SANTA MONIC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90403                                             
  UNPAID BALANCE:    432,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,983.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070857198               MORTGAGORS:        BRUCE, DAVID                                                       

                                                   LA PIERRE, SHARON                                                  
                                            ADDRESS     :    483 COUNTY ROAD 693                                      
  MORTGAGE AMT:       400,000.00            CITY               GRAND LAKE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80447                                             
  UNPAID BALANCE:    399,687.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,728.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.96552            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070857362               MORTGAGORS:        WELLER, BRION                                                      

                                                   WELLER, CAROLYN                                                    
                                            ADDRESS     :    21554 1ST CT S                                           
  MORTGAGE AMT:       296,000.00            CITY               NORMANDY PA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98198                                             
  UNPAID BALANCE:    296,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,019.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.19512            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070857800               MORTGAGORS:        KINNEY, KENNETH                                                    

                                                   KINNEY, BETTY                                                      
                                            ADDRESS     :    20 GREENSPRING                                           
  MORTGAGE AMT:       288,000.00            CITY               TRABUCO CAN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92679                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,940.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070857859               MORTGAGORS:        DYER, MICHAEL                                                      

                                                   DYER, HEATHER                                                      
                                            ADDRESS     :    60 WESTMONT                                              
  MORTGAGE AMT:       300,000.00            CITY               AVON                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CT   06001                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070858030               MORTGAGORS:        HUYSING, PETER                                                     

                                                   WOO, DAWN                                                          
                                            ADDRESS     :    2659 230TH AVENUE SE                                     
  MORTGAGE AMT:       307,000.00            CITY               ISSAQUAH                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98029                                             
  UNPAID BALANCE:    307,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,068.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.36816            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070858139               MORTGAGORS:        KRIEGER, JOHN                                                      

                                                   SAMOLS, JACQUELINE                                                 
                                            ADDRESS     :    100 NORTH HARPER AVENUE                                  
  MORTGAGE AMT:       496,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90048                                             
  UNPAID BALANCE:    495,622.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,425.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070858162               MORTGAGORS:        JOHNSON, CHRISTOPHE                                                
                                            ADDRESS     :    34036 EL ENCANTO AVENUE                                  
  MORTGAGE AMT:       272,000.00            CITY               DANA POINT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.12500                               CA   92629                                             
  UNPAID BALANCE:    272,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,019.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070858352               MORTGAGORS:        HART, L                                                            

                                                   HART, TERESA                                                       
                                            ADDRESS     :    12963 S IRON MOUNTAIN BLV                                
  MORTGAGE AMT:       489,900.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               OR   97219                                             
  UNPAID BALANCE:    489,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,383.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.22727            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859210               MORTGAGORS:        GREENBLATT, JANE                                                   

                                                   DIFEDE, MICHAEL                                                    
                                            ADDRESS     :    85 KENT PLACE BLVD                                       
  MORTGAGE AMT:       384,000.00            CITY               SUMMIT                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07901                                             
  UNPAID BALANCE:    384,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,554.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.29412            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859269               MORTGAGORS:        PETERS, JOHN                                                       

                                                   PETERS, ROBIN                                                      
                                            ADDRESS     :    53 RUDDOCK ROAD                                          
  MORTGAGE AMT:       467,000.00            CITY               SUDBURY                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   01776                                             
  UNPAID BALANCE:    467,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,185.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859335               MORTGAGORS:        MCGOVERN, JOHN                                                     
                                            ADDRESS     :    949 WHITE PLAINS POST ROA                                
  MORTGAGE AMT:       356,000.00            CITY               SCARSDALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   10583                                             
  UNPAID BALANCE:    356,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,458.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859384               MORTGAGORS:        BLANC, ERICK                                                       
                                                   Blanc, Honorire                                                    

                                                   BLANC, HONORINE                                                    
                                            ADDRESS     :    121 DEVONSHIRE ROAD                                      
  MORTGAGE AMT:       346,800.00            CITY               LARCHMONT                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NY   10538                                             
  UNPAID BALANCE:    346,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,688.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859418               MORTGAGORS:        LYDZINSKI, AVA                                                     
                                            ADDRESS     :    5 ANN COURT                                              
  MORTGAGE AMT:       160,000.00            CITY               WALLINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07057                                             
  UNPAID BALANCE:    160,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,064.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859533               MORTGAGORS:        WEISS, JOSEPH                                                      

                                                   WEISS, MICHELE                                                     
                                            ADDRESS     :    51 BIRCHWOOD RD                                          
  MORTGAGE AMT:       124,000.00            CITY               NORTH ARLIN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NJ   07031                                             
  UNPAID BALANCE:    124,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            814.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859558               MORTGAGORS:        PERNICK, GLENN                                                     

                                                   PERNICK, KERRI                                                     
                                            ADDRESS     :    22 WOODCLIFF AVENUE                                      
  MORTGAGE AMT:       260,900.00            CITY               WOODCLIFF L                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07675                                             
  UNPAID BALANCE:    260,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,757.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99655            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859657               MORTGAGORS:        MARTIN, CYNTHIA                                                    
                                                   KADET, HESSP                                                       

                                                   KADET, HESSA                                                       
                                            ADDRESS     :    215 GROVE STREET                                         
  MORTGAGE AMT:       290,000.00            CITY               CAMBRIDGE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02138                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,978.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.18367            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070859723               MORTGAGORS:        RACANELLI, MICHAEL                                                 

                                                   RACANELLI, LAURA                                                   
                                            ADDRESS     :    14 EDMOND STREET                                         
  MORTGAGE AMT:       476,500.00            CITY               DARIEN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CT   06820                                             
  UNPAID BALANCE:    476,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,170.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.95637            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070860416               MORTGAGORS:        ICHINOSE, CRAIG                                                    

                                                   ICHINOSE, NAOMI                                                    
                                            ADDRESS     :    27535 FAWNSKIN DRIVE                                     
  MORTGAGE AMT:       360,000.00            CITY               RANCHO PALO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90275                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070860689               MORTGAGORS:        CORCORAN, THOMAS                                                   

                                                   CORCORAN, LINE                                                     
                                            ADDRESS     :    85 MEREDITH CIRCLE                                       
  MORTGAGE AMT:       300,000.00            CITY               MILTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02186                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.60606            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070860879               MORTGAGORS:        LOTSOFF, JONATHAN                                                  

                                                   LOTSOFF, ANNE                                                      
                                            ADDRESS     :    207 HAWTHORNE                                            
  MORTGAGE AMT:       270,000.00            CITY               ELMHURST                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60126                                             
  UNPAID BALANCE:    270,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,796.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.05263            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070861273               MORTGAGORS:        BOYD, D                                                            
                                            ADDRESS     :    39 MOHAWK LANE                                           
  MORTGAGE AMT:     1,100,000.00            CITY               GREENWICH                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CT   06831                                             
  UNPAID BALANCE:     1,100,000.            OPTION TO CONVERT :      No                                               
                             000                                                                                      
  MONTHLY P&I:          7,691.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.58382            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862172               MORTGAGORS:        EDNIE, PATRICIA                                                    

                                                   PARSONS, ROBERT                                                    
                                            ADDRESS     :    37 FAIRWAYS EDGE DRIVE                                   
  MORTGAGE AMT:       275,000.00            CITY               MARSHFIELD                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   02050                                             
  UNPAID BALANCE:    275,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,899.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.46479            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862248               MORTGAGORS:        GOMEZ, HOWARD                                                      
                                            ADDRESS     :    7830 CAMINO REAL                                         
  MORTGAGE AMT:        49,500.00            CITY               MIAMI                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               FL   33143                                             
  UNPAID BALANCE:     49,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            358.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862495               MORTGAGORS:        DANG, TUAN                                                         

                                                   VUONG, THUY                                                        
                                            ADDRESS     :    3326 FAMILLE COURT                                       
  MORTGAGE AMT:       350,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95135                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,328.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.82906            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862503               MORTGAGORS:        DANIEL, PETER                                                      
                                            ADDRESS     :    40 HANCOCK LANE                                          
  MORTGAGE AMT:       650,000.00            CITY               DARIEN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CT   06820                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,162.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 50.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862552               MORTGAGORS:        Geers, Timothy                                                     

                                                   GEERS, CANDICE                                                     
                                            ADDRESS     :    166 Greenhill Road                                       
  MORTGAGE AMT:       260,000.00            CITY               WESTWOOD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02090                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,773.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.50000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862578               MORTGAGORS:        RUESS, BRIAN                                                       

                                                   RUESS, NATASHA                                                     
                                            ADDRESS     :    115 SW KINGSTON AVENUE                                   
  MORTGAGE AMT:       300,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               OR   97201                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,920.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862594               MORTGAGORS:        LOCKE, GEORGE                                                      

                                                   LOCKE, ALISON                                                      
                                            ADDRESS     :    16462 BARNSTABLE CIRCLE                                  
  MORTGAGE AMT:       650,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92649                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,600.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.06283            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862651               MORTGAGORS:        CALLAHAN, MARY                                                     

                                                   CALLAHAN, J                                                        
                                            ADDRESS     :    310 SWEETBRIER ROAD                                      
  MORTGAGE AMT:       427,000.00            CITY               HAILEY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               ID   83333                                             
  UNPAID BALANCE:    427,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,985.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862842               MORTGAGORS:        BAILEY, HENRY                                                      

                                                   BAILEY, ROSE                                                       
                                            ADDRESS     :    10124 PHAETON DRIVE                                      
  MORTGAGE AMT:       279,000.00            CITY               EDEN PRAIRI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               MN   55347                                             
  UNPAID BALANCE:    279,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,974.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.58333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862859               MORTGAGORS:        HARTOG, NICHOLAS                                                   
                                            ADDRESS     :    685 VISTA BONITA                                         
  MORTGAGE AMT:       264,000.00            CITY               NEWPORT BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92660                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,778.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070862867               MORTGAGORS:        TURNER HERIN, JAN                                                  
                                            ADDRESS     :    1303 BAYSIDE DRIVE                                       
  MORTGAGE AMT:       500,000.00            CITY               CORONA DEL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92625                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,496.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.82353            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070864525               MORTGAGORS:        FIEDLER, ROBERT                                                    
                                                   FIEDLER, HILDA                                                     

                                                   FIEDLER, HILDA                                                     
                                            ADDRESS     :    1020 CUMBERLAND ROAD                                     
  MORTGAGE AMT:       300,000.00            CITY               GLENDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91202                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070864723               MORTGAGORS:        FORD, LUCY                                                         
                                            ADDRESS     :    4236 VIA PINZON                                          
  MORTGAGE AMT:       267,000.00            CITY               PALOS VERDE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90274                                             
  UNPAID BALANCE:    267,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,821.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 35.13158            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070864897               MORTGAGORS:        FULLERTON, ERIC                                                    

                                                   FULLERTON, JEANNE                                                  
                                            ADDRESS     :    17212 QUAIL COURT                                        
  MORTGAGE AMT:       400,000.00            CITY               MORGAN HILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95037                                             
  UNPAID BALANCE:    399,663.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,627.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070865225               MORTGAGORS:        SHON, KATHRYN                                                      
                                            ADDRESS     :    1930 VIA DEL REY                                         
  MORTGAGE AMT:       347,200.00            CITY               SOUTH PASAD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   91030                                             
  UNPAID BALANCE:    347,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,427.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070865241               MORTGAGORS:        SKERLAK, MICHAEL                                                   

                                                   SKERLAK, JILL                                                      
                                            ADDRESS     :    25215 234TH AVE SE                                       
  MORTGAGE AMT:       301,450.00            CITY               MAPLE VALLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98038                                             
  UNPAID BALANCE:    301,450.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,030.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99851            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070865423               MORTGAGORS:        ANDERSON, JAMES                                                    

                                                   ANDERSON, CHIUNG                                                   
                                            ADDRESS     :    4 N 760 HONEYHILL CIRCLE                                 
  MORTGAGE AMT:       425,700.00            CITY               WAYNE                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60184                                             
  UNPAID BALANCE:    425,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,904.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070865548               MORTGAGORS:        ALVAREZ, IVAN                                                      
                                            ADDRESS     :    241 NORTH SHORE DRIVE                                    
  MORTGAGE AMT:       355,500.00            CITY               Miami Beach                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               FL   33141                                             
  UNPAID BALANCE:    355,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,455.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070866587               MORTGAGORS:        WESTERLING, GORDON                                                 

                                                   WESTERLING, CLERRY                                                 
                                            ADDRESS     :    1118 3RD STREET                                          
  MORTGAGE AMT:       350,000.00            CITY               SANTA MONIC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   90403                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,477.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.54545            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070866983               MORTGAGORS:        GOLDMAN, HEATH                                                     
                                                   GOLDMAN, HEATH                                                     

                                                   GOLDMAN, WENDY                                                     
                                            ADDRESS     :    5057 MATILIJA AVENUE                                     
  MORTGAGE AMT:       300,000.00            CITY               VAN NUYS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   91423                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070867411               MORTGAGORS:        STAIB, KATHERINE                                                   

                                                   STAIB, CHRISTOPHE                                                  
                                            ADDRESS     :    11370 MATTESON AVENUE                                    
  MORTGAGE AMT:       212,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90066                                             
  UNPAID BALANCE:    212,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,428.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070868708               MORTGAGORS:        MANIER, LINTON                                                     

                                                   MANIER, BARBARA                                                    
                                            ADDRESS     :    5230 ALMAR STREET                                        
  MORTGAGE AMT:       140,000.00            CITY               RIVERSIDE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   92505                                             
  UNPAID BALANCE:    140,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,002.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 93.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070869086               MORTGAGORS:        BREWTON, GARY                                                      

                                                   BREWTON, JANN                                                      
                                            ADDRESS     :    2343 MCALLISTER STREET                                   
  MORTGAGE AMT:       237,300.00            CITY               RIVERSIDE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92503                                             
  UNPAID BALANCE:    237,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,598.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 35.41791            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070869110               MORTGAGORS:        HALLOWELL, WILLIAM                                                 
                                            ADDRESS     :    1088 HARD PINCH ROAD                                     
  MORTGAGE AMT:        85,500.00            CITY               MONCKS CORN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               SC   29461                                             
  UNPAID BALANCE:     85,426.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            554.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070870191               MORTGAGORS:        SMITH, KENNETH                                                     

                                                   SMITH, JOZELLE                                                     
                                            ADDRESS     :    10725 GARLAND DRIVE                                      
  MORTGAGE AMT:       432,000.00            CITY               CULVER CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   90232                                             
  UNPAID BALANCE:    432,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,057.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070871264               MORTGAGORS:        PALMER, SAMUEL                                                     

                                                   PALMER, ROSEMARY                                                   
                                            ADDRESS     :    106 110 HIGH DRIVE                                       
  MORTGAGE AMT:       355,500.00            CITY               LAGUNA BEAC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92651                                             
  UNPAID BALANCE:    355,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070871918               MORTGAGORS:        CERCONE, MICHAEL                                                   

                                                   CERCONE, CHRISTIE                                                  
                                            ADDRESS     :    7183 NE WILLIAM RODGERS R                                
  MORTGAGE AMT:       435,000.00            CITY               INDIANOLA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98342                                             
  UNPAID BALANCE:    435,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,967.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.44444            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070872536               MORTGAGORS:        REIFF, MORRIE                                                      

                                                   REIFF, JONI                                                        
                                            ADDRESS     :    25906 RICHMOND COURT                                     
  MORTGAGE AMT:       756,250.00            CITY               CALABASAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91302                                             
  UNPAID BALANCE:    756,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,095.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070872684               MORTGAGORS:        MUNZ, RUPERT                                                       

                                                   MUNZ, JANET                                                        
                                            ADDRESS     :    63 ELM STREET                                            
  MORTGAGE AMT:       300,000.00            CITY               FLORHAM PAR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NJ   07932                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.58824            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070872742               MORTGAGORS:        VERBITSKY, VLADIMIR                                                

                                                   VERBITSKY, ELENA                                                   
                                            ADDRESS     :    11 SKYVIEW CIRCLE                                        
  MORTGAGE AMT:       350,000.00            CITY               NEWTON CENT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   02459                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,447.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 46.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070872924               MORTGAGORS:        SHRADER, STEPHEN                                                   

                                                   SHRADER, CHRISTINE                                                 
                                            ADDRESS     :    4907 S BAYVIEW ROAD                                      
  MORTGAGE AMT:       331,200.00            CITY               LANGLEY                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98260                                             
  UNPAID BALANCE:    331,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,203.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070873161               MORTGAGORS:        DIAMOND, ROGER                                                     
                                                   DIAMOND, MARINI                                                    

                                                   DIAMOND, MARNI                                                     
                                            ADDRESS     :    28 KETCH STREET                                          
  MORTGAGE AMT:       415,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90292                                             
  UNPAID BALANCE:    415,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,761.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.84615            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070873708               MORTGAGORS:        MARTINEZ, LUKE                                                     
                                                   VILLANUEVA, OLIVE                                                  
                                                   VILLANUEVA, OLIVE                                                  
                                                   MARTINEZ, ROMELIA                                                  
                                            ADDRESS     :    1104 WEST CRESTON STREET                                 
  MORTGAGE AMT:        94,500.00            CITY               SANTA MARIA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93454                                             
  UNPAID BALANCE:     94,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            628.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.82927            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070874193               MORTGAGORS:        SHERR, SCOTT                                                       
                                            ADDRESS     :    1840 VETERAN AVENUE                                      
  MORTGAGE AMT:       255,200.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90025                                             
  UNPAID BALANCE:    255,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,697.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070874235               MORTGAGORS:        MAK, JOSEPH                                                        

                                                   MAK, BRANDA                                                        
                                            ADDRESS     :    18 MAPLE WAY                                             
  MORTGAGE AMT:       327,800.00            CITY               SAN CARLOS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94070                                             
  UNPAID BALANCE:    327,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,208.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.60000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070874276               MORTGAGORS:        CHAU, THOMAS                                                       

                                                   TRAN, LISA                                                         
                                            ADDRESS     :    192 CHAMA WAY                                            
  MORTGAGE AMT:       300,000.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94539                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.34963            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070875109               MORTGAGORS:        LIN, PATRICIA                                                      
                                            ADDRESS     :    4308 SOUTHWEST HOLDEN STR                                
  MORTGAGE AMT:       185,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98136                                             
  UNPAID BALANCE:    185,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,246.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.39914            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070875190               MORTGAGORS:        LAW, NEAL                                                          

                                                   LAW, ROBERTA                                                       
                                            ADDRESS     :    6324 SOFT THUNDER TRAIL                                  
  MORTGAGE AMT:       283,500.00            CITY               COLUMBIA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MD   21045                                             
  UNPAID BALANCE:    283,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,958.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070875224               MORTGAGORS:        DOLAN, KEVIN                                                       

                                                   DOLAN, MARGARET                                                    
                                            ADDRESS     :    1101 BERKELEY ROAD                                       
  MORTGAGE AMT:       660,000.00            CITY               WILMINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.37500                               DE   19807                                             
  UNPAID BALANCE:    660,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,016.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.39130            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070875927               MORTGAGORS:        LIND, ROBERT                                                       

                                                   HURLEY, ELLEN                                                      
                                            ADDRESS     :    10217 HADLEY AVENUE                                      
  MORTGAGE AMT:       341,600.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91324                                             
  UNPAID BALANCE:    341,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,301.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070876578               MORTGAGORS:        FITZPATRICK, WILLIAM                                               
                                            ADDRESS     :    15-17 HILLSIDE RD                                        
  MORTGAGE AMT:       340,000.00            CITY               NEWTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02456                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,262.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.89147            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070877055               MORTGAGORS:        TAYLOR, BRUCE                                                      
                                            ADDRESS     :    8215 BOX DRIVE                                           
  MORTGAGE AMT:       499,999.00            CITY               BALTIMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.25000                               MD   21226                                             
  UNPAID BALANCE:    499,999.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,756.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.36492            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070877964               MORTGAGORS:        SONG, CHULHO                                                       
                                            ADDRESS     :    1656 WILLOW STREET                                       
  MORTGAGE AMT:       245,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92106                                             
  UNPAID BALANCE:    245,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,692.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 31.61290            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070878798               MORTGAGORS:        TANG, THOMAS                                                       

                                                   CHEUNG, TING                                                       
                                            ADDRESS     :    3106 PASEO ROBLES                                        
  MORTGAGE AMT:       351,200.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.12500                               CA   94566                                             
  UNPAID BALANCE:    351,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,607.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070879184               MORTGAGORS:        MALESIS, STEVEN                                                    

                                                   MALESIS, CORINNE                                                   
                                            ADDRESS     :    1002 184TH AVENUE COURT E                                
  MORTGAGE AMT:       264,000.00            CITY               SUMNER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               WA   98390                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,690.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070879499               MORTGAGORS:        ATIENZA, MANUEL                                                    

                                                   ATIENZA, BENEDICTA                                                 
                                            ADDRESS     :    25032 VIA ELEVADO                                        
  MORTGAGE AMT:       264,000.00            CITY               DANA POINT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92629                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,800.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.02198            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070879895               MORTGAGORS:        , KENYON                                                           

                                                   BROWN, MICHEAL                                                     
                                            ADDRESS     :    100 RATTO ROAD                                           
  MORTGAGE AMT:       330,000.00            CITY               ALAMEDA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94502                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,167.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.21007            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070881628               MORTGAGORS:        DUFRESNE, JOHN                                                     

                                                   STEVENSON, PAMELA                                                  
                                            ADDRESS     :    1201 BREWSTER DRIVE                                      
  MORTGAGE AMT:       316,000.00            CITY               EL CERRITO                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94530                                             
  UNPAID BALANCE:    316,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070881917               MORTGAGORS:        PELLAM, JOHN                                                       

                                                   PELLAM, MYRIAM                                                     
                                            ADDRESS     :    11 PETRIA                                                
  MORTGAGE AMT:       472,000.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92606                                             
  UNPAID BALANCE:    472,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,340.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070882246               MORTGAGORS:        CHARMONT, THOMAS                                                   

                                                   CHARMONT, DIANE                                                    
                                            ADDRESS     :    77 HILLSIDE ROAD                                         
  MORTGAGE AMT:       264,000.00            CITY               CHESTER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07930                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,086.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070882873               MORTGAGORS:        THOMAS, RICK                                                       

                                                   THOMAS, LISA                                                       
                                            ADDRESS     :    36340 CHURCH HILL DRIVE                                  
  MORTGAGE AMT:       282,000.00            CITY               SOLON                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               OH   44139                                             
  UNPAID BALANCE:    282,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,947.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.21622            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070884580               MORTGAGORS:        SCHECHTER, GLENN                                                   
                                            ADDRESS     :    4505 RIDING CLUB COURT                                   
  MORTGAGE AMT:       411,000.00            CITY               HAYWARD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94542                                             
  UNPAID BALANCE:    411,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,838.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.28571            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070885561               MORTGAGORS:        WARD, MARK                                                         

                                                   WARD, SANDRA                                                       
                                            ADDRESS     :    207 E MONROE                                             
  MORTGAGE AMT:       102,000.00            CITY               CANNON BEAC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               OR   97110                                             
  UNPAID BALANCE:    102,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            695.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.68421            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070885645               MORTGAGORS:        GAITAN, ELVIA                                                      
                                            ADDRESS     :    11594 HUSTON STREET                                      
  MORTGAGE AMT:       270,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91601                                             
  UNPAID BALANCE:    270,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,773.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.23077            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070885983               MORTGAGORS:        BOWLING, CLINTON                                                   

                                                   BOWLING, YADDY                                                     
                                            ADDRESS     :    19264 NW 13TH ST                                         
  MORTGAGE AMT:       148,800.00            CITY               PEMBROKE PI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               FL   33029                                             
  UNPAID BALANCE:    148,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            989.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070886007               MORTGAGORS:        O'KEEFE, MARGARET                                                  

                                                   MCCUTCHEON, DANIEL                                                 
                                            ADDRESS     :    37 AVONDALE AVENUE                                       
  MORTGAGE AMT:       288,000.00            CITY               HADDONFIELD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NJ   08033                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,013.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070886437               MORTGAGORS:        MORGAN, SAL                                                        
                                            ADDRESS     :    9724 SW 125TH TERRACE                                    
  MORTGAGE AMT:       110,000.00            CITY               MIAMI                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               FL   33176                                             
  UNPAID BALANCE:    110,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            759.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 42.30769            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070886577               MORTGAGORS:        HART, L                                                            

                                                   MORRIS HART, TERRI                                                 
                                            ADDRESS     :    2127 SW MT HOOD LANE                                     
  MORTGAGE AMT:       332,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.12500                               OR   97201                                             
  UNPAID BALANCE:    332,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,465.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070888227               MORTGAGORS:        GLUCK, LAWRENCE                                                    

                                                   GLUCK, SHEILA                                                      
                                            ADDRESS     :    1850 FOOTHILL BLVD                                       
  MORTGAGE AMT:     1,567,500.00            CITY               LA CANADA F                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91011                                             
  UNPAID BALANCE:     1,567,500.            OPTION TO CONVERT :      No                                               
                             000                                                                                      
  MONTHLY P&I:         10,560.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070888342               MORTGAGORS:        HOLMES, ROBERT                                                     
                                            ADDRESS     :    12708 WATER FOWL WAY                                     
  MORTGAGE AMT:       252,050.00            CITY               UPPER MARLB                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MD   20774                                             
  UNPAID BALANCE:    252,050.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,740.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.51104            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070889613               MORTGAGORS:        KOLASA, RAYMON                                                     

                                                   COHEN, SHERI                                                       
                                            ADDRESS     :    2428 LYRIC AVENUE                                        
  MORTGAGE AMT:       320,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90027                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.04878            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070890744               MORTGAGORS:        LIPTHAY, CHARLIE                                                   

                                                   LIPTHAY, LISA                                                      
                                            ADDRESS     :    1388 SAPPHIRE DRAGON STRE                                
  MORTGAGE AMT:       285,000.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   91320                                             
  UNPAID BALANCE:    285,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,017.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.19704            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070891049               MORTGAGORS:        DOERR, DWIGHT                                                      

                                                   DOERR, JULIE                                                       
                                            ADDRESS     :    6152 SADDLETREE LANE                                     
  MORTGAGE AMT:       340,000.00            CITY               YORBA LINDA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92886                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,348.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070892815               MORTGAGORS:        VANSTEENBURG, LORI                                                 
                                            ADDRESS     :    12885 CRAWFORD DRIVE                                     
  MORTGAGE AMT:       420,000.00            CITY               TUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92782                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,936.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070896345               MORTGAGORS:        PAREL, STEPHEN                                                     

                                                   PAREL, MAUREEN                                                     
                                            ADDRESS     :    6922 LAKESHORE DRIVE                                     
  MORTGAGE AMT:       469,600.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               TX   75214                                             
  UNPAID BALANCE:    469,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,243.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070897376               MORTGAGORS:        FERGUSON, RONALD                                                   

                                                   FERGUSON, GAIL                                                     
                                            ADDRESS     :    350 MALLARD ROAD                                         
  MORTGAGE AMT:       314,000.00            CITY               WESTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               FL   33327                                             
  UNPAID BALANCE:    314,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,195.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.86486            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070899000               MORTGAGORS:        COOK, JAMES                                                        

                                                   COOK, TOKIKO                                                       
                                            ADDRESS     :    400 SOUTH FLOWER STREET                                  
  MORTGAGE AMT:       133,000.00            CITY               ORANGE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92868                                             
  UNPAID BALANCE:    133,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            918.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070900196               MORTGAGORS:        ANASTASIO, ELLEN                                                   

                                                   SMITH, FRANK                                                       
                                            ADDRESS     :    813 815 NORTH EDINBURGH A                                
  MORTGAGE AMT:       347,600.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   90046                                             
  UNPAID BALANCE:    347,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,460.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99353            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070900840               MORTGAGORS:        LA BONTY, JOSEPH                                                   

                                                   THOMPSON LA, RUTH                                                  
                                            ADDRESS     :    5216 N 45TH PLACE                                        
  MORTGAGE AMT:       500,000.00            CITY               PHOENIX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85018                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,453.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.78020            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070901061               MORTGAGORS:        BORGOGNO, DENNIS                                                   

                                                   BORGOGNO, LOIS                                                     
                                            ADDRESS     :    1406 DOVE LANE                                           
  MORTGAGE AMT:       304,000.00            CITY               FULLERTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92833                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,125.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070905161               MORTGAGORS:        FRASER, GRAHAM                                                     

                                                   FRASER, ANN                                                        
                                            ADDRESS     :    980 LAGUNA DRIVE                                         
  MORTGAGE AMT:       225,000.00            CITY               CARLSBAD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.37500                               CA   92008                                             
  UNPAID BALANCE:    225,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,710.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.55556            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070905468               MORTGAGORS:        JEWETT, BRIAN                                                      

                                                   JEWETT, LEANNE                                                     
                                            ADDRESS     :    1281-1281 3/4 S DUNSMUIR                                 
  MORTGAGE AMT:       519,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   90019                                             
  UNPAID BALANCE:    519,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,366.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96918            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070906607               MORTGAGORS:        WINCH, VICTORIA                                                    

                                                   WINCH, GEORGE                                                      
                                            ADDRESS     :    1075 92ND STREET #501                                    
  MORTGAGE AMT:        35,000.00            CITY               BAY HARBOR                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               FL   33154                                             
  UNPAID BALANCE:     35,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            244.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 38.88889            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070908439               MORTGAGORS:        TROTTA, CHRISTOPHER                                                
                                            ADDRESS     :    2936 KNORR ST                                            
  MORTGAGE AMT:        80,750.00            CITY               Philadelphia                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               PA   19149                                             
  UNPAID BALANCE:     80,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            578.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070909569               MORTGAGORS:        KATZMAN, HOWARD                                                    

                                                   KATZMAN, BARBARA                                                   
                                            ADDRESS     :    100 AMALFI DRIVE                                         
  MORTGAGE AMT:       649,000.00            CITY               SANTA MONIC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.37500                               CA   90402                                             
  UNPAID BALANCE:    649,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,932.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070910468               MORTGAGORS:        RONE, SILVIO                                                       

                                                   RONE, MELINDA                                                      
                                            ADDRESS     :    7125 E PARADISE DRIVE                                    
  MORTGAGE AMT:       631,200.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85254                                             
  UNPAID BALANCE:    631,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,359.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070912613               MORTGAGORS:        OLIVER, THOMAS                                                     

                                                   OLIVER, TERESE                                                     
                                            ADDRESS     :    127 SOUTH SHADOW PINES RO                                
  MORTGAGE AMT:       324,000.00            CITY               ORANGE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92869                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,265.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0070914700               MORTGAGORS:        PADILLA, ROGELIO                                                   

                                                   PADILLA, SYLVIA                                                    
                                            ADDRESS     :    3952 KNOXVILLE AVE                                       
  MORTGAGE AMT:       255,950.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90808                                             
  UNPAID BALANCE:    255,950.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,767.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.81385            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080005473               MORTGAGORS:        LUU, JULIA                                                         
                                            ADDRESS     :    1148 SOUTH BROMLEY COURT                                 
  MORTGAGE AMT:       407,800.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92808                                             
  UNPAID BALANCE:    407,481.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,781.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.97803            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080005507               MORTGAGORS:        IBETOH, ANGELA                                                     
                                            ADDRESS     :    5807 LAWTON CT                                           
  MORTGAGE AMT:       299,050.00            CITY               LANHAM                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20706                                             
  UNPAID BALANCE:    298,798.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98626            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080005945               MORTGAGORS:        BLOCK, RICHARD                                                     

                                                   STERN, STACEY                                                      
                                            ADDRESS     :    24 MILLBROOK DRIVE                                       
  MORTGAGE AMT:       340,000.00            CITY               PRINCETON J                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08550                                             
  UNPAID BALANCE:    339,728.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,290.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.72527            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080005994               MORTGAGORS:        BUTTZ, CHARLES                                                     

                                                   BUTTZ, ANNE                                                        
                                            ADDRESS     :    10 MOURER ROAD                                           
  MORTGAGE AMT:       316,000.00            CITY               SPRING CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               PA   19475                                             
  UNPAID BALANCE:    315,721.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,023.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080006034               MORTGAGORS:        Ryan, Dennis                                                       

                                                   Plesums, Jana                                                      
                                            ADDRESS     :    43 Manthorne Road                                        
  MORTGAGE AMT:       260,100.00            CITY               West Roxbury                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   02132                                             
  UNPAID BALANCE:    260,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,818.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080006224               MORTGAGORS:        BERETTA, JOSEPH                                                    
                                                   BERETTA, LADONNA                                                   

                                                   BERETTA, LA DONNA                                                  
                                            ADDRESS     :    6434 HORIZON DRIVE                                       
  MORTGAGE AMT:       285,000.00            CITY               PLACERVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95667                                             
  UNPAID BALANCE:    284,542.820            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,920.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.38719            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080006414               MORTGAGORS:        RABBITT, DEAN                                                      

                                                   RABBITT, MILDRED                                                   
                                            ADDRESS     :    8 OLDE FARM LANE                                         
  MORTGAGE AMT:       260,000.00            CITY               NORTH READI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               MA   01864                                             
  UNPAID BALANCE:    259,770.610            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,664.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080006489               MORTGAGORS:        SINK STEWART, CATHY                                                
                                            ADDRESS     :    510 BELVIDERE COURT                                      
  MORTGAGE AMT:        60,000.00            CITY               HENDERSONVI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NC   28791                                             
  UNPAID BALANCE:     59,953.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            409.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.14286            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080006984               MORTGAGORS:        DEHAAN, THOMAS                                                     
                                            ADDRESS     :    8808 HILLCROFT TRAIL                                     
  MORTGAGE AMT:       356,000.00            CITY               WEST HILLS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91304                                             
  UNPAID BALANCE:    355,715.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,398.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080007552               MORTGAGORS:        SHINDLER, NORMAN                                                   
                                            ADDRESS     :    5610 COMMONS LN                                          
  MORTGAGE AMT:       333,000.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30005                                             
  UNPAID BALANCE:    333,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,243.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080007693               MORTGAGORS:        REYNOLDS, LEONARD                                                  
                                                   reynolds, linda                                                    
                                                   Reynolds, Linda                                                    
                                                   REYNOLDS, LINDA                                                    
                                            ADDRESS     :    216 BRIARCLIFF AVENUE                                    
  MORTGAGE AMT:       320,000.00            CITY               WARWICK                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               RI   02889                                             
  UNPAID BALANCE:    319,762.520            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,237.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080007784               MORTGAGORS:        KING, PAUL                                                         

                                                   KING, DAPHNE                                                       
                                            ADDRESS     :    6514 SOUTH LAURELWOOD AVE                                
  MORTGAGE AMT:       317,000.00            CITY               INGLEWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   90302                                             
  UNPAID BALANCE:    316,776.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,271.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.25000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080007792               MORTGAGORS:        PERRELLI, JOSEPH                                                   
                                            ADDRESS     :    3232 JACKSON STREET                                      
  MORTGAGE AMT:       600,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94118                                             
  UNPAID BALANCE:    599,508.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,991.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 29.26829            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080007867               MORTGAGORS:        BOOS, CAROLE                                                       
                                            ADDRESS     :    1516 ALLISON STREET, N.W                                 
  MORTGAGE AMT:       173,600.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               DC   20011                                             
  UNPAID BALANCE:    173,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,169.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080008204               MORTGAGORS:        CASO, ANDREW                                                       
                                                   Caso, Nathalie                                                     

                                                   CASO, NATHALIE                                                     
                                            ADDRESS     :    12 Casey St.                                             
  MORTGAGE AMT:       213,600.00            CITY               CANTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02021                                             
  UNPAID BALANCE:    213,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,421.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080008410               MORTGAGORS:        TORRES, JOSE                                                       

                                                   TORRES, ROSA                                                       
                                            ADDRESS     :    16124 LA LINDURA DRIVE                                   
  MORTGAGE AMT:       436,700.00            CITY               WHITTIER                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90603                                             
  UNPAID BALANCE:    436,359.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,979.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.70543            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080008758               MORTGAGORS:        VAIDYANATHAN, KRISHNAN                                             

                                                   VAIDYANATHAN, SAVITHRI                                             
                                            ADDRESS     :    43 GLEN ROAD                                             
  MORTGAGE AMT:       340,800.00            CITY               HOPKINTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   01748                                             
  UNPAID BALANCE:    340,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,353.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080009178               MORTGAGORS:        CONTI, CLARA                                                       
                                                   RAWSPM, ROCJARD                                                    
                                                   RAWSON, RICHARD                                                    
                                            ADDRESS     :    9834 BEACH MILL ROAD                                     
  MORTGAGE AMT:       370,000.00            CITY               GREAT FALLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               VA   22066                                             
  UNPAID BALANCE:    369,681.430            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,399.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.72340            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080009319               MORTGAGORS:        VAN NOSTRAND, GEORGE                                               

                                                   VAN NOSTRAND, GLENITA                                              
                                            ADDRESS     :    6241 LIGHT POINT PLACE                                   
  MORTGAGE AMT:       114,000.00            CITY               COLUMBIA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21045                                             
  UNPAID BALANCE:    113,911.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            777.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011133               MORTGAGORS:        WAGNER, ROBERT                                                     

                                                   WAGNER, KATHLEEN                                                   
                                            ADDRESS     :    3029 NEWPORT                                             
  MORTGAGE AMT:       345,491.00            CITY               SPRINGFIELD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   62702                                             
  UNPAID BALANCE:    345,221.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,356.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.09820            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011190               MORTGAGORS:        BRANCH, JOYCE                                                      
                                            ADDRESS     :    8829 MIDVALE AVENUE NORTH                                
  MORTGAGE AMT:       237,500.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               WA   98103                                             
  UNPAID BALANCE:    237,319.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,640.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011463               MORTGAGORS:        GLEASON, JOHN                                                      

                                                   GLEASON, RAE                                                       
                                            ADDRESS     :    740 BLUEGRASS STREET                                     
  MORTGAGE AMT:       400,000.00            CITY               SIMI VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   93065                                             
  UNPAID BALANCE:    399,663.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,627.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.97271            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011505               MORTGAGORS:        MCCUSKER, DAVID                                                    

                                                   MCCUSKER, LISA                                                     
                                            ADDRESS     :    210 ELLYRIDGE COURT                                      
  MORTGAGE AMT:       303,200.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.37500                               CA   95123                                             
  UNPAID BALANCE:    302,919.180            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,891.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011802               MORTGAGORS:        BROwN, THIRISE                                                     

                                                   JOHNSON, MICHAEL                                                   
                                            ADDRESS     :    17114 LONGLEAF DRIVE                                     
  MORTGAGE AMT:       266,177.00            CITY               BOWIE                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20716                                             
  UNPAID BALANCE:    265,953.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,748.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99982            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011877               MORTGAGORS:        BORN, REGINA                                                       

                                                   ERICKSON, J                                                        
                                            ADDRESS     :    11 TWITCHELL STREET                                      
  MORTGAGE AMT:       360,000.00            CITY               WELLESLEY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               MA   02481                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,334.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.22680            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080011984               MORTGAGORS:        GODFREY SAWY, MARGARET                                             
                                            ADDRESS     :    533 EXMOOR ROAD                                          
  MORTGAGE AMT:       320,000.00            CITY               KENILWORTH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60043                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012057               MORTGAGORS:        FORKER, GERALD                                                     

                                                   CAMBRAY FORK, E                                                    
                                            ADDRESS     :    27742 HIDDEN TRAIL ROAD                                  
  MORTGAGE AMT:       592,000.00            CITY               LAGUNA HILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92653                                             
  UNPAID BALANCE:    591,514.740            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,938.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012081               MORTGAGORS:        FRAZIER, GEORGE                                                    

                                                   KERES, ANGELA                                                      
                                            ADDRESS     :    1874 TACOMA AVENUE                                       
  MORTGAGE AMT:       320,000.00            CITY               BERKELEY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94707                                             
  UNPAID BALANCE:    319,744.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012172               MORTGAGORS:        GLASSMAN, JEFF                                                     
                                            ADDRESS     :    608 29TH STREET                                          
  MORTGAGE AMT:       736,000.00            CITY               MANHATTAN B                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90266                                             
  UNPAID BALANCE:    735,425.850            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,020.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012586               MORTGAGORS:        WILLIAMS, NORMAN                                                   
                                            ADDRESS     :    665 NORFLEET ROAD NW                                     
  MORTGAGE AMT:       330,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30305                                             
  UNPAID BALANCE:    329,722.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,167.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.89474            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012750               MORTGAGORS:        RICHMOND, JAMES                                                    

                                                   RICHMOND, LOIS                                                     
                                            ADDRESS     :    427 WASHINGTONIA DRIVE                                   
  MORTGAGE AMT:       393,600.00            CITY               SAN MARCOS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92069                                             
  UNPAID BALANCE:    393,300.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,718.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012776               MORTGAGORS:        ROBERTS, LISA                                                      

                                                   MOSES, DAVID                                                       
                                            ADDRESS     :    18032 ERWIN STREET                                       
  MORTGAGE AMT:       295,000.00            CITY               ENCINO AREA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91316                                             
  UNPAID BALANCE:    294,764.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,987.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.94580            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012792               MORTGAGORS:        LYNEN, RICHARD                                                     

                                                   LYNEN, DEBORAN                                                     
                                            ADDRESS     :    7 COLUMBIA CIR                                           
  MORTGAGE AMT:       292,000.00            CITY               RICHBORO                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               PA   18954                                             
  UNPAID BALANCE:    292,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,285.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 83.42857            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    
\  LN # 0080012875               MORTGAGORS:        ASKEY, DAVID                                                      

                                                   ASKEY, SHUMEI                                                      
                                            ADDRESS     :    161 ACTON STREET                                         
  MORTGAGE AMT:       336,000.00            CITY               CARLISLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               MA   01741                                             
  UNPAID BALANCE:    335,703.560            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,151.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012883               MORTGAGORS:        KRANE, JONATHAN                                                    
                                                   KRANE, LORRAINE                                                    
                                                   KRANE, JAMES                                                       
                                            ADDRESS     :    11538 DONA PEPITA PLACE                                  
  MORTGAGE AMT:       350,000.00            CITY               STUDIO CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   91604                                             
  UNPAID BALANCE:    349,746.680            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,477.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.63636            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080012982               MORTGAGORS:        WOHLFARTH, ROBERT                                                  

                                                   WOHLFARTH, DARLA                                                   
                                            ADDRESS     :    916 BRASILENO COURT                                      
  MORTGAGE AMT:       338,100.00            CITY               VIRGINIA BE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               VA   23456                                             
  UNPAID BALANCE:    337,829.630            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,277.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99860            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080013055               MORTGAGORS:        BLOOM, RONALD                                                      

                                                   BLOOM, KAREN                                                       
                                            ADDRESS     :    200 CAPTAINS WALK                                        
  MORTGAGE AMT:       260,300.00            CITY               STRATFORD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CT   06497                                             
  UNPAID BALANCE:    259,882.450            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,753.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080013154               MORTGAGORS:        LETUCHIY, YURIY                                                    

                                                   LETUCHAYA, INNA                                                    
                                            ADDRESS     :    601 NORIEGA STREET                                       
  MORTGAGE AMT:       400,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94122                                             
  UNPAID BALANCE:    399,703.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,796.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080013212               MORTGAGORS:        DAY, MICHAEL                                                       

                                                   DAY, CHRISTINE                                                     
                                            ADDRESS     :    1063 MONTE VERDE DRIVE                                   
  MORTGAGE AMT:       297,000.00            CITY               PACIFICA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94044                                             
  UNPAID BALANCE:    296,765.240            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,026.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080013477               MORTGAGORS:        SWANTKO, JAMES                                                     
                                            ADDRESS     :    5827 CHAMBERTIN                                          
  MORTGAGE AMT:       351,550.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95118                                             
  UNPAID BALANCE:    351,275.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,398.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.29621            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080014236               MORTGAGORS:        GAUTHIER, JEAN MARIE                                               

                                                   GAUTHIER, BRIGITTE                                                 
                                            ADDRESS     :    16 LONGACRE COURT                                        
  MORTGAGE AMT:       255,000.00            CITY               HOCKESSIN                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               DE   19707                                             
  UNPAID BALANCE:    254,785.770            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,675.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.64957            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080014905               MORTGAGORS:        LOPEZ QUINTA, DAVID                                                
                                                   quintana, kristen                                                  

                                                   QUINTANA, KRISTEN                                                  
                                            ADDRESS     :    4352 MANSFIELD DRIVE                                     
  MORTGAGE AMT:       500,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94506                                             
  UNPAID BALANCE:    499,609.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,410.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.74016            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080015134               MORTGAGORS:        VARGAS, RUBIN                                                      

                                                   VARGAS, DENEEN                                                     
                                            ADDRESS     :    6068 PARK CREST DRIVE                                    
  MORTGAGE AMT:       266,000.00            CITY               CHINO HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91709                                             
  UNPAID BALANCE:    265,797.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,837.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.32624            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080015282               MORTGAGORS:        CARTER, WILLIAM                                                    

                                                   GRANTZ CARTE, CHRISTINA                                            
                                            ADDRESS     :    53 HOLLINS DRIVE                                         
  MORTGAGE AMT:       480,000.00            CITY               SANTA CRUZ                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95060                                             
  UNPAID BALANCE:    479,625.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,274.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080015621               MORTGAGORS:        KUHLMANN, STEVEN                                                   

                                                   KUHLMANN, JEANNINE                                                 
                                            ADDRESS     :    955 MARVELL LANE                                         
  MORTGAGE AMT:       272,000.00            CITY               HIGHLAND PA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60035                                             
  UNPAID BALANCE:    271,787.810            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,855.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080015803               MORTGAGORS:        MCKINNEY, J                                                        

                                                   MCKINNEY, BEATRICE                                                 
                                            ADDRESS     :    15260 VALI HAI ROAD                                      
  MORTGAGE AMT:       273,300.00            CITY               POWAY                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92064                                             
  UNPAID BALANCE:    273,081.440            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,841.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.98592            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080016207               MORTGAGORS:        RYAN, JOHN                                                         

                                                   RYAN, JOANNE                                                       
                                            ADDRESS     :    14 JESSICA TRACE                                         
  MORTGAGE AMT:       289,750.00            CITY               WILTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NY   12831                                             
  UNPAID BALANCE:    289,518.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,952.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080016231               MORTGAGORS:        SMITH, JERRY                                                       
                                            ADDRESS     :    1716 COVILLAUD STREET                                    
  MORTGAGE AMT:        95,000.00            CITY               MARYSVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95901                                             
  UNPAID BALANCE:     94,931.250            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            672.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080016249               MORTGAGORS:        Bradford, Daniel                                                   

                                                   Bradford, Debra                                                    
                                            ADDRESS     :    11 great Bend Road                                       
  MORTGAGE AMT:       279,000.00            CITY               Sandwich                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02537                                             
  UNPAID BALANCE:    279,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,903.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080016702               MORTGAGORS:        MCELROY, JEFF                                                      
                                            ADDRESS     :    1320 CHEROKEE AVENUE                                     
  MORTGAGE AMT:       308,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90028                                             
  UNPAID BALANCE:    307,321.820            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,049.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080016918               MORTGAGORS:        LIPP, MICHAEL                                                      

                                                   VIERA, SYLVIA                                                      
                                            ADDRESS     :    19926 AVENIDA DESEO                                      
  MORTGAGE AMT:       247,000.00            CITY               WALNUT                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91789                                             
  UNPAID BALANCE:    247,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,705.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080017064               MORTGAGORS:        BOSSIE, MARK                                                       

                                                   BOSSIE, CYNTHIA                                                    
                                            ADDRESS     :    7 PICKERING DRIVE                                        
  MORTGAGE AMT:       290,000.00            CITY               ROBBINSVILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   08691                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,002.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080017247               MORTGAGORS:        HAYES, SUSAN                                                       
                                            ADDRESS     :    6047 KATHMOOR DRIVE                                      
  MORTGAGE AMT:       263,960.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               VA   22310                                             
  UNPAID BALANCE:    263,727.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,690.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080017593               MORTGAGORS:        WILKINSON, RICHARD                                                 

                                                   WINKINSON, CYTHIA                                                  
                                            ADDRESS     :    608 BRADFORD PLACE                                       
  MORTGAGE AMT:       335,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94526                                             
  UNPAID BALANCE:    335,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,342.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.07216            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080017601               MORTGAGORS:        HARBUZ, EDMUND                                                     

                                                   HARBUZ, SUSAN                                                      
                                            ADDRESS     :    2110 MEADOWVALE PL                                       
  MORTGAGE AMT:       244,000.00            CITY               Longmont                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80504                                             
  UNPAID BALANCE:    244,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,623.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080017866               MORTGAGORS:        BELKIN, STACY                                                      

                                                   JACKSON, DAVID                                                     
                                            ADDRESS     :    2111 S CLAYTON STREET                                    
  MORTGAGE AMT:       288,000.00            CITY               DENVER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CO   80210                                             
  UNPAID BALANCE:    287,758.040            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,891.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080017908               MORTGAGORS:        HICKS, ROBERT                                                      

                                                   HICKS, KIMBERLY                                                    
                                            ADDRESS     :    201 NORTH WESTVIEW DRIVE                                 
  MORTGAGE AMT:       333,200.00            CITY               WINSTON SAL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NC   27104                                             
  UNPAID BALANCE:    332,933.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,244.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080018112               MORTGAGORS:        ESKURI, NEIL                                                       
                                                   ESKURI, JANE                                                       

                                                   ESKURI, JANE                                                       
                                            ADDRESS     :    1225 GENEVA STREET                                       
  MORTGAGE AMT:       412,000.00            CITY               GLENDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91207                                             
  UNPAID BALANCE:    411,678.600            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,810.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080018542               MORTGAGORS:        MOWATT, MICHAEL                                                    

                                                   OLD, SUSAN                                                         
                                            ADDRESS     :    7029 SULKY LANE                                          
  MORTGAGE AMT:       304,550.00            CITY               ROCKVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MD   20852                                             
  UNPAID BALANCE:    304,096.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,129.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98843            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080018591               MORTGAGORS:        REMUS, THEODORE                                                    
                                            ADDRESS     :    24681 CHARLTON DRIVE                                     
  MORTGAGE AMT:       336,000.00            CITY               LAGUNA HILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.25000                               CA   92653                                             
  UNPAID BALANCE:    335,785.740            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,524.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080018955               MORTGAGORS:        ZAMBORSKY, JOSEPH                                                  

                                                   ZAMBORSKY, LISA                                                    
                                            ADDRESS     :    20 WILLOW LANE                                           
  MORTGAGE AMT:       280,000.00            CITY               NEWMAN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30263                                             
  UNPAID BALANCE:    279,776.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,886.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.27056            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080019227               MORTGAGORS:        KIRITZOV, STEFAN                                                   
                                                   Kiritzov, Nwlly                                                    
                                                   KIRITZOV, NELLY                                                    
                                            ADDRESS     :    5172 SILVER BIRCH DRIVE                                  
  MORTGAGE AMT:       364,700.00            CITY               CASTRO VALL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94552                                             
  UNPAID BALANCE:    364,408.360            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,457.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98772            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080019326               MORTGAGORS:        HIGA, ERIC                                                         

                                                   LIM HIGA, SANDRA                                                   
                                            ADDRESS     :    9728 RAVARI DRIVE                                        
  MORTGAGE AMT:       247,000.00            CITY               CYPRESS                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90630                                             
  UNPAID BALANCE:    246,622.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,705.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.17136            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080019367               MORTGAGORS:        Dunkerson, Frankie                                                 

                                                   Dunkerson, Constance                                               
                                            ADDRESS     :    8509 Accotink Road                                       
  MORTGAGE AMT:       300,650.00            CITY               Lorton                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22079                                             
  UNPAID BALANCE:    300,403.560            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,000.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.17000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080019383               MORTGAGORS:        REYNOSO, JERRY                                                     

                                                   REYNOSO, STEPHANIE                                                 
                                            ADDRESS     :    21 CERVANKS                                              
  MORTGAGE AMT:       561,000.00            CITY               NEWPORT BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92660                                             
  UNPAID BALANCE:    560,516.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,638.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080019938               MORTGAGORS:        CONNOR, MICHAEL                                                    
                                            ADDRESS     :    300 WATERFRONT PARK LANE                                 
  MORTGAGE AMT:       360,000.00            CITY               DAWSONVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30534                                             
  UNPAID BALANCE:    359,697.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,364.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080020191               MORTGAGORS:        NISHIOKA, GREG                                                     

                                                   NISHIOKA, ELLEN                                                    
                                            ADDRESS     :    3412 MANOA ROAD                                          
  MORTGAGE AMT:       476,000.00            CITY               HONOLULU                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               HI   96822                                             
  UNPAID BALANCE:    475,600.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,126.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080020290               MORTGAGORS:        HAYASHI, JOE                                                       

                                                   ESTACIO, AILEEN                                                    
                                            ADDRESS     :    1405 OAK STREET                                          
  MORTGAGE AMT:       400,000.00            CITY               SAN MATEO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94402                                             
  UNPAID BALANCE:    399,680.130            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,694.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080020332               MORTGAGORS:        SHAUGHNESSY, JAMES                                                 

                                                   SHAUGHNESSY, MARIE                                                 
                                            ADDRESS     :    73 SYCAMORE STREET                                       
  MORTGAGE AMT:       165,000.00            CITY               NORWOOD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02062                                             
  UNPAID BALANCE:    165,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,279.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.66176            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:104                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080021082               MORTGAGORS:        PRECIADO, VIDAL                                                    
                                            ADDRESS     :    4240 BASSETT STREET                                      
  MORTGAGE AMT:       210,000.00            CITY               SANTA CLARA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   95054                                             
  UNPAID BALANCE:    209,687.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,468.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.22071            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080021181               MORTGAGORS:        OLIVER, BRADLEY                                                    

                                                   OLIVER, SUZANNE                                                    
                                            ADDRESS     :    516 ANTHONYS DRIVE                                       
  MORTGAGE AMT:       340,000.00            CITY               EXTON                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               PA   19341                                             
  UNPAID BALANCE:    339,700.020            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,177.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.18317            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080021462               MORTGAGORS:        NOBLE, DOUGLAS                                                     
                                            ADDRESS     :    40 BATTERY STREET                                        
  MORTGAGE AMT:       494,000.00            CITY               BOSTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   02109                                             
  UNPAID BALANCE:    493,633.380            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,454.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 52.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080021520               MORTGAGORS:        MISHRA, PRATEEK                                                    

                                                   SHILCRAT, ESTHER                                                   
                                            ADDRESS     :    30 BERNARD STREET                                        
  MORTGAGE AMT:       299,250.00            CITY               NEWTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   02465                                             
  UNPAID BALANCE:    299,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,066.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080021694               MORTGAGORS:        BERGER, TORSTEN                                                    

                                                   ANDERSON, JAMIE                                                    
                                            ADDRESS     :    51 LONGFELLOW ROAD                                       
  MORTGAGE AMT:       249,600.00            CITY               WATERTOWN                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02472                                             
  UNPAID BALANCE:    249,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,660.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080021801               MORTGAGORS:        BICKFORD, PAUL                                                     

                                                   BICKFORD, HELEN                                                    
                                            ADDRESS     :    4213 WILTON WOODS LANE                                   
  MORTGAGE AMT:       252,000.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               VA   22310                                             
  UNPAID BALANCE:    251,808.250            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,740.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080022247               MORTGAGORS:        GOLDSTEIN, KYMN                                                    
                                            ADDRESS     :    7370 ROSEWOOD AVENUE                                     
  MORTGAGE AMT:       278,500.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90036                                             
  UNPAID BALANCE:    278,271.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,852.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.83871            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080022452               MORTGAGORS:        HACKATHORN, THOMAS                                                 

                                                   HACKATHORN, JILL                                                   
                                            ADDRESS     :    3417 VIA PALOMINO                                        
  MORTGAGE AMT:       526,650.00            CITY               PALOS VERDE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90274                                             
  UNPAID BALANCE:    526,239.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,592.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 47.87727            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080022718               MORTGAGORS:        BRAINARD, ERIK                                                     

                                                   BRAINARD, JUDITH                                                   
                                            ADDRESS     :    520 ABBEY GLEN DRIVE                                     
  MORTGAGE AMT:       311,000.00            CITY               SAINT CHARL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60175                                             
  UNPAID BALANCE:    310,757.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,121.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.28184            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080022783               MORTGAGORS:        HEISER, JEFFREY                                                    
                                            ADDRESS     :    5907 LINDEN AVENUE NORTH                                 
  MORTGAGE AMT:       316,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               WA   98103                                             
  UNPAID BALANCE:    315,765.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,209.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080022981               MORTGAGORS:        OSBORNE, SHERYL                                                    
                                            ADDRESS     :    704 ARDEN AVENUE                                         
  MORTGAGE AMT:       327,900.00            CITY               ENCINITAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92024                                             
  UNPAID BALANCE:    327,637.790            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,209.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99512            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080025000               MORTGAGORS:        VERCHOTA, ROBERT                                                   

                                                   VERCHOTA, NANCY                                                    
                                            ADDRESS     :    8365 S BONITA VISTA STREE                                
  MORTGAGE AMT:       562,500.00            CITY               LAS VEGAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.00000                               NV   89113                                             
  UNPAID BALANCE:    562,122.570            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,127.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080025471               MORTGAGORS:        JOHNSON, SCOT                                                      

                                                   JOHNSON, KATHERINE                                                 
                                            ADDRESS     :    6360 23RD TERRACE NORTH                                  
  MORTGAGE AMT:        69,300.00            CITY               ST PETERSBU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               FL   33710                                             
  UNPAID BALANCE:     69,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            547.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.57798            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080025646               MORTGAGORS:        GLAZIER, DAVID                                                     

                                                   GLAZIER, ALISON                                                    
                                            ADDRESS     :    2884 WEST CANYON AVE                                     
  MORTGAGE AMT:       275,500.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92123                                             
  UNPAID BALANCE:    275,290.360            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,902.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99744            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080025760               MORTGAGORS:        COSTELLO, CHARLES                                                  

                                                   DAKINS COSTE, ALISA                                                
                                            ADDRESS     :    43398 LONGVIEW DRIVE                                     
  MORTGAGE AMT:       239,750.00            CITY               ASHBURN                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   20148                                             
  UNPAID BALANCE:    239,548.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,574.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99266            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080025950               MORTGAGORS:        HOLUB, DANIEL                                                      

                                                   HOLUB, ALISON                                                      
                                            ADDRESS     :    5541 GRASSLAND TRAIL                                     
  MORTGAGE AMT:       251,650.00            CITY               MIDDLETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WI   53562                                             
  UNPAID BALANCE:    251,448.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,695.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99811            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080025976               MORTGAGORS:        YU, SEE                                                            

                                                   YU, AYLIN                                                          
                                            ADDRESS     :    1305 MONTEREY ROAD                                       
  MORTGAGE AMT:       284,600.00            CITY               SOUTH PASAD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91030                                             
  UNPAID BALANCE:    284,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,869.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.35644            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026164               MORTGAGORS:        O REILLY, HUGH                                                     

                                                   LORDAN, ANDREA                                                     
                                            ADDRESS     :    16 18 BOWDOIN STREET                                     
  MORTGAGE AMT:       363,000.00            CITY               CAMBRIDGE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MA   02138                                             
  UNPAID BALANCE:    363,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,384.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.08163            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026289               MORTGAGORS:        SCULLY, MICHAEL                                                    

                                                   SCULLY, NANCY                                                      
                                            ADDRESS     :    915 917 SOUTH B STREET                                   
  MORTGAGE AMT:       324,000.00            CITY               SAN MATEO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               CA   94401                                             
  UNPAID BALANCE:    323,777.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,349.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026313               MORTGAGORS:        ANDERSON, JOHN                                                     

                                                   ANDERSON, ANGELA                                                   
                                            ADDRESS     :    14762 RIDGEBORO PLACE                                    
  MORTGAGE AMT:       234,000.00            CITY               TUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92780                                             
  UNPAID BALANCE:    233,803.420            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,537.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026453               MORTGAGORS:        KISHI, KURTIS                                                      

                                                   KISHI, ELSIE                                                       
                                            ADDRESS     :    2285 GLEN CANYON ROAD                                    
  MORTGAGE AMT:       336,000.00            CITY               ALTADENA AR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91001                                             
  UNPAID BALANCE:    335,737.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,292.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026529               MORTGAGORS:        ANDERSON, HAROLD                                                   
                                            ADDRESS     :    1836 HILLCREST ROAD                                      
  MORTGAGE AMT:       372,800.00            CITY               SANTA BARBA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   93103                                             
  UNPAID BALANCE:    372,509.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,543.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026560               MORTGAGORS:        MESSER, ANTHONY                                                    

                                                   MESSER, LORI                                                       
                                            ADDRESS     :    1582 SOUTH MARGATE STREET                                
  MORTGAGE AMT:       290,200.00            CITY               CHANDLER                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AZ   85248                                             
  UNPAID BALANCE:    289,967.920            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,955.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.02928            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026586               MORTGAGORS:        GALLAGHER, JAMES                                                   

                                                   GALLAGHER, CECELIA                                                 
                                            ADDRESS     :    21209 VINTAGE STREET                                     
  MORTGAGE AMT:       292,800.00            CITY               CHATSWORTH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   91311                                             
  UNPAID BALANCE:    292,582.690            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,047.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026693               MORTGAGORS:        LINDEE, GRANT                                                      

                                                   LINDEE, CHRISTA                                                    
                                            ADDRESS     :    1577 JACK PINE ROAD                                      
  MORTGAGE AMT:       458,000.00            CITY               HEALDSBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95448                                             
  UNPAID BALANCE:    457,651.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,163.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.93019            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026909               MORTGAGORS:        MOSKOVITS, PNINA                                                   

                                                   MOSKOVITS, YAKOV                                                   
                                            ADDRESS     :    2609 EAST 65TH STREET                                    
  MORTGAGE AMT:       351,000.00            CITY               BROOKLYN                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NY   11234                                             
  UNPAID BALANCE:    350,719.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,364.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026933               MORTGAGORS:        EDEN, JANET                                                        
                                            ADDRESS     :    333 EAST 30TH STREET                                     
  MORTGAGE AMT:       315,000.00            CITY               NEW YORK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               NY   10016                                             
  UNPAID BALANCE:    315,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,283.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080026966               MORTGAGORS:        HEFFERNAN, EDWARD                                                  

                                                   BLODGETT, JENNIFER                                                 
                                            ADDRESS     :    1101 CHURCH ROAD                                         
  MORTGAGE AMT:       275,000.00            CITY               MALVERN                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               PA   19355                                             
  UNPAID BALANCE:    275,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,173.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.39806            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027030               MORTGAGORS:        FLETCHER, ERIK                                                     

                                                   FLETCHER, PATTY                                                    
                                            ADDRESS     :    22463 EAST WEAVER DRIVE                                  
  MORTGAGE AMT:       249,650.00            CITY               AURORA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CO   80016                                             
  UNPAID BALANCE:    249,464.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,745.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98499            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027196               MORTGAGORS:        ZANDKARIMI, FARNAZ                                                 
                                            ADDRESS     :    1107 VIA ALTA                                            
  MORTGAGE AMT:       465,000.00            CITY               BURBANK                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91501                                             
  UNPAID BALANCE:    464,637.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,172.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027295               MORTGAGORS:        MYHR, MARY                                                         

                                                   CLARK, THOMAS                                                      
                                            ADDRESS     :    34 WINSLOW AVENUE                                        
  MORTGAGE AMT:       273,000.00            CITY               SOMERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               MA   02144                                             
  UNPAID BALANCE:    273,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,748.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.94143            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027352               MORTGAGORS:        WURZBURG, STEPHEN                                                  

                                                   WURZBURG, KATHERINE                                                
                                            ADDRESS     :    871 TERRACE DRIVE                                        
  MORTGAGE AMT:       507,000.00            CITY               LOS ALTOS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94024                                             
  UNPAID BALANCE:    506,574.060            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,330.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.36842            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027568               MORTGAGORS:        GOLD, JEFFREY                                                      
                                            ADDRESS     :    917 KENMARA DRIVE                                        
  MORTGAGE AMT:       302,100.00            CITY               WEST CHESTE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               PA   19380                                             
  UNPAID BALANCE:    301,864.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,060.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99746            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027667               MORTGAGORS:        KATZ, ADAM                                                         

                                                   KATZ, TRACI                                                        
                                            ADDRESS     :    25 ELM PLACE                                             
  MORTGAGE AMT:       650,000.00            CITY               NEW CANAAN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CT   06840                                             
  UNPAID BALANCE:    649,492.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,434.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.03825            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027907               MORTGAGORS:        JAMER, JEFFREY                                                     
                                                   JAMER, DEBORAH                                                     

                                                   JAMER, DEBRA                                                       
                                            ADDRESS     :    16 FLORIE FARM ROAD                                      
  MORTGAGE AMT:       325,000.00            CITY               BORO OF MEN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07945                                             
  UNPAID BALANCE:    325,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,189.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.28571            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080027980               MORTGAGORS:        BAINS, SARTAJ                                                      

                                                   BAINS, SATINDER                                                    
                                            ADDRESS     :    1753 KRPAN DRIVE                                         
  MORTGAGE AMT:       371,750.00            CITY               ROSEVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95747                                             
  UNPAID BALANCE:    371,452.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,504.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99458            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028194               MORTGAGORS:        HUFFMAN, LAWRENCE                                                  

                                                   HUFFMAN, PATRICIA                                                  
                                            ADDRESS     :    5 BAY STATE ROAD                                         
  MORTGAGE AMT:       350,000.00            CITY               WELLESLEY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02481                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,387.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 46.97987            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028301               MORTGAGORS:        STRASBURGER, FRANK                                                 

                                                   STRASBURGER, CAROLINE                                              
                                            ADDRESS     :    79 LAFAYETTE ROAD                                        
  MORTGAGE AMT:       650,000.00            CITY               PRINCETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   08540                                             
  UNPAID BALANCE:    649,505.400            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,489.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.22222            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028319               MORTGAGORS:        DI MICELLI, LEONARD                                                

                                                   DI MICELLI, KAREN                                                  
                                            ADDRESS     :    621 ORIENTA AVENUE                                       
  MORTGAGE AMT:       400,000.00            CITY               MAMARONECK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NY   10543                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,627.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.79236            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028327               MORTGAGORS:        SHIRLEY, ROBERT                                                    

                                                   CHAVEZ, SONDRA                                                     
                                            ADDRESS     :    19943 WELLINGTON WAY                                     
  MORTGAGE AMT:       336,000.00            CITY               WOODLAND HI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91367                                             
  UNPAID BALANCE:    335,724.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,235.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.36364            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028350               MORTGAGORS:        SALEHI, ALI                                                        

                                                   AJDARI, MIRIAM                                                     
                                            ADDRESS     :    5550 PATTILAR AVENUE                                     
  MORTGAGE AMT:       252,000.00            CITY               WOODLAND HI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91367                                             
  UNPAID BALANCE:    251,788.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,655.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.36364            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028483               MORTGAGORS:        BOWEN, LUKE                                                        

                                                   BOWEN, MARIA                                                       
                                            ADDRESS     :    31 PATRICIA ROAD                                         
  MORTGAGE AMT:       313,000.00            CITY               SUDBURY                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   01776                                             
  UNPAID BALANCE:    313,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,161.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.34146            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028657               MORTGAGORS:        SAKER, RICHARD                                                     
                                            ADDRESS     :    1 LAUREL CT                                              
  MORTGAGE AMT:       557,000.00            CITY               CLARKSBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NJ   08510                                             
  UNPAID BALANCE:    557,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,659.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.87097            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028707               MORTGAGORS:        HOBART, ROBERT                                                     

                                                   HOBART, LESLI                                                      
                                            ADDRESS     :    12823 MUHLEBACH WAY                                      
  MORTGAGE AMT:       327,200.00            CITY               TRUCKEE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   96161                                             
  UNPAID BALANCE:    327,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,232.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028756               MORTGAGORS:        JOHNSON, JANIS                                                     
                                            ADDRESS     :    15 HICKORY HILL ROAD                                     
  MORTGAGE AMT:       412,000.00            CITY               MANCHESTER                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               MA   01944                                             
  UNPAID BALANCE:    411,636.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,638.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080028780               MORTGAGORS:        AMES, ELIZABETH                                                    
                                            ADDRESS     :    323 TAPPAN STREET                                        
  MORTGAGE AMT:       200,000.00            CITY               BROOKLINE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               MA   02445                                             
  UNPAID BALANCE:    200,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,264.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.88963            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029135               MORTGAGORS:        HEATHER, ANTHONY                                                   

                                                   POCOCK, IVA                                                        
                                            ADDRESS     :    1906 B HAVEMEYER LANE                                    
  MORTGAGE AMT:       292,000.00            CITY               REDONDO BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90278                                             
  UNPAID BALANCE:    291,777.810            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,016.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029432               MORTGAGORS:        ADLER, JOHN                                                        

                                                   ADLER, SHELLY                                                      
                                            ADDRESS     :    61 CAMEO DRIVE                                           
  MORTGAGE AMT:       275,000.00            CITY               CHERRY HILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NJ   08003                                             
  UNPAID BALANCE:    274,768.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,806.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.36842            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029515               MORTGAGORS:        FORTE, FRANCIOS                                                    

                                                   FORTE, CATHERINE                                                   
                                            ADDRESS     :    6512 SHORELINE DRIVE                                     
  MORTGAGE AMT:       254,000.00            CITY               Little Elm                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               TX   75068                                             
  UNPAID BALANCE:    254,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,732.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.38000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029549               MORTGAGORS:        WOODWORTH, ALISSA                                                  
                                            ADDRESS     :    2846 NORTH HALSTED STREET                                
  MORTGAGE AMT:       260,000.00            CITY               CHICAGO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60657                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029606               MORTGAGORS:        VILLAREAL, STEVEN                                                  
                                            ADDRESS     :    1233 LANCELOT LANE                                       
  MORTGAGE AMT:       191,900.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   95127                                             
  UNPAID BALANCE:    191,734.780            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,244.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.97499            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029622               MORTGAGORS:        PENFIELD, JEFFERSON                                                

                                                   PENFIELD, TONYA                                                    
                                            ADDRESS     :    2918 HIDDEN ELM                                          
  MORTGAGE AMT:       262,000.00            CITY               San Antonio                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TX   78261                                             
  UNPAID BALANCE:    262,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,721.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029655               MORTGAGORS:        SMITH, DONALD                                                      

                                                   Smith, Victoria                                                    
                                            ADDRESS     :    3100 BRIAR LANE                                          
  MORTGAGE AMT:       301,500.00            CITY               Southlake                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               TX   76092                                             
  UNPAID BALANCE:    301,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,005.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029705               MORTGAGORS:        HILDEBRAND, RICHARD                                                

                                                   HILDEBRAND, SUZANNE                                                
                                            ADDRESS     :    4134 MURIETTA AVENUE                                     
  MORTGAGE AMT:       319,500.00            CITY               SHERMAN OAK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91423                                             
  UNPAID BALANCE:    319,256.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,206.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029754               MORTGAGORS:        ZIVEN, DEBRA                                                       
                                            ADDRESS     :    2131 CENTURY PARK LANE                                   
  MORTGAGE AMT:       291,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90067                                             
  UNPAID BALANCE:    290,761.470            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,949.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.95604            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029762               MORTGAGORS:        KAHN, PETER                                                        

                                                   KAHN, CYNTHIA                                                      
                                            ADDRESS     :    4747 LASHEART DRIVE                                      
  MORTGAGE AMT:       530,000.00            CITY               LA CANADA L                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CA   91011                                             
  UNPAID BALANCE:    529,532.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,393.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.64789            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080029945               MORTGAGORS:        PACE, LOUIS                                                        
                                                   pace, denise                                                       
                                                   PACE, DENISE                                                       
                                            ADDRESS     :    219 ALBERTA AVENUE                                       
  MORTGAGE AMT:       472,500.00            CITY               SAN CARLOS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94070                                             
  UNPAID BALANCE:    472,122.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,183.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.40945            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080030307               MORTGAGORS:        MANIN, MARK                                                        

                                                   CORNBLATH, POLLY                                                   
                                            ADDRESS     :    99 GARDNER ROAD                                          
  MORTGAGE AMT:       254,000.00            CITY               BROOKLINE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02146                                             
  UNPAID BALANCE:    253,791.800            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,689.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.44444            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080030315               MORTGAGORS:        LANE, EDWARD                                                       

                                                   LANE, JEANNE                                                       
                                            ADDRESS     :    215 BASSWOOD ROAD                                        
  MORTGAGE AMT:       432,000.00            CITY               LAKE FOREST                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60045                                             
  UNPAID BALANCE:    431,645.890            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,874.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.09091            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080030513               MORTGAGORS:        AURICHIO, FRANK                                                    

                                                   AURICHIO, JULIANNE                                                 
                                            ADDRESS     :    16 HILLSIDE PLACE                                        
  MORTGAGE AMT:       310,000.00            CITY               FAIR HAVEN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NJ   07704                                             
  UNPAID BALANCE:    310,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,167.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.45455            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080030778               MORTGAGORS:        NGUYEN, DAVID                                                      

                                                   NGUYEN, KIMLOAN                                                    
                                            ADDRESS     :    4081 LAKECREST COURT                                     
  MORTGAGE AMT:       340,800.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95148                                             
  UNPAID BALANCE:    340,305.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,412.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080030893               MORTGAGORS:        BALSAM, CARL                                                       

                                                   BALSAM, BARBARA                                                    
                                            ADDRESS     :    2022 MCDANIEL AVENUE                                     
  MORTGAGE AMT:       285,000.00            CITY               EVANSTON                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60201                                             
  UNPAID BALANCE:    285,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,896.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080030992               MORTGAGORS:        DORSEY, EARL                                                       

                                                   MENCHACA, DORA                                                     
                                            ADDRESS     :    2442 33RD STREET                                         
  MORTGAGE AMT:       650,000.00            CITY               SANTA MONIC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90405                                             
  UNPAID BALANCE:    649,480.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,379.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.31325            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031313               MORTGAGORS:        SCHOLL, LARRY                                                      

                                                   SCHOLL, MAURE                                                      
                                            ADDRESS     :    106 MASON AVENUE                                         
  MORTGAGE AMT:       275,000.00            CITY               WEBSTER GRO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MO   63119                                             
  UNPAID BALANCE:    274,768.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,806.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.35583            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031529               MORTGAGORS:        PECHAR, KEITH                                                      
                                            ADDRESS     :    1361 BURROWS ROAD                                        
  MORTGAGE AMT:       171,000.00            CITY               CAMPBELL                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95008                                             
  UNPAID BALANCE:    170,859.830            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,137.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.16129            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031586               MORTGAGORS:        CHAMBERLAIN, JAMES                                                 

                                                   CHAMBERLAIN, BRIDGET                                               
                                            ADDRESS     :    1037 WOODLAND AVENUE                                     
  MORTGAGE AMT:       484,000.00            CITY               SAN CARLOS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94070                                             
  UNPAID BALANCE:    484,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,260.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031644               MORTGAGORS:        ARNOLD, ERICH                                                      

                                                   ZHOU, JIE                                                          
                                            ADDRESS     :    1181 TALL OAKS                                           
  MORTGAGE AMT:       536,000.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60540                                             
  UNPAID BALANCE:    536,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,566.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.86034            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031727               MORTGAGORS:        RATHJE, ELLEN                                                      

                                                   BAXTER, ANDREW                                                     
                                            ADDRESS     :    6708 ROTAN DRIVE                                         
  MORTGAGE AMT:       251,672.00            CITY               AUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               TX   78749                                             
  UNPAID BALANCE:    251,672.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,674.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99996            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031768               MORTGAGORS:        SMITH, STEVEN                                                      
                                            ADDRESS     :    305 RAVEN CLIFF                                          
  MORTGAGE AMT:       305,000.00            CITY               CLEVELAND                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               SC   29635                                             
  UNPAID BALANCE:    305,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,003.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.03297            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031776               MORTGAGORS:        Russell, Diana                                                     

                                                   Trevisani, Lucille                                                 
                                            ADDRESS     :    149 D Street                                             
  MORTGAGE AMT:       275,900.00            CITY               Chula Vista                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91910                                             
  UNPAID BALANCE:    275,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,882.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031784               MORTGAGORS:        MARSHALL, TERRE                                                    
                                            ADDRESS     :    2 ROCKWOOD ROAD                                          
  MORTGAGE AMT:       275,000.00            CITY               NATICK                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01760                                             
  UNPAID BALANCE:    275,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,852.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.72268            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031792               MORTGAGORS:        FLORIANI, THOMAS                                                   

                                                   FLORIANI, GRACE                                                    
                                            ADDRESS     :    100 EAST 7TH STREET                                      
  MORTGAGE AMT:       138,000.00            CITY               BEACH HAVEN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08008                                             
  UNPAID BALANCE:    138,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,090.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080031834               MORTGAGORS:        PEARSON, TIMOTHY                                                   

                                                   PEARSON, PATRICIA                                                  
                                            ADDRESS     :    78 GOVERNOR DRIVE                                        
  MORTGAGE AMT:       340,000.00            CITY               BASKING RID                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07920                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,319.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 48.57143            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032006               MORTGAGORS:        PHU, PHILLIP                                                       

                                                   HSU, CHIHHAN                                                       
                                            ADDRESS     :    76 MAYNARD FARM ROAD                                     
  MORTGAGE AMT:       327,000.00            CITY               SUDBURY                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01776                                             
  UNPAID BALANCE:    327,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,203.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.48315            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032170               MORTGAGORS:        HWANG, JOSEPH                                                      
                                            ADDRESS     :    5708 154TH PLACE SW                                      
  MORTGAGE AMT:       269,750.00            CITY               EDMONDS                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98026                                             
  UNPAID BALANCE:    269,523.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,772.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98607            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032279               MORTGAGORS:        BEARD, WILLIAM                                                     

                                                   PIRRO BEARD, SHARON                                                
                                            ADDRESS     :    8061 WYNDHAM HILL                                        
  MORTGAGE AMT:       280,000.00            CITY               GRANITE BAY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95746                                             
  UNPAID BALANCE:    279,770.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,862.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.87324            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032295               MORTGAGORS:        BERGER, STACY                                                      

                                                   OLSEN, JAMES                                                       
                                            ADDRESS     :    5710 FERNWOOD DRIVE                                      
  MORTGAGE AMT:       275,000.00            CITY               SHINGLE SPR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   95682                                             
  UNPAID BALANCE:    274,763.230            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,783.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.89474            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032329               MORTGAGORS:        STANFORD, CHARLES                                                  

                                                   STANFORD, AVA                                                      
                                            ADDRESS     :    11405 E DE LA O ROAD                                     
  MORTGAGE AMT:       441,550.00            CITY               Scottsdale                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AZ   85255                                             
  UNPAID BALANCE:    441,550.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,937.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.56000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032410               MORTGAGORS:        O'BRIEN, TIMOTHY                                                   

                                                   O'BRIEN, PEGGY                                                     
                                            ADDRESS     :    1825 HUNTERS COURT                                       
  MORTGAGE AMT:       630,000.00            CITY               Steamboat Springs                                      
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80477                                             
  UNPAID BALANCE:    630,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,191.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 50.40000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032550               MORTGAGORS:        KICK, RICHARD                                                      

                                                   KICK, TONI                                                         
                                            ADDRESS     :    1424 KALLIEN AVE                                         
  MORTGAGE AMT:       320,000.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60540                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.91011            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032576               MORTGAGORS:        AKIE, RONALD                                                       

                                                   MOONEY, DAVID                                                      
                                            ADDRESS     :    174 WEST BROOKLINE STREET                                
  MORTGAGE AMT:       424,200.00            CITY               BOSTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02118                                             
  UNPAID BALANCE:    424,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,893.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 38.56364            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032618               MORTGAGORS:        OCONNOR, JOHN                                                      

                                                   OCONNOR, SHEILA                                                    
                                            ADDRESS     :    11 WOODLAWN AVENUE                                       
  MORTGAGE AMT:       365,000.00            CITY               NEEDHAM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02192                                             
  UNPAID BALANCE:    365,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,459.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.83607            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032824               MORTGAGORS:        SPENCE, RAYMOND                                                    

                                                   SPENCE, NORINE                                                     
                                            ADDRESS     :    206 SPRING GROVE LANE                                    
  MORTGAGE AMT:       472,000.00            CITY               SAN RAFAEL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94901                                             
  UNPAID BALANCE:    471,613.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,140.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.98014            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032931               MORTGAGORS:        Ward, Michael                                                      

                                                   Ward, Laura                                                        
                                            ADDRESS     :    46 Livingston Road                                       
  MORTGAGE AMT:       555,000.00            CITY               WELLESLEY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02481                                             
  UNPAID BALANCE:    555,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,739.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080032972               MORTGAGORS:        MC CLELLAN, MICHAEL                                                
                                            ADDRESS     :    2906 COWPER STREET                                       
  MORTGAGE AMT:       290,000.00            CITY               PALO ALTO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   94306                                             
  UNPAID BALANCE:    289,750.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,880.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.69340            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033053               MORTGAGORS:        BILBAO, PETER                                                      

                                                   BILBAO, CLAUDIA                                                    
                                            ADDRESS     :    485 GRIZZLY PEAK BOULEVAR                                
  MORTGAGE AMT:       320,000.00            CITY               BERKELEY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94708                                             
  UNPAID BALANCE:    319,737.700            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.29412            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033137               MORTGAGORS:        SEPULVEDA, SERGIO                                                  

                                                   SEPULVEDA, SANDY                                                   
                                            ADDRESS     :    1702 BONANZA AVENUE                                      
  MORTGAGE AMT:       258,700.00            CITY               SIMI VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93063                                             
  UNPAID BALANCE:    258,487.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,721.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.98261            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033293               MORTGAGORS:        ZURK, LISA                                                         
                                                   Pinton, Michel                                                     

                                                   PINTON, MICHEL                                                     
                                            ADDRESS     :    16 WYNDCLIFF DRIVE                                       
  MORTGAGE AMT:       330,000.00            CITY               ACTON                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01720                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,223.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.56613            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033517               MORTGAGORS:        BISSINGER, MICHAEL                                                 

                                                   BISSINGER, KRISTIN                                                 
                                            ADDRESS     :    31 FAIRFIELD AVE                                         
  MORTGAGE AMT:       287,150.00            CITY               RANDOLPH                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07869                                             
  UNPAID BALANCE:    287,150.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,958.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.76517            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033566               MORTGAGORS:        COHEN, STEVEN                                                      

                                                   COHEN, DANA                                                        
                                            ADDRESS     :    3363 OLD MILL ROAD                                       
  MORTGAGE AMT:       512,000.00            CITY               NORTHBROOK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60062                                             
  UNPAID BALANCE:    512,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,406.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033681               MORTGAGORS:        NORIEGA, MARK                                                      
                                                   Noriega, Karen                                                     

                                                   NORIEGA, KAREN                                                     
                                            ADDRESS     :    2742 ESSEX PLACE                                         
  MORTGAGE AMT:       348,000.00            CITY               EL DORADO H                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95762                                             
  UNPAID BALANCE:    347,748.130            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,463.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033897               MORTGAGORS:        MONTGOMERY, PETER                                                  

                                                   MONTGOMERY, VICTORIA                                               
                                            ADDRESS     :    32261 DUNCAN TERRACE                                     
  MORTGAGE AMT:       279,000.00            CITY               VALLEY CENT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92082                                             
  UNPAID BALANCE:    279,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,879.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.76744            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033921               MORTGAGORS:        NOGI, TETSUJI                                                      

                                                   NOGI, LAURELYN                                                     
                                            ADDRESS     :    36330 PERKINS STREET                                     
  MORTGAGE AMT:       261,200.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94538                                             
  UNPAID BALANCE:    260,985.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,737.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.43844            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080033939               MORTGAGORS:        INGLESE, EDWARD                                                    

                                                   INGLESE, DEBORAH                                                   
                                            ADDRESS     :    612 BRIGHAM YOUNG DRIVE                                  
  MORTGAGE AMT:       478,400.00            CITY               CLAREMONT                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91711                                             
  UNPAID BALANCE:    478,007.860            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,182.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034135               MORTGAGORS:        ROSSINI, LAWRENCE                                                  

                                                   LIVINGSTON, SALLY                                                  
                                            ADDRESS     :    62 MARTIN ROAD                                           
  MORTGAGE AMT:       519,200.00            CITY               CONCORD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   01742                                             
  UNPAID BALANCE:    519,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,630.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034143               MORTGAGORS:        DIAMOND, ERIC                                                      

                                                   DIAMOND, ROBIN                                                     
                                            ADDRESS     :    2 HEMLOCK CT                                             
  MORTGAGE AMT:       287,800.00            CITY               EAST BRUNSW                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08816                                             
  UNPAID BALANCE:    287,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,963.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.97777            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034382               MORTGAGORS:        LANE, JOHN                                                         

                                                   T LANE, LORRAINE                                                   
                                            ADDRESS     :    27 WEST RAYBURN ROAD                                     
  MORTGAGE AMT:       278,000.00            CITY               MILLINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07946                                             
  UNPAID BALANCE:    278,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,872.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.42857            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034507               MORTGAGORS:        SHERBAHN, RICHARD                                                  
                                            ADDRESS     :    42695 LINDEN LANE                                        
  MORTGAGE AMT:       288,000.00            CITY               ANTIOCH                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60002                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,916.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.77839            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034515               MORTGAGORS:        HANNEY, BRIAN                                                      

                                                   HANNEY, MICHELLE                                                   
                                            ADDRESS     :    31 CORNERSTONE DRIVE                                     
  MORTGAGE AMT:       100,000.00            CITY               NORTH EASTO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               MA   02356                                             
  UNPAID BALANCE:    100,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            632.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 21.14165            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034655               MORTGAGORS:        COSS, JUAN                                                         

                                                   MARTINEZ, PATRICIA                                                 
                                            ADDRESS     :    2876 FLINT AVENUE                                        
  MORTGAGE AMT:       270,750.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95148                                             
  UNPAID BALANCE:    270,326.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,846.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080034804               MORTGAGORS:        GALLAGHER, CHARLES                                                 

                                                   HARRISON GAL, BRENDA                                               
                                            ADDRESS     :    233 BAYBERRY LANE                                        
  MORTGAGE AMT:       440,000.00            CITY               WESTPORT                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CT   06880                                             
  UNPAID BALANCE:    440,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,964.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.96774            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035066               MORTGAGORS:        CHRISTIAN, CHAD                                                    
                                            ADDRESS     :    865 WEST 20TH STREET                                     
  MORTGAGE AMT:       229,500.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90731                                             
  UNPAID BALANCE:    229,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,546.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035074               MORTGAGORS:        KHOURY, GEORGE                                                     

                                                   KHOURY, COURTENAY                                                  
                                            ADDRESS     :    15 TOKENEKE TRAIL                                        
  MORTGAGE AMT:       550,000.00            CITY               DARIEN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CT   06820                                             
  UNPAID BALANCE:    550,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,705.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 16.92308            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035140               MORTGAGORS:        ECHELARD, YANN                                                     

                                                   FUJIWARA, YUKO                                                     
                                            ADDRESS     :    248 MOSS HILL ROAD                                       
  MORTGAGE AMT:       256,000.00            CITY               JAMAICA PLA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02130                                             
  UNPAID BALANCE:    256,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,703.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035199               MORTGAGORS:        BELL, ERIN                                                         

                                                   ADAMS, THOMAS                                                      
                                            ADDRESS     :    88 WILLISTON ROAD                                        
  MORTGAGE AMT:       475,000.00            CITY               BROOKLINE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02446                                             
  UNPAID BALANCE:    475,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,160.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.29833            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035249               MORTGAGORS:        MONTAGNINO, JAMES                                                  

                                                   MONTAGNINO, SUSAN                                                  
                                            ADDRESS     :    2503 DUNHAM WOODS COURT                                  
  MORTGAGE AMT:       418,000.00            CITY               ST CHARLES                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               IL   60174                                             
  UNPAID BALANCE:    418,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,676.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99663            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035264               MORTGAGORS:        BAKER, ROBERT                                                      

                                                   BAKER, BARBARA                                                     
                                            ADDRESS     :    222 S SUGAN ROAD                                         
  MORTGAGE AMT:       300,000.00            CITY               NEW HOPE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.25000                               PA   18938                                             
  UNPAID BALANCE:    299,715.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,847.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.94737            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035389               MORTGAGORS:        LUDwIG, ROGER                                                      

                                                   LUDWIG, SUSAN                                                      
                                            ADDRESS     :    19 GROVERS AVENUE                                        
  MORTGAGE AMT:       312,000.00            CITY               BRIDGEPORT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CT   06606                                             
  UNPAID BALANCE:    312,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035462               MORTGAGORS:        BURT, MICHAEL                                                      

                                                   BURT, CATHERINE                                                    
                                            ADDRESS     :    119 LEE STREET                                           
  MORTGAGE AMT:       387,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98109                                             
  UNPAID BALANCE:    387,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,640.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035512               MORTGAGORS:        LEONARD, SHAWN                                                     

                                                   LEONARD, KATHLEEN                                                  
                                            ADDRESS     :    43651 SE 171ST STREET                                    
  MORTGAGE AMT:       249,600.00            CITY               NORTH BEND                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98045                                             
  UNPAID BALANCE:    249,400.400            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,681.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035538               MORTGAGORS:        LEE, DARRIN                                                        

                                                   WESTERHOUT L, VANESSA                                              
                                            ADDRESS     :    10034 177TH AVENUE NORTHE                                
  MORTGAGE AMT:       279,600.00            CITY               REDMOND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98052                                             
  UNPAID BALANCE:    279,370.810            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,860.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035553               MORTGAGORS:        MCCABE, MARYA                                                      

                                                   BABONAS, WILLIAM                                                   
                                            ADDRESS     :    808 33RD AVENUE                                          
  MORTGAGE AMT:       285,600.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98122                                             
  UNPAID BALANCE:    285,365.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,900.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035678               MORTGAGORS:        CUSANELLO, DAVID                                                   

                                                   MANICKAS, KRISTA                                                   
                                            ADDRESS     :    55 LEDGELAWN AVENUE                                      
  MORTGAGE AMT:       463,000.00            CITY               LEXINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MA   02420                                             
  UNPAID BALANCE:    462,611.010            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,041.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.47458            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035702               MORTGAGORS:        WAUTERS, KEITH                                                     

                                                   WAUTERS, RUTH                                                      
                                            ADDRESS     :    3 INDIGO LANE                                            
  MORTGAGE AMT:       273,000.00            CITY               WESTFORD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01886                                             
  UNPAID BALANCE:    272,781.690            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,839.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.84211            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035793               MORTGAGORS:        JACOBS, DOUGLAS                                                    
                                            ADDRESS     :    140 BASSWOOD LANE                                        
  MORTGAGE AMT:       600,000.00            CITY               MORELAND HI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               OH   44022                                             
  UNPAID BALANCE:    600,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,941.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.91371            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080035900               MORTGAGORS:        STETINA, KIT                                                       
                                                   stetina, deborah                                                   

                                                   STETINA, DEBORAH                                                   
                                            ADDRESS     :    7345 VISTA RANCHO COURT                                  
  MORTGAGE AMT:       843,000.00            CITY               RANCHO SANT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92067                                             
  UNPAID BALANCE:    842,358.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,822.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.58824            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080036247               MORTGAGORS:        D AVANZO, LOUIS                                                    

                                                   SCHWARTZ, TANYA                                                    
                                            ADDRESS     :    1123 KOOHOO PLACE                                        
  MORTGAGE AMT:       360,000.00            CITY               KAILUA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               HI   96734                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,305.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.06897            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080036346               MORTGAGORS:        SMITH, MARK                                                        

                                                   SMITH, LORI                                                        
                                            ADDRESS     :    27110 HIGHLANDS LANE                                     
  MORTGAGE AMT:       270,250.00            CITY               Valencia (AREA)                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CA   91354                                             
  UNPAID BALANCE:    270,011.570            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,730.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.21429            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080036676               MORTGAGORS:        HARRIGAN, ANTHONY                                                  

                                                   HARRIGAN, CHASE                                                    
                                            ADDRESS     :    5014 GLENBROOK TERRACE                                   
  MORTGAGE AMT:       547,500.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               DC   20016                                             
  UNPAID BALANCE:    547,093.680            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,828.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080037468               MORTGAGORS:        L SMITH, MICHAEL                                                   
                                            ADDRESS     :    21 ZANCO WAY                                             
  MORTGAGE AMT:       248,800.00            CITY               NOVATO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94947                                             
  UNPAID BALANCE:    248,615.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,739.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080037641               MORTGAGORS:        FICO, CYNTHIA                                                      
                                                   SIMPSON, JOHN                                                      

                                                   SIMPSON, JOHN                                                      
                                            ADDRESS     :    133 EATONS NECK ROAD                                     
  MORTGAGE AMT:       261,700.00            CITY               EATONS NECK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NY   11768                                             
  UNPAID BALANCE:    261,505.790            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,829.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99093            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080037674               MORTGAGORS:        DECKER, MARK                                                       
                                                   DECKER, CAROLYN                                                    

                                                   DECKER, CAROLYN                                                    
                                            ADDRESS     :    27 SUBURBAN AVENUE                                       
  MORTGAGE AMT:       388,000.00            CITY               COS COB                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CT   06807                                             
  UNPAID BALANCE:    388,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,712.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080037708               MORTGAGORS:        VIGNALE, STEPHEN                                                   

                                                   VIGNALE, SUSAN                                                     
                                            ADDRESS     :    4118 LANTERMAN LANE                                      
  MORTGAGE AMT:       320,000.00            CITY               LA CANADA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91011                                             
  UNPAID BALANCE:    319,750.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080038334               MORTGAGORS:        GELLER, GREGORY                                                    

                                                   GELLER, RACHELLE                                                   
                                            ADDRESS     :    370 JACKSON STREET                                       
  MORTGAGE AMT:       418,500.00            CITY               DENVER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CO   80206                                             
  UNPAID BALANCE:    418,181.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,890.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080038961               MORTGAGORS:        PUTSCHE, HARRY                                                     

                                                   PUTSCHE, MARLENE                                                   
                                            ADDRESS     :    8913 CHESAPEAKE AVENUE                                   
  MORTGAGE AMT:       265,000.00            CITY               BALTIMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21219                                             
  UNPAID BALANCE:    262,059.840            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,807.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.12698            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039118               MORTGAGORS:        HARRISSON, PETER                                                   
                                                   Harrisson, Charlena                                                

                                                   HARRISSON, CHARLENA                                                
                                            ADDRESS     :    6 HASSAKE ROAD                                           
  MORTGAGE AMT:       308,000.00            CITY               GREENWICH                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CT   06830                                             
  UNPAID BALANCE:    308,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,023.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039407               MORTGAGORS:        CAPOZZA, MICHAEL                                                   

                                                   CAPOZZA, MARIANNE                                                  
                                            ADDRESS     :    101 GARDENIA AVENUE                                      
  MORTGAGE AMT:       275,500.00            CITY               PONTE VEDRA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               FL   32082                                             
  UNPAID BALANCE:    275,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,926.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039589               MORTGAGORS:        GUADAGNO, ALBERT                                                   
                                                   BRYAN, JANE                                                        

                                                   BRYAN, JAMES                                                       
                                            ADDRESS     :    905 13TH AVENUE EAST                                     
  MORTGAGE AMT:       431,500.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98102                                             
  UNPAID BALANCE:    431,163.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,943.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.27160            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039688               MORTGAGORS:        SCHULLER, ARTHUR                                                   

                                                   SCHULLER, JANE                                                     
                                            ADDRESS     :    26401 LUCIE LANE                                         
  MORTGAGE AMT:       500,000.00            CITY               Salinas                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93908                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,326.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039704               MORTGAGORS:        LEIBOVITZ, JEFFREY                                                 

                                                   BIRD, LOUISE                                                       
                                            ADDRESS     :    115-117 SOUTH PARK STREET                                
  MORTGAGE AMT:       483,200.00            CITY               San Francisco                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94107                                             
  UNPAID BALANCE:    483,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,378.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.21000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039712               MORTGAGORS:        NEATHERTON, MICHAEL                                                

                                                   NEATHERTON, MARIA                                                  
                                            ADDRESS     :    39550 REGENCY WAY                                        
  MORTGAGE AMT:       252,000.00            CITY               PALM DESERT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92211                                             
  UNPAID BALANCE:    251,793.440            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,676.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039787               MORTGAGORS:        TRUITT, LAURA                                                      

                                                   DOUGHERTY, CHARLES                                                 
                                            ADDRESS     :    3715 TANGLEWOOD LANE                                     
  MORTGAGE AMT:       250,000.00            CITY               DAVIDSONVIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21035                                             
  UNPAID BALANCE:    249,795.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,663.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.42857            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039886               MORTGAGORS:        DAVIS, HUBERT                                                      

                                                   DAVIS, SALLY                                                       
                                            ADDRESS     :    806 VISTA DEL LAGO                                       
  MORTGAGE AMT:       306,000.00            CITY               HUFFMAN                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               TX   77336                                             
  UNPAID BALANCE:    305,755.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,061.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039928               MORTGAGORS:        WALCZAK, THOMAS                                                    

                                                   WALCZAK, VALERIE                                                   
                                            ADDRESS     :    17 PINEHURST DRIVE                                       
  MORTGAGE AMT:       248,000.00            CITY               MAMMOTH LAK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93546                                             
  UNPAID BALANCE:    247,796.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,649.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.62128            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080039936               MORTGAGORS:        OHERN, PARTICK                                                     

                                                   OHERN, BONNIE                                                      
                                            ADDRESS     :    1061 SOUTH PATRICK WAY                                   
  MORTGAGE AMT:       352,500.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92808                                             
  UNPAID BALANCE:    352,218.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,374.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040017               MORTGAGORS:        VAILLANCOURT, EDWARD                                               

                                                   VAILLANCOURT, STACY                                                
                                            ADDRESS     :    107 WESTFORD STREET                                      
  MORTGAGE AMT:       355,000.00            CITY               DUNSTABLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   01827                                             
  UNPAID BALANCE:    351,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,482.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040066               MORTGAGORS:        PALMER, ROBERT                                                     

                                                   RYAN PALMER, MARYANNE                                              
                                            ADDRESS     :    89 STETSON ROAD                                          
  MORTGAGE AMT:       258,000.00            CITY               NORWELL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   02061                                             
  UNPAID BALANCE:    258,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,781.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.78261            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040082               MORTGAGORS:        BARBERA, ROBERT                                                    

                                                   BARBERA, TERRI                                                     
                                            ADDRESS     :    228 LORRAINE COURT                                       
  MORTGAGE AMT:       319,950.00            CITY               HEALDSBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95448                                             
  UNPAID BALANCE:    319,706.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,209.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99750            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040199               MORTGAGORS:        STEINHORN, JEFFREY                                                 
                                            ADDRESS     :    16 TIGER HILL DRIVE                                      
  MORTGAGE AMT:       408,000.00            CITY               PEAPACK-GLADSTONE                                      
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07934                                             
  UNPAID BALANCE:    408,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,714.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040231               MORTGAGORS:        SUMMER, RICHARD                                                    

                                                   SUMMER, GIULIANA                                                   
                                            ADDRESS     :    112 CLARA PLACE                                          
  MORTGAGE AMT:       280,600.00            CITY               ELMHURST                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60126                                             
  UNPAID BALANCE:    280,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,890.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98984            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040298               MORTGAGORS:        Stamberg, David                                                    

                                                   Stramberg, Nina                                                    
                                            ADDRESS     :    20 Patton lane                                           
  MORTGAGE AMT:       300,000.00            CITY               Center                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   08051                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 44.78000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040322               MORTGAGORS:        COYLE, JOHN                                                        

                                                   COYLE, SUSAN                                                       
                                            ADDRESS     :    109 COUNTRY VIEW DRIVE                                   
  MORTGAGE AMT:       355,000.00            CITY               FREEHOLD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07728                                             
  UNPAID BALANCE:    355,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,361.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96432            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040389               MORTGAGORS:        PFLUG, PETER                                                       

                                                   PFLUG, LISA                                                        
                                            ADDRESS     :    60 ROUND HILL ROAD                                       
  MORTGAGE AMT:       385,900.00            CITY               FREEHOLD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07728                                             
  UNPAID BALANCE:    385,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,599.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.95960            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080040710               MORTGAGORS:        DEBEL, ANDRE                                                       
                                                   DEBEL, PATRICIA                                                    
                                                   DEBEL, PATRICIA                                                    
                                            ADDRESS     :    173 GRANT COURT                                          
  MORTGAGE AMT:       334,000.00            CITY               PETALUMA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94952                                             
  UNPAID BALANCE:    333,726.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,222.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.29461            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080041262               MORTGAGORS:        PHELPS, RICK                                                       

                                                   PHELPS, LINDA                                                      
                                            ADDRESS     :    90 JOPPA HILL ROAD                                       
  MORTGAGE AMT:       355,200.00            CITY               BEDFORD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               NH   03110                                             
  UNPAID BALANCE:    355,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,303.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080041411               MORTGAGORS:        WEINBERGER, STANLEY                                                

                                                   WEINBERGER, MARINA                                                 
                                            ADDRESS     :    84 BERKELEY AVENUE                                       
  MORTGAGE AMT:       392,000.00            CITY               SAN ANSELMO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94960                                             
  UNPAID BALANCE:    391,701.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,707.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080041494               MORTGAGORS:        BORELLI, NEAL                                                      
                                            ADDRESS     :    834 ROMANI COURT                                         
  MORTGAGE AMT:       282,950.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95125                                             
  UNPAID BALANCE:    282,718.060            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,882.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.28057            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080041635               MORTGAGORS:        GEE, MICHAEL                                                       

                                                   GEE, CHRISTINE                                                     
                                            ADDRESS     :    3 SUNSET LANE                                            
  MORTGAGE AMT:       188,000.00            CITY               SOUTH CHINA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               ME   04358                                             
  UNPAID BALANCE:    187,849.650            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,266.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080041742               MORTGAGORS:        BAGG, ROD                                                          

                                                   LANG, MARY                                                         
                                            ADDRESS     :    1157 SHASTA AVE                                          
  MORTGAGE AMT:       317,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95126                                             
  UNPAID BALANCE:    316,740.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,109.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.25000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042096               MORTGAGORS:        XIAO, SIZHANG                                                      

                                                   REN, MEINA                                                         
                                            ADDRESS     :    18742 ALFRED AVENUE                                      
  MORTGAGE AMT:       300,000.00            CITY               CERRITOS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   90703                                             
  UNPAID BALANCE:    299,741.700            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,945.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042112               MORTGAGORS:        HOFFEND, CRAIG                                                     
                                            ADDRESS     :    1453 S INDIANA AVENUE                                    
  MORTGAGE AMT:       255,000.00            CITY               CHICAGO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60605                                             
  UNPAID BALANCE:    255,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,717.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.55696            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042237               MORTGAGORS:        GONZALEZ, JOHN                                                     

                                                   YATES, BEVERLY                                                     
                                            ADDRESS     :    2022 NE 15TH AVENUE                                      
  MORTGAGE AMT:       347,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               OR   97212                                             
  UNPAID BALANCE:    346,715.570            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,308.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.77011            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042443               MORTGAGORS:        PANICO, MICHELLE                                                   
                                            ADDRESS     :    345 HOLLY FERRY ROAD                                     
  MORTGAGE AMT:       525,000.00            CITY               PROSPERITY                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               SC   29127                                             
  UNPAID BALANCE:    524,600.510            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,626.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042526               MORTGAGORS:        KHARASH, GALINA                                                    

                                                   KHARASH, ARKADY                                                    
                                            ADDRESS     :    9 RUSSEL PARK ROAD                                       
  MORTGAGE AMT:       292,300.00            CITY               SYOSSET                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               NY   11791                                             
  UNPAID BALANCE:    291,721.650            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,222.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.24176            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042575               MORTGAGORS:        HALE, MARLUND                                                      

                                                   HALE, ROCHELLE                                                     
                                            ADDRESS     :    663 BRISTOL AVENUE                                       
  MORTGAGE AMT:       322,000.00            CITY               SIMI VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   93065                                             
  UNPAID BALANCE:    321,729.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,115.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042831               MORTGAGORS:        BRANCACCIO, VINCENT                                                
                                            ADDRESS     :    3 ANDREW WYETH WAY                                       
  MORTGAGE AMT:       257,600.00            CITY               EVESHAM TWP                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   08053                                             
  UNPAID BALANCE:    257,388.850            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,713.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.79555            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080042971               MORTGAGORS:        KIDD, BRUCE                                                        

                                                   KIDD, JANA                                                         
                                            ADDRESS     :    24575 PASEO DE TORONTO                                   
  MORTGAGE AMT:       337,000.00            CITY               YORBA LINDA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92887                                             
  UNPAID BALANCE:    336,670.700            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,327.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.20833            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043409               MORTGAGORS:        PAFF, MITCHELL                                                     
                                            ADDRESS     :    1714 MARSHALL FIELD LANE                                 
  MORTGAGE AMT:       372,600.00            CITY               REDONDO BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90278                                             
  UNPAID BALANCE:    372,286.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,447.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043680               MORTGAGORS:        LOUBE, DANIEL                                                      

                                                   LOUBE, ALICIA                                                      
                                            ADDRESS     :    3048 32ND AVENUE WEST                                    
  MORTGAGE AMT:       395,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               WA   98199                                             
  UNPAID BALANCE:    394,651.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,529.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.95537            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043789               MORTGAGORS:        AMSDEN, NEAL                                                       

                                                   AMSDEN, CHRISTA                                                    
                                            ADDRESS     :    1580 TRUMAN AVENUE                                       
  MORTGAGE AMT:       550,000.00            CITY               LOS ALTOS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94024                                             
  UNPAID BALANCE:    549,581.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,798.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.83605            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043821               MORTGAGORS:        DAKERS, JEANNIE                                                    
                                                   BENNETT, NANCY                                                     
                                                   BENNETT, JAMES                                                     
                                            ADDRESS     :    5205 WINDING WAY                                         
  MORTGAGE AMT:       260,500.00            CITY               AUBURN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95602                                             
  UNPAID BALANCE:    260,286.470            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,733.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.94752            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043854               MORTGAGORS:        BENIOFF, RON                                                       

                                                   BENIOFF, NANCY                                                     
                                            ADDRESS     :    1920 PARFET ESTATES DR                                   
  MORTGAGE AMT:       302,000.00            CITY               GOLDEN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CO   80401                                             
  UNPAID BALANCE:    300,951.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,958.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.89418            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043862               MORTGAGORS:        BROOKS, WAYNE                                                      
                                            ADDRESS     :    6062 LIDO LANE                                           
  MORTGAGE AMT:     1,600,000.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   90803                                             
  UNPAID BALANCE:     1,598,812.            OPTION TO CONVERT :      No                                               
                             560                                                                                      
  MONTHLY P&I:         11,187.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080043995               MORTGAGORS:        LOTFABADI, HADI                                                    
                                            ADDRESS     :    3327 SPARR BLVD                                          
  MORTGAGE AMT:       265,600.00            CITY               GLENDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91208                                             
  UNPAID BALANCE:    265,397.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,834.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044480               MORTGAGORS:        SANDERS, TERESA                                                    

                                                   SANDERS, CHARLES                                                   
                                            ADDRESS     :    1236 HIGHLAND LAKES TRAIL                                
  MORTGAGE AMT:       305,000.00            CITY               BIRMINGHAM                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               AL   35242                                             
  UNPAID BALANCE:    304,743.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,003.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.50877            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044563               MORTGAGORS:        REYNOLDS, RONALD                                                   
                                            ADDRESS     :    28626 SOUTH MOUNT WHITNEY                                
  MORTGAGE AMT:       278,000.00            CITY               RANCHO PALO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90275                                             
  UNPAID BALANCE:    277,777.690            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,872.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.30986            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044589               MORTGAGORS:        ROBLES, MANOLO                                                     

                                                   ROBLES, EMELITA                                                    
                                            ADDRESS     :    19824 TURTLE SPRINGS WAY                                 
  MORTGAGE AMT:       340,000.00            CITY               NORTHRIDGE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91326                                             
  UNPAID BALANCE:    339,734.770            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,319.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044621               MORTGAGORS:        FAGAN, JOHN                                                        

                                                   FAGAN, JULIE                                                       
                                            ADDRESS     :    230 NORTH 2350 EAST                                      
  MORTGAGE AMT:       257,600.00            CITY               LAYTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               UT   84040                                             
  UNPAID BALANCE:    257,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,713.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044647               MORTGAGORS:        CHANG, CHAN                                                        
                                            ADDRESS     :    28418 GOLDEN MEADOW DRIVE                                
  MORTGAGE AMT:       283,500.00            CITY               RANCHO PALO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   90274                                             
  UNPAID BALANCE:    283,077.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,982.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044712               MORTGAGORS:        SKIFFINGTON, THOMAS                                                
                                                   Skiffington, Gina                                                  

                                                   SKIFFINGTON, GINA                                                  
                                            ADDRESS     :    24 ENDSLOW LN                                            
  MORTGAGE AMT:       352,000.00            CITY               PERKASIE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               PA   18944                                             
  UNPAID BALANCE:    352,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,401.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044753               MORTGAGORS:        SCOTT, JEFFREY                                                     

                                                   SCOTT, KRISTY                                                      
                                            ADDRESS     :    5375 PINTAIL STREET                                      
  MORTGAGE AMT:       396,050.00            CITY               LA VERNE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91750                                             
  UNPAID BALANCE:    395,717.270            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,601.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00202            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044787               MORTGAGORS:        BORENSTEIN, ABRAHAM                                                

                                                   BORENSTEIN, SILVIA                                                 
                                            ADDRESS     :    493 HERBERT STREET                                       
  MORTGAGE AMT:       260,000.00            CITY               WEST HEMPST                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NY   11552                                             
  UNPAID BALANCE:    259,792.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044811               MORTGAGORS:        DHAR, SANSAY                                                       

                                                   DHAR, MONA                                                         
                                            ADDRESS     :    5764 OWL LIGHT TERRACE                                   
  MORTGAGE AMT:       400,000.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95409                                             
  UNPAID BALANCE:    399,680.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,694.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.83691            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044894               MORTGAGORS:        BRYSON, PAMELA                                                     

                                                   OLSEN, KATHRYN                                                     
                                            ADDRESS     :    3808 RUDNICK ROAD                                        
  MORTGAGE AMT:       320,000.00            CITY               Jamul                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91935                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,102.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080044977               MORTGAGORS:        LA MOUREA, ALPHONSE                                                
                                                   LA MOUREA, CORDULA                                                 
                                                   LA MOUREA, JAMES                                                   
                                                   LA MOUREA, LALAINE                                                 
                                            ADDRESS     :    5373 PASEO CAMEO                                         
  MORTGAGE AMT:       270,000.00            CITY               SANTA BARBA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               CA   93111                                             
  UNPAID BALANCE:    269,814.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,957.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.98104            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080045024               MORTGAGORS:        LY, TUNG                                                           

                                                   LY, KIM                                                            
                                            ADDRESS     :    8661 LUSS DRIVE                                          
  MORTGAGE AMT:       292,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92646                                             
  UNPAID BALANCE:    291,772.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,991.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080045263               MORTGAGORS:        BEATIE, RICHARD                                                    

                                                   BEATIE, SHIRLEY                                                    
                                            ADDRESS     :    29 CONSTELLATION WAY                                     
  MORTGAGE AMT:       310,000.00            CITY               COTO DE CAZ                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92686                                             
  UNPAID BALANCE:    309,271.320            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,114.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.54790            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080045271               MORTGAGORS:        LYALL, LUCIAN                                                      

                                                   LYALL, BETH                                                        
                                            ADDRESS     :    26 LAKE VIEW DRIVE                                       
  MORTGAGE AMT:       497,500.00            CITY               COTO DE CAZ                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92679                                             
  UNPAID BALANCE:    496,269.460            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,309.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.38245            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080045719               MORTGAGORS:        PRZYBYSZ, JANE                                                     

                                                   WARTHER, MARK                                                      
                                            ADDRESS     :    472 S 9TH STREET                                         
  MORTGAGE AMT:       199,200.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95112                                             
  UNPAID BALANCE:    199,036.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,325.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080045792               MORTGAGORS:        TILTON, GEORGE                                                     
                                            ADDRESS     :    20 RIVER STONE DRIVE                                     
  MORTGAGE AMT:       355,000.00            CITY               MORELAND HI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               OH   44022                                             
  UNPAID BALANCE:    355,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,361.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.87342            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080046147               MORTGAGORS:        LENNON, RONALD                                                     
                                            ADDRESS     :    6403 ROYAL GROVE DRIVE                                   
  MORTGAGE AMT:       449,600.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92648                                             
  UNPAID BALANCE:    447,210.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,991.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.38961            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080046303               MORTGAGORS:        TREMAYNE, CARTER                                                   

                                                   TREMAYNE, JEANETTE                                                 
                                            ADDRESS     :    4 MAPLE SPRINGS ROAD                                     
  MORTGAGE AMT:       280,000.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               NJ   08867                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,769.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.21229            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080046592               MORTGAGORS:        SPIAK, DEMETRI                                                     
                                            ADDRESS     :    9235 WOLLASTON WAY                                       
  MORTGAGE AMT:       131,100.00            CITY               ELK GROVE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95624                                             
  UNPAID BALANCE:    130,995.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            883.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080046873               MORTGAGORS:        CORDELLI, KATHY                                                    
                                            ADDRESS     :    3230 WINMOOR DRIVE                                       
  MORTGAGE AMT:       254,000.00            CITY               IJAMSVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21754                                             
  UNPAID BALANCE:    253,791.800            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,689.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.88199            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080047202               MORTGAGORS:        RHODES, DANIEL                                                     

                                                   THEODORE, JULIE                                                    
                                            ADDRESS     :    5921 ARLENE WAY                                          
  MORTGAGE AMT:       300,000.00            CITY               LIVERMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   94550                                             
  UNPAID BALANCE:    299,741.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,945.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.89163            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080047566               MORTGAGORS:        DIENGOTT, BERNITA                                                  
                                            ADDRESS     :    6525 CRYSTALAIRE DRIVE                                   
  MORTGAGE AMT:       372,350.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   92120                                             
  UNPAID BALANCE:    372,087.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,667.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.64667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080047590               MORTGAGORS:        CARROL, TERESA                                                     

                                                   KOULETSIS, JOHN                                                    
                                            ADDRESS     :    3856 3858 23RD STREET                                    
  MORTGAGE AMT:       450,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94114                                             
  UNPAID BALANCE:    449,648.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,069.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080047632               MORTGAGORS:        GALLAS, SUSAN                                                      
                                            ADDRESS     :    1215 NORTHEAST 61ST STREE                                
  MORTGAGE AMT:       297,500.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98115                                             
  UNPAID BALANCE:    297,256.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,979.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080048218               MORTGAGORS:        ROBERTS, JOANN                                                     
                                            ADDRESS     :    195 NORTH HARBOR DRIVE                                   
  MORTGAGE AMT:       282,000.00            CITY               CHICAGO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60601                                             
  UNPAID BALANCE:    281,768.840            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,876.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.60317            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080048333               MORTGAGORS:        KEMP GUYLAY, KATHRYN                                               

                                                   GUYLAY, JEFFREY                                                    
                                            ADDRESS     :    1423 EDGEWOOD LANE                                       
  MORTGAGE AMT:       426,000.00            CITY               WINNETKA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60093                                             
  UNPAID BALANCE:    426,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,834.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.72177            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080048473               MORTGAGORS:        WALLACE, JAMES                                                     

                                                   WALLACE, DIANE                                                     
                                            ADDRESS     :    5 ROCKRIMMON ROAD                                        
  MORTGAGE AMT:       262,000.00            CITY               NORTH HAMPT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NH   03862                                             
  UNPAID BALANCE:    261,800.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,809.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.01241            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080048507               MORTGAGORS:        HAPNER, HOWARD                                                     
                                            ADDRESS     :    1808 PEMBERTON PLACE                                     
  MORTGAGE AMT:       324,000.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30062                                             
  UNPAID BALANCE:    323,740.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080048911               MORTGAGORS:        CHICKERING, NICHOLAS                                               
                                            ADDRESS     :    432 SOUTH PINE STREET                                    
  MORTGAGE AMT:       300,000.00            CITY               NEVADA CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95959                                             
  UNPAID BALANCE:    299,771.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,072.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080048986               MORTGAGORS:        DUNN, IVAN                                                         
                                                   DUNN, KATE                                                         

                                                   DUNN, KATE                                                         
                                            ADDRESS     :    416 C AVENUE                                             
  MORTGAGE AMT:       480,000.00            CITY               Coronado                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92118                                             
  UNPAID BALANCE:    477,910.240            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,113.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.80000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           12/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080049182               MORTGAGORS:        SPIZZIRRI, KEITH                                                   

                                                   SPIZZIRRI, MIRIAM                                                  
                                            ADDRESS     :    10195 EAST PARADISE DRIVE                                
  MORTGAGE AMT:       649,950.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85260                                             
  UNPAID BALANCE:    648,457.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,489.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080049372               MORTGAGORS:        POLLAK, RACHEL                                                     
                                            ADDRESS     :    9233 east pine valley roa                                
  MORTGAGE AMT:       143,250.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85260                                             
  UNPAID BALANCE:    143,031.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            989.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080049612               MORTGAGORS:        PRICE, JAMES                                                       

                                                   PRICE, JOAN                                                        
                                            ADDRESS     :    43 meadow blossom court                                  
  MORTGAGE AMT:       420,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94506                                             
  UNPAID BALANCE:    418,300.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,829.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           12/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080049653               MORTGAGORS:        GALLACHER, RICHARD                                                 

                                                   GALLACHER, JONI                                                    
                                            ADDRESS     :    9183 south falcon way                                    
  MORTGAGE AMT:       300,000.00            CITY               SANDY                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               UT   84093                                             
  UNPAID BALANCE:    299,310.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,072.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080050339               MORTGAGORS:        GREENSTEIN, SHARON                                                 

                                                   SELLERS, ROBERT                                                    
                                            ADDRESS     :    16 OLDE FIELD ROAD                                       
  MORTGAGE AMT:       320,000.00            CITY               NEWTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02459                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080050388               MORTGAGORS:        CULLEN, THEODORE                                                   
                                            ADDRESS     :    969 HILLGARD AVENUE                                      
  MORTGAGE AMT:       266,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90024                                             
  UNPAID BALANCE:    266,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,814.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.40299            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051444               MORTGAGORS:        PEPPER, BETH                                                       

                                                   NEUSTADT, MARK                                                     
                                            ADDRESS     :    1566 BLUE MOUNT ROAD                                     
  MORTGAGE AMT:       201,400.00            CITY               MONKTON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21111                                             
  UNPAID BALANCE:    201,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,339.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051469               MORTGAGORS:        GLOVER, THOMAS                                                     

                                                   GLOVER, MONICA                                                     
                                            ADDRESS     :    2358 FOREST MEADOW COURT                                 
  MORTGAGE AMT:       256,050.00            CITY               CHULA VISTA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91915                                             
  UNPAID BALANCE:    255,840.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,703.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98249            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051477               MORTGAGORS:        TRUE, DAVID                                                        
                                            ADDRESS     :    1286 BRANCHWATER LANE                                    
  MORTGAGE AMT:       255,000.00            CITY               BIRMINGHAM                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               AL   35216                                             
  UNPAID BALANCE:    254,801.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,739.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.68750            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051634               MORTGAGORS:        KANAGLEKAR, NIRANJAN                                               

                                                   KANAGLEKAR, SWATI                                                  
                                            ADDRESS     :    2780 BAYWATER PLACE                                      
  MORTGAGE AMT:       283,500.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91360                                             
  UNPAID BALANCE:    283,278.840            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,933.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.60000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051709               MORTGAGORS:        HALL, GEORGE                                                       

                                                   HALL, CAROLYN                                                      
                                            ADDRESS     :    750 VALLE LINDO DRIVE                                    
  MORTGAGE AMT:       248,000.00            CITY               CAMARILLO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   93010                                             
  UNPAID BALANCE:    247,806.530            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,691.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051725               MORTGAGORS:        YILMAZ, JOSEPH                                                     
                                            ADDRESS     :    8 HOLBROOK STREET                                        
  MORTGAGE AMT:       171,500.00            CITY               FREEPORT                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               ME   04032                                             
  UNPAID BALANCE:    170,986.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,199.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051907               MORTGAGORS:        GILL, UPDEEP                                                       
                                            ADDRESS     :    1794 PAISLEY CT                                          
  MORTGAGE AMT:       299,600.00            CITY               VIENNA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               VA   22182                                             
  UNPAID BALANCE:    299,383.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,120.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.43284            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080051956               MORTGAGORS:        CHAUDHARY, VINITA                                                  

                                                   CHAUDHARY, ASHWANI                                                 
                                            ADDRESS     :    4711 TUSCANI DRIVE                                       
  MORTGAGE AMT:       365,200.00            CITY               CYPRESS                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90630                                             
  UNPAID BALANCE:    364,915.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,491.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.70213            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080052293               MORTGAGORS:        DE GROOD, THOMAS                                                   

                                                   MEINHARDT, CYNTHIA                                                 
                                            ADDRESS     :    4948 SOUTHCREST AVENUE                                   
  MORTGAGE AMT:       320,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92110                                             
  UNPAID BALANCE:    319,744.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080052905               MORTGAGORS:        SULLIVAN, DENNIS                                                   

                                                   SULLIVAN, JOYCE                                                    
                                            ADDRESS     :    7 PIA COURT                                              
  MORTGAGE AMT:       250,000.00            CITY               HOLTSVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NY   11742                                             
  UNPAID BALANCE:    249,814.460            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,748.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98848            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080052913               MORTGAGORS:        MAPES, KAREN                                                       

                                                   JONES, VIRGINIA                                                    
                                            ADDRESS     :    40 CAMELLIA PLACE                                        
  MORTGAGE AMT:       412,000.00            CITY               OAKLAND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94602                                             
  UNPAID BALANCE:    411,694.240            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,880.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080052939               MORTGAGORS:        BRUCE, ROBERT                                                      
                                            ADDRESS     :    1665 SCENIC LANE                                         
  MORTGAGE AMT:       310,000.00            CITY               HEALDSBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95448                                             
  UNPAID BALANCE:    309,758.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,114.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.89691            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053044               MORTGAGORS:        KIM, MARGARET                                                      
                                            ADDRESS     :    12150 SHADOW RIDGE WAY                                   
  MORTGAGE AMT:       288,000.00            CITY               NORTHRIDGE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91326                                             
  UNPAID BALANCE:    287,775.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053077               MORTGAGORS:        FRIZZELL, RANDALL                                                  

                                                   FRIZZELL, SANDRA                                                   
                                            ADDRESS     :    13270 IRISH ACRES CIRCLE                                 
  MORTGAGE AMT:       292,000.00            CITY               GRASS VALLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94945                                             
  UNPAID BALANCE:    291,772.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,991.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053127               MORTGAGORS:        RAY, BRIAN                                                         

                                                   RAY, CRYSTAL                                                       
                                            ADDRESS     :    260 SOUTH SHAFFER STREET                                 
  MORTGAGE AMT:       280,000.00            CITY               ORANGE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92866                                             
  UNPAID BALANCE:    279,792.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,957.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053176               MORTGAGORS:        HELM, JOHN                                                         

                                                   HELM, SALLY                                                        
                                            ADDRESS     :    106 LISA DRIVE                                           
  MORTGAGE AMT:       254,200.00            CITY               PAOLI                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               PA   19031                                             
  UNPAID BALANCE:    253,996.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,712.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.98230            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053184               MORTGAGORS:        ALLEN, DICK                                                        

                                                   ALLEN, MARY                                                        
                                            ADDRESS     :    1 THUNDERBIRD DRIVE                                      
  MORTGAGE AMT:       800,000.00            CITY               NEWPORT BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92660                                             
  UNPAID BALANCE:    799,327.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,255.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.82938            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053333               MORTGAGORS:        SAVARD, GLENN                                                      
                                            ADDRESS     :    1603 LOMA VISTA STREET                                   
  MORTGAGE AMT:       264,400.00            CITY               PASADENA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91104                                             
  UNPAID BALANCE:    264,183.270            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,759.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.50667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053358               MORTGAGORS:        MCKINLEY, KEVIN                                                    

                                                   MCKINLEY, LORRAINE                                                 
                                            ADDRESS     :    6616 GRAYSTONE MEADOW CIR                                
  MORTGAGE AMT:       575,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95120                                             
  UNPAID BALANCE:    574,528.680            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,825.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.71429            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053416               MORTGAGORS:        MARKARIAN, LAURA                                                   
                                            ADDRESS     :    59 MARSEILLE                                             
  MORTGAGE AMT:       408,000.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92677                                             
  UNPAID BALANCE:    407,673.730            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,748.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053598               MORTGAGORS:        STYSIS, IGOR                                                       

                                                   STYSIS, IRINA                                                      
                                            ADDRESS     :    12622 SENDA PANACEA                                      
  MORTGAGE AMT:       289,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92129                                             
  UNPAID BALANCE:    288,757.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,898.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.17808            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053606               MORTGAGORS:        BERNSTEIN, MITCHELL                                                

                                                   HALPRIN, JESSICA                                                   
                                            ADDRESS     :    142 TRAILS END                                           
  MORTGAGE AMT:       398,000.00            CITY               IRVINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NY   10533                                             
  UNPAID BALANCE:    397,377.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,715.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 82.06186            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053622               MORTGAGORS:        PAGE, DAVID                                                        

                                                   SHINN, BARBARA                                                     
                                            ADDRESS     :    19965 SOUNDVIEW AVENUE                                   
  MORTGAGE AMT:       280,000.00            CITY               SOUTHOLD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   11971                                             
  UNPAID BALANCE:    279,572.560            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,933.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.72727            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053721               MORTGAGORS:        CAMPOS, SAMUEL                                                     

                                                   CAMPOS, VITA                                                       
                                            ADDRESS     :    2822 NORTH DANBURY STREET                                
  MORTGAGE AMT:       270,000.00            CITY               ORANGE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92867                                             
  UNPAID BALANCE:    269,794.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,864.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.79070            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053739               MORTGAGORS:        CHEN, HENG                                                         

                                                   WU, DI                                                             
                                            ADDRESS     :    20 WOODVIEW DRIVE                                        
  MORTGAGE AMT:       259,232.00            CITY               CONCORD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               PA   19061                                             
  UNPAID BALANCE:    259,034.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,790.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053754               MORTGAGORS:        GALBATE, TODD                                                      

                                                   GALBATE, CHRISTINE\                                                
ADDRESS     :    118 SPYGLASS DRIVE                                                                                   
  MORTGAGE AMT:       300,000.00            CITY               WHITPAIN TO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               PA   19422                                             
  UNPAID BALANCE:    299,760.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080053788               MORTGAGORS:        HAMM, WILLIAM                                                      

                                                   BARBALACCI, NINA                                                   
                                            ADDRESS     :    13 CRESTWOOD DRIVE                                       
  MORTGAGE AMT:       300,000.00            CITY               SAN RAFAEL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94901                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054018               MORTGAGORS:        SMITH, CLARK                                                       

                                                   SMITH, JULIE                                                       
                                            ADDRESS     :    23965 DORY DRIVE                                         
  MORTGAGE AMT:       282,000.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92677                                             
  UNPAID BALANCE:    281,780.010            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,923.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054133               MORTGAGORS:        KOBALLA, PATRICK                                                   

                                                   KOBALLA, CHERYL                                                    
                                            ADDRESS     :    7167 CAROLINA BEACH ROAD                                 
  MORTGAGE AMT:       700,000.00            CITY               WILMINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   28409                                             
  UNPAID BALANCE:    699,426.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,657.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.26278            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054158               MORTGAGORS:        IN, VUTHIN                                                         
                                            ADDRESS     :    3925 HONOLULU COURT                                      
  MORTGAGE AMT:       274,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95111                                             
  UNPAID BALANCE:    274,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,892.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054273               MORTGAGORS:        MUELLER, CHARLES                                                   

                                                   CAMPBELL, CAROL                                                    
                                            ADDRESS     :    2519 EAST FLOYD AVENUE                                   
  MORTGAGE AMT:       374,500.00            CITY               ENGLEWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CO   80110                                             
  UNPAID BALANCE:    374,215.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,586.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.09091            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054281               MORTGAGORS:        KEEGAN, JOHN                                                       
                                            ADDRESS     :    5374 BAUERS DRIVE                                        
  MORTGAGE AMT:       247,450.00            CITY               WEST BEND                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WI   53095                                             
  UNPAID BALANCE:    247,256.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,688.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99040            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054299               MORTGAGORS:        SANTARELLI, RALPH                                                  

                                                   SANTARELLI, MARINA                                                 
                                            ADDRESS     :    370 ALLENDALE ROAD                                       
  MORTGAGE AMT:       299,000.00            CITY               PASADENA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91106                                             
  UNPAID BALANCE:    298,748.800            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.71429            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054398               MORTGAGORS:        KIRKPATRICK, LARRY                                                 

                                                   KIRKPATRICK, LINDA                                                 
                                            ADDRESS     :    37823 BISHOP COURT                                       
  MORTGAGE AMT:       257,000.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94536                                             
  UNPAID BALANCE:    256,809.270            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,796.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.42857            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054422               MORTGAGORS:        ZICKELL, THOMAS                                                    
                                            ADDRESS     :    6 OLD BAY ROAD                                           
  MORTGAGE AMT:       331,200.00            CITY               NEW CASTLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NH   03854                                             
  UNPAID BALANCE:    331,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,259.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054547               MORTGAGORS:        POLSON, JENNIFER                                                   

                                                   JOHNSON, WILLIAM                                                   
                                            ADDRESS     :    13 LOCKSLEY ROAD                                         
  MORTGAGE AMT:       265,750.00            CITY               GLEN MILLS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               PA   19342                                             
  UNPAID BALANCE:    265,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,768.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99699            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080054752               MORTGAGORS:        ULIN, JEFFREY                                                      

                                                   ULIN, DEBRA                                                        
                                            ADDRESS     :    39 MOUNTAINVIEW TERRACE                                  
  MORTGAGE AMT:       333,000.00            CITY               HILLSDALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07642                                             
  UNPAID BALANCE:    333,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,243.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.24299            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080055064               MORTGAGORS:        ROETHEL, MARY                                                      
                                            ADDRESS     :    6 NICKANOOSE WAY                                         
  MORTGAGE AMT:       296,000.00            CITY               NANTUCKET                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   02554                                             
  UNPAID BALANCE:    296,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,069.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.14439            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080055171               MORTGAGORS:        BUTTACAVOLI, JOSEPH                                                

                                                   BUTTACAVOLI, KAREN                                                 
                                            ADDRESS     :    A48 SURFSIDE                                             
  MORTGAGE AMT:     1,000,000.00            CITY               SURFSIDE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90743                                             
  UNPAID BALANCE:    999,239.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          6,906.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080055197               MORTGAGORS:        LOUW, MICHAEL                                                      

                                                   LOUW, DENISE                                                       
                                            ADDRESS     :    4613 146TH PLACE SE                                      
  MORTGAGE AMT:       279,000.00            CITY               BELLEVUE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98006                                             
  UNPAID BALANCE:    278,771.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,856.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080055478               MORTGAGORS:        PASCUA, ROGER                                                      
                                                   ALVAREZ, REVELITA                                                  
                                                   ALVAREZ, RENATO                                                    
                                                   PASCUA, JANET                                                      
                                            ADDRESS     :    293 SORGEPARK PLACE                                      
  MORTGAGE AMT:       291,400.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95127                                             
  UNPAID BALANCE:    291,178.270            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,012.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.46884            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080055833               MORTGAGORS:        TITUS, ROBERT                                                      

                                                   TITUS, KAREN                                                       
                                            ADDRESS     :    12095 CELOME LANE                                        
  MORTGAGE AMT:       251,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92129                                             
  UNPAID BALANCE:    250,813.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,755.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.36458            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080055890               MORTGAGORS:        CRAWFORD, LESTER                                                   

                                                   HUNT, DONALD                                                       
                                            ADDRESS     :    1311 & 1135 SO RIMPAU BLV                                
  MORTGAGE AMT:       260,100.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90019                                             
  UNPAID BALANCE:    260,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,796.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056302               MORTGAGORS:        BUSCH, MICHAEL                                                     

                                                   BUSCH, TONYA                                                       
                                            ADDRESS     :    8655 E WINDSONG DRIVE                                    
  MORTGAGE AMT:       300,000.00            CITY               ANAHEIM HIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92808                                             
  UNPAID BALANCE:    299,541.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,072.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 93.17060            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056500               MORTGAGORS:        STADLER, MICHAEL                                                   

                                                   STADLER, KAREN                                                     
                                            ADDRESS     :    1592 HORSESHOE DRIVE                                     
  MORTGAGE AMT:       388,000.00            CITY               WALL                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08736                                             
  UNPAID BALANCE:    388,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,614.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.20755            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056534               MORTGAGORS:        SANISLO, BARBARA                                                   
                                            ADDRESS     :    4722 VIA DEL RANCHO                                      
  MORTGAGE AMT:       207,750.00            CITY               NEWBURY PAR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91320                                             
  UNPAID BALANCE:    207,575.460            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,364.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.07128            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056674               MORTGAGORS:        LEONI, CHARLES                                                     

                                                   LEONI, NANCY                                                       
                                            ADDRESS     :    319 JESTER COURT                                         
  MORTGAGE AMT:       440,000.00            CITY               PETALUMA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94954                                             
  UNPAID BALANCE:    440,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,076.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056781               MORTGAGORS:        WESTFIELD, JOHN                                                    
                                            ADDRESS     :    3906 HOLLAND AVENUE                                      
  MORTGAGE AMT:       365,250.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               TX   75219                                             
  UNPAID BALANCE:    364,972.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,522.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.40217            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056815               MORTGAGORS:        FORREST, JASON                                                     

                                                   NOELANI FORR, MARY                                                 
                                            ADDRESS     :    8191 RINCONADA COURT                                     
  MORTGAGE AMT:       317,550.00            CITY               NEWARK                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94560                                             
  UNPAID BALANCE:    317,283.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,086.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99325            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056872               MORTGAGORS:        MCGUIRE, JEFFREY                                                   

                                                   MCGUIRE, JODI                                                      
                                            ADDRESS     :    22181 EAST QUARTO PLACE                                  
  MORTGAGE AMT:       280,000.00            CITY               AURORA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CO   80010                                             
  UNPAID BALANCE:    279,758.920            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,816.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.55427            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080056989               MORTGAGORS:        JENKINS, STEWART                                                   

                                                   JENKINS, TRACY                                                     
                                            ADDRESS     :    7469 SOUTH GENOA CIRCLE                                  
  MORTGAGE AMT:       389,000.00            CITY               AURORA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80016                                             
  UNPAID BALANCE:    388,681.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,588.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.45864            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080057011               MORTGAGORS:        DUPLESSIE, MARK                                                    

                                                   DUPLESSIE, COLLEEN                                                 
                                            ADDRESS     :    11346 N 118TH WAY                                        
  MORTGAGE AMT:       300,000.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AZ   85259                                             
  UNPAID BALANCE:    299,760.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.33962            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080057045               MORTGAGORS:        GILBERT, DARREL                                                    

                                                   KATZ, WENDY                                                        
                                            ADDRESS     :    265 NORTHLAND RIDGE TRAIL                                
  MORTGAGE AMT:       570,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30342                                             
  UNPAID BALANCE:    570,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,744.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080057078               MORTGAGORS:        KRACHMER, JAMES                                                    

                                                   KRACHMER, CYNTHIA                                                  
                                            ADDRESS     :    2820 MAGELLAN CIRCLE                                     
  MORTGAGE AMT:       251,000.00            CITY               CORONA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91720                                             
  UNPAID BALANCE:    250,804.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,712.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 93.83178            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080058134               MORTGAGORS:        BORRASI, ROLAND                                                    

                                                   BORRASI, E                                                         
                                            ADDRESS     :    15 W. 720 89TH STREET                                    
  MORTGAGE AMT:       650,000.00            CITY               BURR RIDGE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               IL   60521                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,489.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.86364            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080058167               MORTGAGORS:        WAUGH, EDWARD                                                      

                                                   DEBRAUWERE, ALIDA                                                  
                                            ADDRESS     :    1102 BUENA VISTA                                         
  MORTGAGE AMT:       272,000.00            CITY               SAN CLEMENT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92672                                             
  UNPAID BALANCE:    271,771.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,786.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080058324               MORTGAGORS:        MCQUILLIAN, SUSAN                                                  
                                            ADDRESS     :    1416 BUSH STREET                                         
  MORTGAGE AMT:       252,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92103                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,634.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.04348            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080058571               MORTGAGORS:        MARTINEZ, RUBEN                                                    
                                            ADDRESS     :    2375 FOREST MEADOW COURT                                 
  MORTGAGE AMT:       245,650.00            CITY               CHULA VISTA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91915                                             
  UNPAID BALANCE:    245,448.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,634.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99704            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080058704               MORTGAGORS:        WONG, GARETH                                                       

                                                   WONG, LOLLIE                                                       
                                            ADDRESS     :    846 ROMANI COURT                                         
  MORTGAGE AMT:       340,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95125                                             
  UNPAID BALANCE:    339,721.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,262.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.78000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080058845               MORTGAGORS:        RIGGIERI, FRANCIS                                                  

                                                   HAMLEN, DIANE                                                      
                                            ADDRESS     :    274 VAUGHN HILL ROAD                                     
  MORTGAGE AMT:       369,900.00            CITY               BOLTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   01740                                             
  UNPAID BALANCE:    369,604.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,568.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.54839            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           10/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059009               MORTGAGORS:        MC CARTHY, BRIAN                                                   

                                                   MC CARTHY, STEPHANIE                                               
                                            ADDRESS     :    8660 E WINDSONG DRIVE                                    
  MORTGAGE AMT:       272,950.00            CITY               ANAHEIM HIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92808                                             
  UNPAID BALANCE:    271,185.020            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,770.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98957            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059082               MORTGAGORS:        MOORE, WILLIAM                                                     

                                                   MOORE, JOAN                                                        
                                            ADDRESS     :    37 GLEN ROAD                                             
  MORTGAGE AMT:       286,620.00            CITY               HOPKINTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   01772                                             
  UNPAID BALANCE:    286,396.400            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,955.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.57710            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059157               MORTGAGORS:        CHAMBERLIN, GREGG                                                  
                                            ADDRESS     :    46700 FISH ROCK RD                                       
  MORTGAGE AMT:       118,350.00            CITY               GUALALA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   95445                                             
  UNPAID BALANCE:    118,266.470            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            847.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.62857            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059322               MORTGAGORS:        WRONSKI, ZENON                                                     

                                                   WRONSKI, ELIZABETH                                                 
                                            ADDRESS     :    4 DEY HILL TRAIL                                         
  MORTGAGE AMT:       320,000.00            CITY               TOTOWA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07512                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059603               MORTGAGORS:        BOHLEN, TERRY                                                      
                                                   BOHLEN, JULIE                                                      

                                                   BOHLEN, JULIE                                                      
                                            ADDRESS     :    1724 HUEY LANE                                           
  MORTGAGE AMT:       304,000.00            CITY               ALPINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91901                                             
  UNPAID BALANCE:    303,738.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,971.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059611               MORTGAGORS:        NGUYEN, KIM                                                        

                                                   TRAM, MELISSA                                                      
                                            ADDRESS     :    41 CARRIAGE DRIVE                                        
  MORTGAGE AMT:       298,900.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92602                                             
  UNPAID BALANCE:    298,654.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,988.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.97321            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080059629               MORTGAGORS:        HECKEL, JAMES                                                      
                                                   HECKEL, JANIS                                                      

                                                   HECKEL, JANIS                                                      
                                            ADDRESS     :    5055 ROCKHAMPTON COURT                                   
  MORTGAGE AMT:       420,000.00            CITY               YORBA LINDA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92887                                             
  UNPAID BALANCE:    419,647.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,759.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080060114               MORTGAGORS:        WOO, CHARLES                                                       

                                                   WOO, ARLENE                                                        
                                            ADDRESS     :    2717 BROOKSIDE DRIVE                                     
  MORTGAGE AMT:       240,000.00            CITY               CHINO HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               CA   91709                                             
  UNPAID BALANCE:    239,783.040            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,516.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 45.28302            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080060528               MORTGAGORS:        ESTRADA, SANDIE                                                    
                                            ADDRESS     :    10148 LEONA AVENUE WEST                                  
  MORTGAGE AMT:       300,000.00            CITY               LEONA VALLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   93551                                             
  UNPAID BALANCE:    299,788.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,149.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080060924               MORTGAGORS:        FRENCH, KAREN                                                      

                                                   WARNKE, TODD                                                       
                                            ADDRESS     :    390 MESA VIEW WAY                                        
  MORTGAGE AMT:       328,750.00            CITY               GOLDEN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CO   80403                                             
  UNPAID BALANCE:    328,473.800            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,159.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99562            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080060940               MORTGAGORS:        MAIO, STEPHEN                                                      

                                                   MAIO, CAROL                                                        
                                            ADDRESS     :    11415 BROAD GREEN DRIVE                                  
  MORTGAGE AMT:       471,000.00            CITY               POTOMAC                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   20854                                             
  UNPAID BALANCE:    470,623.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,173.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99592            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080060965               MORTGAGORS:        ANDERSON, DARIUS                                                   
                                                   STACEY KUNDE, KEITH                                                
                                                   KUNDE, STACY                                                       
                                                   KUNDE, KEITH                                                       
                                            ADDRESS     :    601 FOURTH STREET                                        
  MORTGAGE AMT:       372,400.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94107                                             
  UNPAID BALANCE:    372,116.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,572.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080061047               MORTGAGORS:        SNYDER, DONALD                                                     

                                                   SNYDER, LINDA                                                      
                                            ADDRESS     :    3 PLEASANT VIEW MANOR RD                                 
  MORTGAGE AMT:       308,000.00            CITY               PITTSTOWN                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08867                                             
  UNPAID BALANCE:    308,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,075.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080061393               MORTGAGORS:        COURTNEY, KEVIN                                                    

                                                   COURTNEY, SHELLY                                                   
                                            ADDRESS     :    189 BARE HILL ROAD                                       
  MORTGAGE AMT:       258,000.00            CITY               BOLTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01740                                             
  UNPAID BALANCE:    257,586.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,738.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.87912            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080063571               MORTGAGORS:        RYAN, JAMES                                                        

                                                   RYAN, EVELYN                                                       
                                            ADDRESS     :    27628 DOBBEL AVE                                         
  MORTGAGE AMT:       292,500.00            CITY               HAYWARD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94542                                             
  UNPAID BALANCE:    292,266.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,970.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080064637               MORTGAGORS:        SIMMONS, DAVID                                                     

                                                   SIMMONS, TONI                                                      
                                            ADDRESS     :    1405 SAND PIPER DRIVE                                    
  MORTGAGE AMT:       428,000.00            CITY               SEAL BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90740                                             
  UNPAID BALANCE:    427,649.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,847.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080064660               MORTGAGORS:        COWDREY, STEPHEN                                                   

                                                   COWDREY, MARY                                                      
                                            ADDRESS     :    2810 OUTLOOK DR                                          
  MORTGAGE AMT:       324,000.00            CITY               COLORADO SP                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80921                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080064793               MORTGAGORS:        IBARA, ERIC                                                        

                                                   IBARA, JENNIFER                                                    
                                            ADDRESS     :    3 BLUESAIL COVE                                          
  MORTGAGE AMT:       367,800.00            CITY               BUENA PARK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   90621                                             
  UNPAID BALANCE:    367,483.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,385.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99478            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080064843               MORTGAGORS:        SCHOENEMAN, MICHAL                                                 
                                            ADDRESS     :    36406 CRYSTAL SPRINGS CT                                 
  MORTGAGE AMT:       455,100.00            CITY               NEWARK                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94560                                             
  UNPAID BALANCE:    454,717.650            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,989.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99648            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080064876               MORTGAGORS:        SKOTLESKI, MARIA                                                   

                                                   IRWIN, JOSEPH                                                      
                                            ADDRESS     :    1 EAGLETON FARMS ROAD                                    
  MORTGAGE AMT:       281,750.00            CITY               NEWTOWN                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               PA   18940                                             
  UNPAID BALANCE:    281,501.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,804.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99375            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065030               MORTGAGORS:        GITES, VLADISLAV                                                   

                                                   GITES, SVETLANA                                                    
                                            ADDRESS     :    2401 47TH AVENUE                                         
  MORTGAGE AMT:       280,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94116                                             
  UNPAID BALANCE:    279,528.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,839.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.71233            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065139               MORTGAGORS:        DALE, ELMON                                                        

                                                   DALE, PAMELA                                                       
                                            ADDRESS     :    4130 MOUNTAIN COVE DRIVE                                 
  MORTGAGE AMT:       296,000.00            CITY               CHARLOTTE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   28216                                             
  UNPAID BALANCE:    295,757.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,969.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.89744            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065220               MORTGAGORS:        JONES, MICHAEL                                                     
                                            ADDRESS     :    105 CARBONERA COURT                                      
  MORTGAGE AMT:       285,000.00            CITY               SANTA CRUZ                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95060                                             
  UNPAID BALANCE:    284,766.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,896.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.02597            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065311               MORTGAGORS:        APITO, PETER                                                       
                                            ADDRESS     :    10230 NW 60 PLACE                                        
  MORTGAGE AMT:       274,550.00            CITY               PARKLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               FL   33067                                             
  UNPAID BALANCE:    274,319.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,803.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98613            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065444               MORTGAGORS:        HAYES, PAUL                                                        
                                                   Hayes, Roxanne                                                     

                                                   HAYES, ROXANNE                                                     
                                            ADDRESS     :    21 FRANKLIN ROAD                                         
  MORTGAGE AMT:       340,000.00            CITY               MENDHAM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.87500                               NJ   07945                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,705.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065543               MORTGAGORS:        TURNER, STEVEN                                                     

                                                   TURNER, JOYCE                                                      
                                            ADDRESS     :    6565 BELLHURST LANE                                      
  MORTGAGE AMT:       297,000.00            CITY               CASTRO VALL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   94552                                             
  UNPAID BALANCE:    296,790.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,127.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.15385            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065584               MORTGAGORS:        BAIRD, JOHN                                                        
                                                   baird, beverly                                                     

                                                   BAIRD, BEVERLY                                                     
                                            ADDRESS     :    3692 HOG MOUNTAIN ROAD                                   
  MORTGAGE AMT:       300,000.00            CITY               DACULA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30019                                             
  UNPAID BALANCE:    299,765.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080065881               MORTGAGORS:        GIANNNTONIO, LISA                                                  

                                                   GIANNANTONIO, PAUL                                                 
                                            ADDRESS     :    149 MOMER DRIVE                                          
  MORTGAGE AMT:       288,000.00            CITY               RAMSEY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.87500                               NJ   07446                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,291.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.90411            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067077               MORTGAGORS:        KENT, DAVID                                                        
                                                   STONE, PATRICIA                                                    
                                                   STONE, RAYMOND                                                     
                                                   KENT, JEANNE                                                       
                                            ADDRESS     :    8789 STARR ROAD                                          
  MORTGAGE AMT:       337,000.00            CITY               WINDSOR                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95492                                             
  UNPAID BALANCE:    336,723.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,242.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.48454            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067168               MORTGAGORS:        ALVARADO, NATHAN                                                   

                                                   ALVARADO, LINDA                                                    
                                            ADDRESS     :    761 ARABIAN WAY                                          
  MORTGAGE AMT:       350,000.00            CITY               ARROYO GRAN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93420                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,328.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.91667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067283               MORTGAGORS:        THOMPSON, DANNY                                                    

                                                   THOMPSON, SUSAN                                                    
                                            ADDRESS     :    44217 SOUTH EAST MT. SI R                                
  MORTGAGE AMT:       286,400.00            CITY               NORTH BEND                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98045                                             
  UNPAID BALANCE:    286,159.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,881.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067697               MORTGAGORS:        RODRIGUEZ, RICHARD                                                 

                                                   RODRIGUEZ, LORISE                                                  
                                            ADDRESS     :    1215 NORTH ALLEN AVENUE                                  
  MORTGAGE AMT:       268,000.00            CITY               PASADENA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91104                                             
  UNPAID BALANCE:    267,780.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,783.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067754               MORTGAGORS:        SULLIVAN, DANIEL                                                   

                                                   SULLIVAN, LORIE                                                    
                                            ADDRESS     :    1630 WEST 7TH STREET                                     
  MORTGAGE AMT:       295,000.00            CITY               SAN PEDRO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90732                                             
  UNPAID BALANCE:    294,764.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,987.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.08434            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067861               MORTGAGORS:        WHITE, SUE                                                         
                                            ADDRESS     :    1 BAYBERRY ROAD                                          
  MORTGAGE AMT:        64,300.00            CITY               NEWBURYPORT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   01950                                             
  UNPAID BALANCE:     64,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            517.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 32.47475            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067952               MORTGAGORS:        PACHECO, NINA                                                      

                                                   PACHECO, MELCHOR                                                   
                                            ADDRESS     :    633 635 LISBON STREET                                    
  MORTGAGE AMT:       291,000.00            CITY               DALY CITY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94014                                             
  UNPAID BALANCE:    290,772.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,985.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.72603            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080067986               MORTGAGORS:        AHDIYYIH, AZITA                                                    

                                                   AHDIYYIH, MOHEBATULL                                               
                                            ADDRESS     :    2467 SYCAMORE LAKES COVE                                 
  MORTGAGE AMT:       277,100.00            CITY               HERNDON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               VA   20171                                             
  UNPAID BALANCE:    276,855.510            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,774.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99423            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068075               MORTGAGORS:        LIANG, GONG JIAO                                                   

                                                   CHEN, BO                                                           
                                            ADDRESS     :    6457 CAMELIA DRIVE                                       
  MORTGAGE AMT:       364,800.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95120                                             
  UNPAID BALANCE:    364,508.670            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,457.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068216               MORTGAGORS:        YU, CINDY                                                          
                                            ADDRESS     :    20227 EVENING BREEZE DRIV                                
  MORTGAGE AMT:       252,000.00            CITY               WALNUT                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91789                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,676.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068406               MORTGAGORS:        FIELLO, NICHOLAS                                                   

                                                   FIELLO, CYNTHIA                                                    
                                            ADDRESS     :    13634 OAK MESA DRIVE                                     
  MORTGAGE AMT:       296,900.00            CITY               YUCAIPA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92399                                             
  UNPAID BALANCE:    296,662.560            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,000.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99697            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068414               MORTGAGORS:        ARAMBULA, ANDREW                                                   

                                                   ARAMBULA, ANDREA                                                   
                                            ADDRESS     :    46 RADIANCE LANE                                         
  MORTGAGE AMT:       256,450.00            CITY               LAS FLORES                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92688                                             
  UNPAID BALANCE:    256,048.660            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,749.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98394            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068430               MORTGAGORS:        FLEISCHMAN, KEITH                                                  

                                                   FLEISCHMAN, LUCELENA                                               
                                            ADDRESS     :    34 LITTLE WOLF ROAD                                      
  MORTGAGE AMT:       800,000.00            CITY               SUMMIT                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07901                                             
  UNPAID BALANCE:    800,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          5,389.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.07407            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068513               MORTGAGORS:        WOLFE, WILLIAM                                                     

                                                   WOLFE, CARI                                                        
                                            ADDRESS     :    1042 BUCKTAIL WAY                                        
  MORTGAGE AMT:       410,000.00            CITY               WEST CHESTE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               PA   19382                                             
  UNPAID BALANCE:    409,638.270            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,625.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068901               MORTGAGORS:        COLLINS, BRIAN                                                     

                                                   COLLINS, CHRISTI                                                   
                                            ADDRESS     :    16142 SCHRYER LANE                                       
  MORTGAGE AMT:       236,500.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92649                                             
  UNPAID BALANCE:    236,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,673.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.97992            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080068927               MORTGAGORS:        DLUGY, GARY                                                        

                                                   DLUGY, CARYL                                                       
                                            ADDRESS     :    16 BIRD HILL ROAD                                        
  MORTGAGE AMT:       327,000.00            CITY               LEXINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02173                                             
  UNPAID BALANCE:    326,744.910            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,230.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.75610            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069099               MORTGAGORS:        ABAY, JARED                                                        

                                                   PRINCE ABAY, JOYCE                                                 
                                            ADDRESS     :    6401 GALWAY DRIVE                                        
  MORTGAGE AMT:       292,000.00            CITY               CLARKSVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21029                                             
  UNPAID BALANCE:    291,760.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,942.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069206               MORTGAGORS:        MILLER, BARRY                                                      

                                                   MILLER, TRACY                                                      
                                            ADDRESS     :    1507 LAURIE DRIVE                                        
  MORTGAGE AMT:       300,000.00            CITY               BEL AIR                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21014                                             
  UNPAID BALANCE:    299,754.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.50704            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069321               MORTGAGORS:        PARSONS, ERNEST                                                    

                                                   PARSONS, KRISTINE M                                                
                                            ADDRESS     :    17 JOHN MATTHEW ROAD                                     
  MORTGAGE AMT:       500,000.00            CITY               HOPKINTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   01748                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,951.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.12500            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069354               MORTGAGORS:        CORBALIS, LEO                                                      

                                                   CORBALIS, BARBARA                                                  
                                            ADDRESS     :    4952 NEW WORLD DRIVE                                     
  MORTGAGE AMT:       291,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   95136                                             
  UNPAID BALANCE:    290,749.450            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,887.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.85185            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069446               MORTGAGORS:        VATAVE, SUNIL                                                      

                                                   VATAVE, JENNIFER                                                   
                                            ADDRESS     :    2324 ROCK POINT PLACE                                    
  MORTGAGE AMT:       536,300.00            CITY               LIVERMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94550                                             
  UNPAID BALANCE:    535,860.400            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,568.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99630            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069560               MORTGAGORS:        HOLDREN, GARY                                                      

                                                   HOLDREN, CONNIE                                                    
                                            ADDRESS     :    3459 FAIRWAY COMMONS DRIV                                
  MORTGAGE AMT:       251,450.00            CITY               HILLIARD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               OH   43026                                             
  UNPAID BALANCE:    251,268.010            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,779.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99756            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069586               MORTGAGORS:        WELCH, ROBERT                                                      

                                                   WELCH, MARIANN                                                     
                                            ADDRESS     :    18366 AVENIDA BONITA NORT                                
  MORTGAGE AMT:       218,500.00            CITY               SONORA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95370                                             
  UNPAID BALANCE:    218,329.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,490.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.18103            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069594               MORTGAGORS:        BARGMAN, DALE                                                      

                                                   L BARGMAN, DIXIE                                                   
                                            ADDRESS     :    6645 E REDMONT DRIVE                                     
  MORTGAGE AMT:       311,000.00            CITY               MESA                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               AZ   85208                                             
  UNPAID BALANCE:    311,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,228.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.85366            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069776               MORTGAGORS:        PACE, PAUL                                                         

                                                   LONG PACE, KATHLEEN                                                
                                            ADDRESS     :    1730 FANWOOD COURT                                       
  MORTGAGE AMT:       368,000.00            CITY               OCEANSIDE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               CA   92054                                             
  UNPAID BALANCE:    367,746.740            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,668.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080069826               MORTGAGORS:        BUNTING, STEPHEN                                                   

                                                   BUNTING, ADRIENNE                                                  
                                            ADDRESS     :    5222 LONGRIDGE AVENUE                                    
  MORTGAGE AMT:       290,400.00            CITY               SHERMAN OAK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91401                                             
  UNPAID BALANCE:    290,179.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,005.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080070170               MORTGAGORS:        STALLARD, HARRY                                                    

                                                   STALLARD, PHYLLIS                                                  
                                            ADDRESS     :    2 THE STRAND                                             
  MORTGAGE AMT:       308,000.00            CITY               NEW CASTLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               DE   19720                                             
  UNPAID BALANCE:    307,728.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,972.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080070634               MORTGAGORS:        SWENSON, SCOTT                                                     

                                                   SWENSON, CLAIRE                                                    
                                            ADDRESS     :    6880 HISTORIC LEGACY COUR                                
  MORTGAGE AMT:       259,650.00            CITY               LAS VEGAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NV   89110                                             
  UNPAID BALANCE:    259,452.430            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,793.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 91.74912            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080070857               MORTGAGORS:        FRENSDORFF, GERARD                                                 

                                                   FRENSDORFF, MICHELE                                                
                                            ADDRESS     :    12058 PRADERA ROAD                                       
  MORTGAGE AMT:       364,000.00            CITY               CAMARILLO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   93012                                             
  UNPAID BALANCE:    363,694.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,391.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080070873               MORTGAGORS:        SHAIN, DAVID                                                       

                                                   OSTERBRINK, PAULA                                                  
                                            ADDRESS     :    998 BRIGHT STAR STREET                                   
  MORTGAGE AMT:       367,500.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91360                                             
  UNPAID BALANCE:    367,191.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,414.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.05556            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080070931               MORTGAGORS:        CUNNINGHAM, JAMES                                                  

                                                   GAIN, COLLETTE                                                     
                                            ADDRESS     :    5459 DIANE WAY                                           
  MORTGAGE AMT:       269,350.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95409                                             
  UNPAID BALANCE:    269,129.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,791.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99228            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080070964               MORTGAGORS:        HERNANDEZ, RIGOBERTO                                               

                                                   HERNANDEZ, PATRICIA                                                
                                            ADDRESS     :    4250 SOUTH CENTINELA AVEN                                
  MORTGAGE AMT:       188,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90066                                             
  UNPAID BALANCE:    187,845.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,250.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.73469            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080071095               MORTGAGORS:        PIETZYK, REX                                                       
                                            ADDRESS     :    1127 WEST WRIGHTWOOD                                     
  MORTGAGE AMT:       340,000.00            CITY               CHICAGO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60614                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,290.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080071707               MORTGAGORS:        PARKER, MARK                                                       

                                                   PARKER, SHARON                                                     
                                            ADDRESS     :    3657 LORIMER LANE                                        
  MORTGAGE AMT:       308,600.00            CITY               ENCINITAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92024                                             
  UNPAID BALANCE:    308,365.180            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,131.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.54795            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080071723               MORTGAGORS:        MADDOX, PAUL                                                       

                                                   MADDOX, PAULETTE                                                   
                                            ADDRESS     :    33681 WINDJAMMER DRIVE                                   
  MORTGAGE AMT:       324,000.00            CITY               DANA POINT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92629                                             
  UNPAID BALANCE:    323,721.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,101.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.84211            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080071731               MORTGAGORS:        FALLINI, JOHN                                                      

                                                   FALLINI, MARY                                                      
                                            ADDRESS     :    740 MINER ROAD                                           
  MORTGAGE AMT:       310,000.00            CITY               ORINDA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94563                                             
  UNPAID BALANCE:    309,764.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,141.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 35.22727            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080071756               MORTGAGORS:        TEEL, HENRY                                                        
                                            ADDRESS     :    1860 SETTINDOWN DRIVE                                    
  MORTGAGE AMT:       312,000.00            CITY               ROSWELL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30075                                             
  UNPAID BALANCE:    312,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080072010               MORTGAGORS:        DENNIS, CHRISTOPHE                                                 

                                                   DENNIS, YVONNE                                                     
                                            ADDRESS     :    121 LOIS LANE                                            
  MORTGAGE AMT:       595,000.00            CITY               PALO ALTO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94303                                             
  UNPAID BALANCE:    595,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,008.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.12234            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080072051               MORTGAGORS:        SHAFER, DAVID                                                      

                                                   SHAFER, MONICA                                                     
                                            ADDRESS     :    5 GRANDBRIAR                                             
  MORTGAGE AMT:       344,000.00            CITY               ALISO VIEJO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92656                                             
  UNPAID BALANCE:    343,738.240            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,375.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080072184               MORTGAGORS:        WATERSTREET, JEFF                                                  

                                                   REILLY, HEATHER                                                    
                                            ADDRESS     :    4928 ALAMEDA DRIVE                                       
  MORTGAGE AMT:       280,000.00            CITY               OCEANSIDE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92056                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,957.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080072309               MORTGAGORS:        DERRYBERRY, RAYMOND                                                

                                                   DERRYBERRY, CHERI                                                  
                                            ADDRESS     :    1014 CIMA DRIVE                                          
  MORTGAGE AMT:       288,300.00            CITY               SAN MARCOS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92069                                             
  UNPAID BALANCE:    287,586.890            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,918.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00009            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080072507               MORTGAGORS:        BOYLE, KENNETH                                                     
                                                   Boyle, Pilar                                                       

                                                   BOYLE, PILAR                                                       
                                            ADDRESS     :    145 COLCHESTER ROAD                                      
  MORTGAGE AMT:       375,000.00            CITY               NEW PROVIDE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07974                                             
  UNPAID BALANCE:    375,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,558.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.68712            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073067               MORTGAGORS:        GOLDBERG, BRIAN                                                    
                                            ADDRESS     :    47 SPRUCE HOLLOW ROAD                                    
  MORTGAGE AMT:       450,250.00            CITY               GREEN BROOK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08812                                             
  UNPAID BALANCE:    449,889.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,033.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98899            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073166               MORTGAGORS:        JENSEN, ROBERT                                                     

                                                   JENSEN, DONNA                                                      
                                            ADDRESS     :    6918 EAST MCDONALD DRIVE                                 
  MORTGAGE AMT:       444,000.00            CITY               PARADISE VA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85253                                             
  UNPAID BALANCE:    443,662.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,066.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.58407            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073174               MORTGAGORS:        SPACK, GARY                                                        

                                                   SPACK, MICHELE                                                     
                                            ADDRESS     :    11 EAGLETON FARMS ROAD                                   
  MORTGAGE AMT:       291,500.00            CITY               NEWTOWN                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               PA   18940                                             
  UNPAID BALANCE:    291,266.890            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,963.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.57143            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073208               MORTGAGORS:        SILVASI PATC, DON                                                  

                                                   SILVASI PATC, JUDITH                                               
                                            ADDRESS     :    3701 RIVIERA DRIVE                                       
  MORTGAGE AMT:       332,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92109                                             
  UNPAID BALANCE:    331,504.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,264.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073323               MORTGAGORS:        WINTTER, ERNST                                                     
                                            ADDRESS     :    800 TYLER ST                                             
  MORTGAGE AMT:       316,000.00            CITY               HOLLYWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               FL   33019                                             
  UNPAID BALANCE:    315,740.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,102.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073372               MORTGAGORS:        AUSTIN, ALEC                                                       

                                                   AUSTIN, KIMBERLY                                                   
                                            ADDRESS     :    9553 EAST ANN WAY                                        
  MORTGAGE AMT:       320,000.00            CITY               Scottsdale                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AZ   85260                                             
  UNPAID BALANCE:    319,744.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073588               MORTGAGORS:        MARKUS, STEVEN                                                     
                                            ADDRESS     :    23168 SMITH ROAD                                         
  MORTGAGE AMT:       179,350.00            CITY               CHATSWORTH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   91311                                             
  UNPAID BALANCE:    179,350.000            OPTION TO CONVERT :      No\  MONTHLY P&I:                                
1,254.05            ANNUAL RATE ADJUST:      0.000                                                                    
  LTV :                 89.89975            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073612               MORTGAGORS:        VAJDI, MEHRON                                                      

                                                   VAJDI, LADAN                                                       
                                            ADDRESS     :    24986 NORMAN'S WAY                                       
  MORTGAGE AMT:       496,600.00            CITY               CALABASAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91302                                             
  UNPAID BALANCE:    496,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,429.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.90350            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073851               MORTGAGORS:        ADESON, ERIC                                                       

                                                   ADESON, GAIL                                                       
                                            ADDRESS     :    5 BROMLEY COURT                                          
  MORTGAGE AMT:       324,000.00            CITY               MONTVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        9.00000                               NJ   07045                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,606.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           9.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080073992               MORTGAGORS:        GRAVES, PAUL                                                       

                                                   GRAVES, AUGUSTA                                                    
                                            ADDRESS     :    2023 CABRILLO COURT                                      
  MORTGAGE AMT:       288,000.00            CITY               SANTA CLARA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95051                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080074057               MORTGAGORS:        YEN, LEE                                                           
                                            ADDRESS     :    UNIT 87 PARK GATE                                        
  MORTGAGE AMT:       166,000.00            CITY               EDISON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   08820                                             
  UNPAID BALANCE:    166,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,104.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.24731            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080074313               MORTGAGORS:        THOMAS, GARY                                                       

                                                   THOMAS, JACQUELINE                                                 
                                            ADDRESS     :    86 RYEGATE PLACE                                         
  MORTGAGE AMT:       303,600.00            CITY               SAN RAMON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94583                                             
  UNPAID BALANCE:    303,351.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,019.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080074404               MORTGAGORS:        KIRK, KARL                                                         

                                                   POWELL KIRK, C                                                     
                                            ADDRESS     :    26 SUMMIT STREET                                         
  MORTGAGE AMT:       337,500.00            CITY               MAMMOTH LAK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   93546                                             
  UNPAID BALANCE:    337,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,388.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080074800               MORTGAGORS:        NIXON, DAVID                                                       

                                                   NIXON, JEANNE                                                      
                                            ADDRESS     :    28901 LOWER MOSS ROCK                                    
  MORTGAGE AMT:       255,000.00            CITY               GOLDEN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80401                                             
  UNPAID BALANCE:    254,790.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,696.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.80723            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075104               MORTGAGORS:        SHORTZ, BARRY                                                      

                                                   SHORTZ, KATHRYN                                                    
                                            ADDRESS     :    183 DEER TRAIL CIRCLE                                    
  MORTGAGE AMT:       336,000.00            CITY               ARROYO GRAN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   93420                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,292.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075377               MORTGAGORS:        VALLES, ALBERT                                                     

                                                   VALLES, TIFFANY                                                    
                                            ADDRESS     :    100 MARCUS COURT                                         
  MORTGAGE AMT:       300,000.00            CITY               HOLLISTER                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95023                                             
  UNPAID BALANCE:    299,754.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.76652            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075435               MORTGAGORS:        VENES, KEITH                                                       

                                                   VENES, MELODY                                                      
                                            ADDRESS     :    1701 CALYPSO DRIVE                                       
  MORTGAGE AMT:       407,200.00            CITY               APTOS                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95003                                             
  UNPAID BALANCE:    406,866.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,709.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075500               MORTGAGORS:        GROSS, ROBERT                                                      

                                                   GROSS, LYNDA                                                       
                                            ADDRESS     :    6247 BERRY LANE                                          
  MORTGAGE AMT:       260,000.00            CITY               EUREKA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95503                                             
  UNPAID BALANCE:    259,786.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,729.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075773               MORTGAGORS:        REGUERO, MELODIE                                                   
                                            ADDRESS     :    58 ASHCREST                                              
  MORTGAGE AMT:       411,500.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               CA   92620                                             
  UNPAID BALANCE:    411,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,983.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.91589            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075815               MORTGAGORS:        DEMEULLE, BRIAN                                                    

                                                   DEMEULLE, LISA                                                     
                                            ADDRESS     :    2278 SAN MIGUEL ROAD                                     
  MORTGAGE AMT:       266,800.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95403                                             
  UNPAID BALANCE:    266,591.870            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,820.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98042            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075898               MORTGAGORS:        ESKANDARIAN, EINOLLAH                                              

                                                   ESKANDARIAN, ABDOLVAHID                                            
                                            ADDRESS     :    6 GREEN HILLS COURT                                      
  MORTGAGE AMT:       400,000.00            CITY               MILLBRAE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94030                                             
  UNPAID BALANCE:    399,672.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,661.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.97101            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080075997               MORTGAGORS:        GAETANO, MICHAEL                                                   
                                            ADDRESS     :    6 PENDULUM PASS                                          
  MORTGAGE AMT:       464,250.00            CITY               HOPKINTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MA   01748                                             
  UNPAID BALANCE:    464,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,246.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076052               MORTGAGORS:        BRUNE, DAVID                                                       

                                                   BRUNE, SANDRA                                                      
                                            ADDRESS     :    835 TOPAZ DRIVE                                          
  MORTGAGE AMT:       275,000.00            CITY               WEST CHESTE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               PA   19382                                             
  UNPAID BALANCE:    274,757.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,760.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.63167            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076151               MORTGAGORS:        GARRETT, JEFFREY                                                   

                                                   GARRETT, DEBRA                                                     
                                            ADDRESS     :    10205 MALVINAS COVE                                      
  MORTGAGE AMT:       248,277.00            CITY               AUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               TX   78739                                             
  UNPAID BALANCE:    248,088.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,714.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99971            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076185               MORTGAGORS:        PORTNOY, ESTEE                                                     

                                                   PORTNOY, ELLIOTT                                                   
                                            ADDRESS     :    11417 BROAD GREEN DRIVE                                  
  MORTGAGE AMT:       457,670.00            CITY               POTOMAC                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MD   20854                                             
  UNPAID BALANCE:    457,321.740            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,161.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.87399            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076193               MORTGAGORS:        GILBERT, V                                                         

                                                   GILBERT, GEOFFREY                                                  
                                            ADDRESS     :    2407 SAINT GEORGE WAY                                    
  MORTGAGE AMT:       308,400.00            CITY               BROOKEVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   20833                                             
  UNPAID BALANCE:    308,159.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,103.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.53989            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076359               MORTGAGORS:        LOURENCO, SEVERIN                                                  

                                                   LOURENCO, CHRISTANE                                                
                                            ADDRESS     :    6912 SOUTHRIDGE DRIVE                                    
  MORTGAGE AMT:       166,400.00            CITY               MCLEAN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               VA   22101                                             
  UNPAID BALANCE:    166,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,121.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076367               MORTGAGORS:        FLORES, BENJAMIN                                                   
                                                   FLORES, JOSE                                                       
                                                   FLORES, VERONICA                                                   
                                            ADDRESS     :    6301 BLACKBERRY COURT                                    
  MORTGAGE AMT:       253,050.00            CITY               GILROY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95020                                             
  UNPAID BALANCE:    251,607.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,704.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98925            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           11/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076375               MORTGAGORS:        RIOS, ANGEL                                                        

                                                   RIOS, SONYA                                                        
                                            ADDRESS     :    9112 EL VERANO WAY                                       
  MORTGAGE AMT:       290,150.00            CITY               GILROY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95020                                             
  UNPAID BALANCE:    288,771.220            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,979.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99100            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           12/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076409               MORTGAGORS:        BOWER, BRUCE                                                       

                                                   LITTLE, SUSAN                                                      
                                            ADDRESS     :    15129 RANCHO REAL                                        
  MORTGAGE AMT:       650,000.00            CITY               DEL MAR                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92014                                             
  UNPAID BALANCE:    649,492.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,434.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.42105            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076482               MORTGAGORS:        FLORES, BRAD                                                       

                                                   FLORES, CHERI                                                      
                                            ADDRESS     :    2012 NORTH KINGSTON ROAD                                 
  MORTGAGE AMT:       226,050.00            CITY               FARMINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               UT   84025                                             
  UNPAID BALANCE:    225,864.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,503.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.31579            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076706               MORTGAGORS:        LIND, EVA                                                          
                                            ADDRESS     :    1958 SPYGLASS CIRCLE                                     
  MORTGAGE AMT:        74,000.00            CITY               VISTA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92083                                             
  UNPAID BALANCE:     73,857.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            573.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 31.48936            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:104                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076839               MORTGAGORS:        SARMIENTO, ARMANDO                                                 

                                                   SARMIENTO, SOSIMA                                                  
                                            ADDRESS     :    3014 MILLBROOK DRIVE                                     
  MORTGAGE AMT:       272,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95148                                             
  UNPAID BALANCE:    271,782.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,832.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.84058            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076847               MORTGAGORS:        BRESKIN, STEPHEN                                                   

                                                   BRESKIN, MANIJEH                                                   
                                            ADDRESS     :    5977 AGEE STREET                                         
  MORTGAGE AMT:       235,500.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92122                                             
  UNPAID BALANCE:    235,311.670            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,586.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080076904               MORTGAGORS:        QUEEN, JOSEPH                                                      
                                            ADDRESS     :    2870 39TH STREET                                         
  MORTGAGE AMT:        40,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   92105                                             
  UNPAID BALANCE:     39,914.740            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            286.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 42.10526            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080077282               MORTGAGORS:        WEFERS, MICHAEL                                                    

                                                   WEFERS, ANNETTE                                                    
                                            ADDRESS     :    7509 BAY LAUREL COURT                                    
  MORTGAGE AMT:       400,000.00            CITY               DUBLIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94568                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,661.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.85974            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080077498               MORTGAGORS:        BOTTELLI, ROBERT                                                   

                                                   QUINLAN, JO EL                                                     
                                            ADDRESS     :    11 TIMKAK LANE                                           
  MORTGAGE AMT:       330,000.00            CITY               PENNINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   08534                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,279.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080077571               MORTGAGORS:        GEARS, DAVID                                                       

                                                   GEARS, ALISON                                                      
                                            ADDRESS     :    41 SANTA MARIA DRIVE                                     
  MORTGAGE AMT:       271,200.00            CITY               NOVATO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94947                                             
  UNPAID BALANCE:    270,972.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,781.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080077589               MORTGAGORS:        RODRIGUEZ, CESARIO                                                 

                                                   LOPEZ QUINTA, MAYDA                                                
                                            ADDRESS     :    938 W OLIVE AVENUE                                       
  MORTGAGE AMT:       300,000.00            CITY               SUNNYVALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94086                                             
  UNPAID BALANCE:    299,754.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080078108               MORTGAGORS:        GRANT, MICHAEL                                                     

                                                   GRANT, KATHY                                                       
                                            ADDRESS     :    25560 WILDE AVENUE                                       
  MORTGAGE AMT:       308,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91381                                             
  UNPAID BALANCE:    307,741.230            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,023.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080078165               MORTGAGORS:        LYON, JEFFREY                                                      

                                                   LYON, GLADYS                                                       
                                            ADDRESS     :    1513 SUNRISE CIRCLE                                      
  MORTGAGE AMT:       270,000.00            CITY               BOULDER CIT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NV   89005                                             
  UNPAID BALANCE:    269,577.470            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,841.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.38606            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080078298               MORTGAGORS:        BALABAN, GREGORY                                                   
                                            ADDRESS     :    607 CRESTMOORE PLACE                                     
  MORTGAGE AMT:       190,000.00            CITY               VENICE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90291                                             
  UNPAID BALANCE:    189,855.420            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,312.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 54.28571            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080078520               MORTGAGORS:        HO, RICK                                                           

                                                   SENCION, MELISSA                                                   
                                            ADDRESS     :    38585 TWAIN TERRACE                                      
  MORTGAGE AMT:       252,700.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94536                                             
  UNPAID BALANCE:    252,502.870            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,723.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98481            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080078579               MORTGAGORS:        CHENG, KEVIN                                                       

                                                   KIM, STEPHEN                                                       
                                            ADDRESS     :    1017 GUERRERO STREET                                     
  MORTGAGE AMT:       372,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94110                                             
  UNPAID BALANCE:    371,723.920            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,601.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080078645               MORTGAGORS:        DOwNING, KEVIN                                                     

                                                   DOWNING, VERONICA                                                  
                                            ADDRESS     :    1200 TUNDRIDGE TRAIL                                     
  MORTGAGE AMT:       251,800.00            CITY               ALGONQUIN                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60102                                             
  UNPAID BALANCE:    251,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,675.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96977            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079072               MORTGAGORS:        RIALS, JOHN                                                        

                                                   RIALS, TONI                                                        
                                            ADDRESS     :    9405 E QUARRY TRAIL                                      
  MORTGAGE AMT:       256,500.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AZ   85262                                             
  UNPAID BALANCE:    256,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,728.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079221               MORTGAGORS:        CHANG, BRADLEE                                                     

                                                   CHANG, ARLENE                                                      
                                            ADDRESS     :    8594 HOPSEED LANE                                        
  MORTGAGE AMT:       264,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92129                                             
  UNPAID BALANCE:    263,804.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,845.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079262               MORTGAGORS:        CHAKRAVARTHY, ANIL                                                 

                                                   SATYAN, KOMANDUR                                                   
                                            ADDRESS     :    1522 FLAMINGO WAY                                        
  MORTGAGE AMT:       414,400.00            CITY               SUNNYVALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94087                                             
  UNPAID BALANCE:    414,076.730            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,826.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079304               MORTGAGORS:        GRISSOM, CHARLES                                                   

                                                   GRISSOM, CRISTINA                                                  
                                            ADDRESS     :    2499 MERLOT LANE                                         
  MORTGAGE AMT:       343,000.00            CITY               LIVERMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94550                                             
  UNPAID BALANCE:    342,732.430            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,339.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.64706            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079387               MORTGAGORS:        JUMA, KARIM                                                        

                                                   JAFFER, LEILA                                                      
                                            ADDRESS     :    2332 27TH STREET                                         
  MORTGAGE AMT:       348,500.00            CITY               SANTA MONIC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90405                                             
  UNPAID BALANCE:    348,207.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,289.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.27799            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079411               MORTGAGORS:        SAMPSON, KEVIN                                                     
                                            ADDRESS     :    1976 PALMETTO TERRACE                                    
  MORTGAGE AMT:       285,600.00            CITY               FULLERTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92831                                             
  UNPAID BALANCE:    285,360.060            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,876.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079478               MORTGAGORS:        ABELOW, HAROLD                                                     

                                                   ABELOW, PAMELA                                                     
                                            ADDRESS     :    37556 CHAUNTRY COMMON                                    
  MORTGAGE AMT:       244,000.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94536                                             
  UNPAID BALANCE:    243,799.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,623.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079486               MORTGAGORS:        HOUSTON, L L                                                       

                                                   HOUSTON, TERI                                                      
                                            ADDRESS     :    327 PINE NEEDLES DRIVE                                   
  MORTGAGE AMT:       319,100.00            CITY               DEL MAR                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92014                                             
  UNPAID BALANCE:    318,844.820            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,149.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 30.39048            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080079528               MORTGAGORS:        PARIKH, SUSHRUT                                                    

                                                   PARIKH, SIMA                                                       
                                            ADDRESS     :    29342 CROWN RIDGE                                        
  MORTGAGE AMT:       276,000.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92677                                             
  UNPAID BALANCE:    275,784.690            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,882.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080898               MORTGAGORS:        WANBERG, ERIK                                                      

                                                   WANBERG, VICTORIA                                                  
                                            ADDRESS     :    29 BAYVIEW TERRACE                                       
  MORTGAGE AMT:       365,000.00            CITY               MILL VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94941                                             
  UNPAID BALANCE:    364,729.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,552.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.49462            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080914               MORTGAGORS:        STODDARD, RICHARD                                                  

                                                   STODDARD, CYNTHIA                                                  
                                            ADDRESS     :    4960 MYRTLE DRIVE                                        
  MORTGAGE AMT:       380,000.00            CITY               CONCORD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94521                                             
  UNPAID BALANCE:    379,710.850            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,624.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080930               MORTGAGORS:        FLAIG, RICHARD                                                     

                                                   FLAIG, JANNINE                                                     
                                            ADDRESS     :    317 REGATTA WAY                                          
  MORTGAGE AMT:       337,500.00            CITY               SEAL BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90740                                             
  UNPAID BALANCE:    337,223.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,245.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080948               MORTGAGORS:        FLYNN, MICHAEL                                                     

                                                   FLYNN, ANN                                                         
                                            ADDRESS     :    6229 CAHALAN AVE                                         
  MORTGAGE AMT:       280,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   95123                                             
  UNPAID BALANCE:    279,802.370            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,005.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.71233            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080955               MORTGAGORS:        BURLEY, RAYMOND                                                    

                                                   BURLEY, JEANNA                                                     
                                            ADDRESS     :    5424 SOUTHWOOD WAY                                       
  MORTGAGE AMT:       297,600.00            CITY               ANTIOCH                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94509                                             
  UNPAID BALANCE:    297,362.010            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,004.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99247            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080963               MORTGAGORS:        WETZEL, KURT                                                       

                                                   WETZEL, SHARON                                                     
                                            ADDRESS     :    5408 PIUTE WAY                                           
  MORTGAGE AMT:       262,166.00            CITY               ANTIOCH                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94509                                             
  UNPAID BALANCE:    261,956.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,766.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00012            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080989               MORTGAGORS:        IKELMAN, ANN                                                       

                                                   VAN DONK, JOHN                                                     
                                            ADDRESS     :    5595 BLUFF STREET                                        
  MORTGAGE AMT:       266,000.00            CITY               NORCO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91760                                             
  UNPAID BALANCE:    265,776.530            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,747.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.77778            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080080997               MORTGAGORS:        DRAZEN, MARSHALL                                                   

                                                   DRAZEN, LORETTA                                                    
                                            ADDRESS     :    4715 EXCELENTE DRIVE                                     
  MORTGAGE AMT:       680,000.00            CITY               WOODLAND HI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91364                                             
  UNPAID BALANCE:    679,442.610            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,524.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.38462            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080081003               MORTGAGORS:        NGUYEN, HAM                                                        

                                                   PHAM, ANH                                                          
                                            ADDRESS     :    3007 CALLE DE LAS FLORES                                 
  MORTGAGE AMT:       294,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95148                                             
  UNPAID BALANCE:    293,759.010            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,955.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.84337            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080081300               MORTGAGORS:        SILBERMAN, MARK                                                    

                                                   SILBERMAN, DIANE                                                   
                                            ADDRESS     :    7 MANITOU WAY                                            
  MORTGAGE AMT:       290,000.00            CITY               SCOTCH PLAI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07076                                             
  UNPAID BALANCE:    289,762.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,929.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.87952            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080081862               MORTGAGORS:        JARRAR, DAWOOD                                                     

                                                   JARRAR, SANDRA                                                     
                                            ADDRESS     :    1113 PASEO SANDI                                         
  MORTGAGE AMT:       275,500.00            CITY               SAN DIMAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91773                                             
  UNPAID BALANCE:    275,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,809.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080082050               MORTGAGORS:        CLANDOS, ROBERT                                                    
                                            ADDRESS     :    24860 CALABASAS ROAD                                     
  MORTGAGE AMT:       390,000.00            CITY               CALABASAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.00000                               CA   91302                                             
  UNPAID BALANCE:    390,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,861.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.28571            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080082811               MORTGAGORS:        YANDA, KATHLEEN                                                    
                                            ADDRESS     :    541 MILL RIVER LANE                                      
  MORTGAGE AMT:       295,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95134                                             
  UNPAID BALANCE:    295,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,037.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.20099            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080082886               MORTGAGORS:        MOGHADDAM, PARVIZ                                                  

                                                   MOGHADDAM, LYDIA                                                   
                                            ADDRESS     :    2471 CORAVIEW LANE                                       
  MORTGAGE AMT:       300,000.00            CITY               ROWLAND HEI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   91748                                             
  UNPAID BALANCE:    299,777.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080082928               MORTGAGORS:        YOUNG, JUDY                                                        
                                            ADDRESS     :    4804 ORINDA AVENUE                                       
  MORTGAGE AMT:       360,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90043                                             
  UNPAID BALANCE:    359,726.060            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,486.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080082936               MORTGAGORS:        HESSEL, JOHN                                                       

                                                   HESSEL, TERI                                                       
                                            ADDRESS     :    681 BAYVIEW DRIVE                                        
  MORTGAGE AMT:       288,000.00            CITY               APTOS                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95003                                             
  UNPAID BALANCE:    287,763.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,916.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080082977               MORTGAGORS:        HARKER, BRAD                                                       

                                                   HARKER, DENISE                                                     
                                            ADDRESS     :    1159 PARK PACIFICA AVENUE                                
  MORTGAGE AMT:       300,000.00            CITY               PACIFICA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94044                                             
  UNPAID BALANCE:    299,754.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.31959            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083082               MORTGAGORS:        ORTON, RANDY                                                       

                                                   ORTON, KRISTI                                                      
                                            ADDRESS     :    45 SANTA ANA AVENUE                                      
  MORTGAGE AMT:       475,600.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90803                                             
  UNPAID BALANCE:    475,200.440            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,124.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083207               MORTGAGORS:        DIZECHI, MANUCHEHR                                                 
                                            ADDRESS     :    12667 INTERMEZZO WAY                                     
  MORTGAGE AMT:       360,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92130                                             
  UNPAID BALANCE:    359,712.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.47020            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083231               MORTGAGORS:        LEDERMANN, KENNETH                                                 
                                            ADDRESS     :    22762 ANSO                                               
  MORTGAGE AMT:       267,000.00            CITY               MISSION VIE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92691                                             
  UNPAID BALANCE:    266,775.690            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,754.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.06838            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083272               MORTGAGORS:        CRESPO, ANGEL                                                      

                                                   GINORIO, KAROL                                                     
                                            ADDRESS     :    10276 E MARY DRIVE                                       
  MORTGAGE AMT:        98,200.00            CITY               TUCSON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               AZ   85730                                             
  UNPAID BALANCE:     98,117.490            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            645.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96743            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083306               MORTGAGORS:        TOOLE, DAVID                                                       

                                                   TOOLE, KATHERINE                                                   
                                            ADDRESS     :    227 20TH STREET                                          
  MORTGAGE AMT:       319,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92648                                             
  UNPAID BALANCE:    318,751.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,176.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.80488            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083322               MORTGAGORS:        CUTILLAR GAR, MARICAR                                              

                                                   GARCIA, FIRMO                                                      
                                            ADDRESS     :    25711 NORTH HOOD WAY                                     
  MORTGAGE AMT:       327,650.00            CITY               STEVENSON R                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91381                                             
  UNPAID BALANCE:    327,381.420            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,179.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99365            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083348               MORTGAGORS:        CONCEPCION, CARLITO                                                

                                                   CONCEPCION, HUMBELINA                                              
                                            ADDRESS     :    126 MAVERICK DRIVE                                       
  MORTGAGE AMT:       280,000.00            CITY               SAN DIMAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91773                                             
  UNPAID BALANCE:    279,786.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,933.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.86631            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083363               MORTGAGORS:        RENK, RANDY                                                        

                                                   RENK, PAMELA                                                       
                                            ADDRESS     :    1725 AVENIDA CRESCENTA                                   
  MORTGAGE AMT:       325,000.00            CITY               SAN CLEMENT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92672                                             
  UNPAID BALANCE:    323,630.430            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,244.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.58140            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083421               MORTGAGORS:        BEDDOW, BRADLEY                                                    

                                                   BEDDOW, DOLORES                                                    
                                            ADDRESS     :    12588 KESTREL STREET                                     
  MORTGAGE AMT:       264,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92129                                             
  UNPAID BALANCE:    263,778.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,734.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083439               MORTGAGORS:        KLINGER, ERIC                                                      

                                                   KLINGER, BRENDA                                                    
                                            ADDRESS     :    7078 VIA RAMADA                                          
  MORTGAGE AMT:       264,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95119                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,778.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083512               MORTGAGORS:        LINDENMEIER, LARRY                                                 

                                                   LINDERMEIER, LOUISE                                                
                                            ADDRESS     :    455 VALLEY ROAD                                          
  MORTGAGE AMT:       452,000.00            CITY               WATCHUNG                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07060                                             
  UNPAID BALANCE:    451,647.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,083.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083538               MORTGAGORS:        MC GOWAN, ALASDAIR                                                 

                                                   MC GOWAN, KATHLEEN                                                 
                                            ADDRESS     :    25 ROLLINGWOOD DRIVE                                     
  MORTGAGE AMT:       367,250.00            CITY               ROLLING HIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90274                                             
  UNPAID BALANCE:    367,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,443.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.58036            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083561               MORTGAGORS:        ANDERSEN, JOHN                                                     

                                                   ANDERSEN, JANET                                                    
                                            ADDRESS     :    788 TUNBRIDGE ROAD                                       
  MORTGAGE AMT:       332,200.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94526                                             
  UNPAID BALANCE:    331,953.450            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,322.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.51852            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083652               MORTGAGORS:        BOTKA, CHRISTOPHE                                                  

                                                   BOTKA, KRISTIN                                                     
                                            ADDRESS     :    1824 LORNADELL LANE                                      
  MORTGAGE AMT:       308,600.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95405                                             
  UNPAID BALANCE:    308,353.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,079.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98756            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083660               MORTGAGORS:        NICOLA, CHARLES                                                    

                                                   NICOLA, GAIL                                                       
                                            ADDRESS     :    495 SELKIRK DRIVE                                        
  MORTGAGE AMT:       246,900.00            CITY               CORONA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91720                                             
  UNPAID BALANCE:    246,274.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,621.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99326            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083694               MORTGAGORS:        SUGIHARA, MARCUS                                                   

                                                   AGAR SUGIHAR, ELAINE                                               
                                            ADDRESS     :    1440 TILTON ROAD                                         
  MORTGAGE AMT:       299,000.00            CITY               SEBASTOPOL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95472                                             
  UNPAID BALANCE:    298,748.800            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.35294            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083702               MORTGAGORS:        PICKING, JAY                                                       

                                                   PICKING, GLORIA                                                    
                                            ADDRESS     :    780 SOUTH STILLWATER LANE                                
  MORTGAGE AMT:       265,200.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92807                                             
  UNPAID BALANCE:    264,987.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,786.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.36893            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083736               MORTGAGORS:        PATE, PATRICK                                                      
                                            ADDRESS     :    2809 CROSSWOOD CIRCLE                                    
  MORTGAGE AMT:       265,900.00            CITY               BIRMINGHAM                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AL   35216                                             
  UNPAID BALANCE:    265,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,836.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99821            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080083744               MORTGAGORS:        FISHER, CHARLES                                                    

                                                   FISHER, DENISE                                                     
                                            ADDRESS     :    2685 INDIANA HILLS WAY                                   
  MORTGAGE AMT:       361,000.00            CITY               ARROYO GRAN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93420                                             
  UNPAID BALANCE:    360,704.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,401.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.16667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080084262               MORTGAGORS:        NEPTUNE, PETER                                                     

                                                   SCHWALJE, NANCY                                                    
                                            ADDRESS     :    24 LANCEWOOD WAY                                         
  MORTGAGE AMT:       265,500.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92612                                             
  UNPAID BALANCE:    265,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,788.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99106            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080085483               MORTGAGORS:        MOORE, ROBERT                                                      
                                            ADDRESS     :    8204 EAST WOODWIND AVENUE                                
  MORTGAGE AMT:       272,000.00            CITY               ORANGE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92869                                             
  UNPAID BALANCE:    271,787.810            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,855.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080086507               MORTGAGORS:        FERRARO, JAMES                                                     

                                                   FERRARO, DEBRA                                                     
                                            ADDRESS     :    1411 RAVENSWOOD LANE                                     
  MORTGAGE AMT:       462,500.00            CITY               RIVERSIDE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CA   92506                                             
  UNPAID BALANCE:    462,091.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,961.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.15385            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080086549               MORTGAGORS:        VAN VEEN, RAYMOND                                                  

                                                   VAN VEEN, ROSA                                                     
                                            ADDRESS     :    5854 W 78TH PLACE                                        
  MORTGAGE AMT:       425,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90045                                             
  UNPAID BALANCE:    424,651.630            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,827.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.27273            OUTSIDE CONV DATE:\  CURRENT INT           7.00000                        
MATURITY DATE:           05/01/29                                                                                     
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087034               MORTGAGORS:        MEDITZ, RICHARD                                                    

                                                   MEDITZ, SUSAN                                                      
                                            ADDRESS     :    20616 ANNRITA AVENUE                                     
  MORTGAGE AMT:       287,200.00            CITY               TORRANCE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90503                                             
  UNPAID BALANCE:    286,716.050            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,886.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087083               MORTGAGORS:        HAYASHIDA, WADE                                                    

                                                   HAYASHIDA, NANCY                                                   
                                            ADDRESS     :    4396 BIRCHWOOD AVENUE                                    
  MORTGAGE AMT:       305,150.00            CITY               SEAL BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90740                                             
  UNPAID BALANCE:    305,150.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,030.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087190               MORTGAGORS:        DI MAIO, DANIEL                                                    

                                                   DI MAIO, ESTER                                                     
                                            ADDRESS     :    1712 SIERRA ALTA DRIVE                                   
  MORTGAGE AMT:       255,000.00            CITY               SANTA ANA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92705                                             
  UNPAID BALANCE:    255,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,696.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087406               MORTGAGORS:        MANSON, MICHAEL                                                    

                                                   MANSON, DEBORAH                                                    
                                            ADDRESS     :    17901 VILLA PARK ROAD                                    
  MORTGAGE AMT:       256,500.00            CITY               VILLA PARK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92861                                             
  UNPAID BALANCE:    256,314.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,815.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087489               MORTGAGORS:        PROFETA, AIMEE                                                     

                                                   PADRON, MARK                                                       
                                            ADDRESS     :    660 MONTE CARLO DRIVE                                    
  MORTGAGE AMT:       181,500.00            CITY               HOLLISTER                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   95023                                             
  UNPAID BALANCE:    181,343.730            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,177.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087554               MORTGAGORS:        GRANT, ROBERT                                                      

                                                   GRANT, MARIA                                                       
                                            ADDRESS     :    19580 INDIAN SUMMER LANE                                 
  MORTGAGE AMT:       255,800.00            CITY               MONUMENT                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80132                                             
  UNPAID BALANCE:    255,590.320            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,701.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 82.78317            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087570               MORTGAGORS:        POWERS, KATHLEEN                                                   
                                            ADDRESS     :    DAYS LANE                                                
  MORTGAGE AMT:       247,000.00            CITY               WELLS                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               ME   04090                                             
  UNPAID BALANCE:    246,825.670            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,769.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.24390            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080087588               MORTGAGORS:        CHAMNESS, DARRELL                                                  

                                                   CHAMNESS, NINA                                                     
                                            ADDRESS     :    2021 SOUTH SANDERS COURT                                 
  MORTGAGE AMT:       374,700.00            CITY               LAHABRA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90631                                             
  UNPAID BALANCE:    374,385.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,461.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.90736            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088198               MORTGAGORS:        REGAN, MICHAEL                                                     

                                                   REGAN, RENEE                                                       
                                            ADDRESS     :    120 WINDOVER DRIVE                                       
  MORTGAGE AMT:       496,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94506                                             
  UNPAID BALANCE:    495,583.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,258.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088297               MORTGAGORS:        SHABRAM, PAUL                                                      

                                                   SHABRAM, LYNDA                                                     
                                            ADDRESS     :    149 PEPPERTREE LANE                                      
  MORTGAGE AMT:       337,600.00            CITY               ENCINITAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92024                                             
  UNPAID BALANCE:    337,323.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,246.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088438               MORTGAGORS:        ZENG, AN                                                           

                                                   FU, ZIYIN                                                          
                                            ADDRESS     :    121 BEAUMERE WAY                                         
  MORTGAGE AMT:       356,000.00            CITY               MILPITAS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95035                                             
  UNPAID BALANCE:    355,700.910            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,338.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088511               MORTGAGORS:        LEVINE, DAVID                                                      

                                                   LEVINE, SUSAN                                                      
                                            ADDRESS     :    715 TABOR DRIVE                                          
  MORTGAGE AMT:       393,750.00            CITY               SCOTTS VALL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95066                                             
  UNPAID BALANCE:    393,427.250            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,619.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.59091            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088552               MORTGAGORS:        GUILIN, RHONDA                                                     
                                            ADDRESS     :    2816 EAST 3RD STREET                                     
  MORTGAGE AMT:       264,800.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90814                                             
  UNPAID BALANCE:    264,582.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,761.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.20000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088628               MORTGAGORS:        YAP, PENG                                                          

                                                   LIU, TINA                                                          
                                            ADDRESS     :    197 PORTOLA ROAD                                         
  MORTGAGE AMT:       500,000.00            CITY               PORTOLA VAL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94028                                             
  UNPAID BALANCE:    499,600.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,368.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.55556            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088644               MORTGAGORS:        PACKARD, DANA                                                      
                                            ADDRESS     :    141 PARKWAY SOUTH                                        
  MORTGAGE AMT:       271,200.00            CITY               SANTA CRUZ                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95062                                             
  UNPAID BALANCE:    270,977.700            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,804.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088651               MORTGAGORS:        TALBOT, RONALD                                                     

                                                   TALBOT, MARGARET                                                   
                                            ADDRESS     :    755 MONAGHAN CIRCLE                                      
  MORTGAGE AMT:       191,500.00            CITY               VACAVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   95688                                             
  UNPAID BALANCE:    191,335.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,242.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.95825            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088669               MORTGAGORS:        DAPRON, KENNETH                                                    

                                                   DAPRON, KIMBERLY                                                   
                                            ADDRESS     :    2259 SAN YSIDRO STREET                                   
  MORTGAGE AMT:       298,400.00            CITY               CAMARILLO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   93010                                             
  UNPAID BALANCE:    298,172.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,060.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080088685               MORTGAGORS:        FULLER, WALTER                                                     
                                            ADDRESS     :    735 OUTRIGGER CIRCLE                                     
  MORTGAGE AMT:       284,000.00            CITY               BRENTWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94513                                             
  UNPAID BALANCE:    283,783.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,961.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080089865               MORTGAGORS:        HARETAKIS, ALEX                                                    

                                                   HARETAKIS, SUZANNE                                                 
                                            ADDRESS     :    9839 DEBIOIS AVENUE                                      
  MORTGAGE AMT:       287,000.00            CITY               FOUNTAIN VA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92708                                             
  UNPAID BALANCE:    286,764.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,909.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.58974            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080090061               MORTGAGORS:        JONES, GORDON                                                      

                                                   JONES, SHIRLEY                                                     
                                            ADDRESS     :    1116 CALLE PEROS                                         
  MORTGAGE AMT:       200,000.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91360                                             
  UNPAID BALANCE:    199,827.800            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,297.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 50.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:101                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080090806               MORTGAGORS:        REYNOLDS, CLARENCE                                                 

                                                   REYNOLDS, SHERYL                                                   
                                            ADDRESS     :    3487 PICKENS LANE                                        
  MORTGAGE AMT:       274,300.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94588                                             
  UNPAID BALANCE:    274,069.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,801.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99837            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080090848               MORTGAGORS:        MAU, BRUCE                                                         

                                                   MAU, JOY                                                           
                                            ADDRESS     :    5600 SOUTHVIEW DRIVE                                     
  MORTGAGE AMT:       285,000.00            CITY               YORBA LINDA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92887                                             
  UNPAID BALANCE:    284,777.680            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,944.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091283               MORTGAGORS:        MCGRUDER, K                                                        

                                                   MCGRUDER, JUDY                                                     
                                            ADDRESS     :    1608 WHEATON TRACE                                       
  MORTGAGE AMT:       600,000.00            CITY               FORT SMITH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AR   72908                                             
  UNPAID BALANCE:    599,520.180            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,042.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.03713            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091309               MORTGAGORS:        NEWHOUSE, JOHN                                                     

                                                   NEWHOUSE, MARGRETTE                                                
                                            ADDRESS     :    5216 LARADA LANE                                         
  MORTGAGE AMT:       360,000.00            CITY               EDINA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MN   55436                                             
  UNPAID BALANCE:    359,422.510            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091317               MORTGAGORS:        POPPITI, ROBERT                                                    

                                                   POPPITI, VALERIE                                                   
                                            ADDRESS     :    12 NORTH HAMPSHIRE COURT                                 
  MORTGAGE AMT:       300,000.00            CITY               GREENVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               DE   19807                                             
  UNPAID BALANCE:    299,553.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.30167            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091325               MORTGAGORS:        HAINES, C                                                          

                                                   HAINES, DONNA                                                      
                                            ADDRESS     :    450 DRESHERTOWN ROAD                                     
  MORTGAGE AMT:       270,000.00            CITY               FORT WASHIN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               PA   19034                                             
  UNPAID BALANCE:    269,510.520            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,706.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.36364            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091333               MORTGAGORS:        NORTH, CHRISTOPHE                                                  

                                                   NORTH, SUSAN                                                       
                                            ADDRESS     :    3 PRESTWICK                                              
  MORTGAGE AMT:       300,000.00            CITY               WILLIAMSBUR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   23188                                             
  UNPAID BALANCE:    299,494.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,970.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091341               MORTGAGORS:        MARTIN, SAMUEL                                                     

                                                   MARTIN, CARINA                                                     
                                            ADDRESS     :    1474 WEST 18TH ST                                        
  MORTGAGE AMT:       321,000.00            CITY               UPLAND                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91784                                             
  UNPAID BALANCE:    319,911.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,108.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.62443            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091358               MORTGAGORS:        HLADEK, FRANK                                                      

                                                   HLADEK, WENDY                                                      
                                            ADDRESS     :    1141 FAIRBANKS DRIVE                                     
  MORTGAGE AMT:       332,000.00            CITY               LUTHERVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21093                                             
  UNPAID BALANCE:    331,727.860            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,208.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091366               MORTGAGORS:        FOGARTY, BRIAN                                                     

                                                   FOGARTY, PHYLLIS                                                   
                                            ADDRESS     :    LOT 11 HICKORY LANE                                      
  MORTGAGE AMT:       263,000.00            CITY               GEORGETOWN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               MA   01833                                             
  UNPAID BALANCE:    262,819.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,906.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.35294            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091374               MORTGAGORS:        ROWLING, SUSAN                                                     
                                            ADDRESS     :    205 DELANCEY STREET                                      
  MORTGAGE AMT:       282,000.00            CITY               PHILADELPHI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               PA   19106                                             
  UNPAID BALANCE:    281,569.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,947.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091382               MORTGAGORS:        RUMLEY, PAUL                                                       
                                            ADDRESS     :    165 WINDING WAY                                          
  MORTGAGE AMT:       350,000.00            CITY               HADDONFIELD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               NJ   08033                                             
  UNPAID BALANCE:    349,683.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,212.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.77778            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091390               MORTGAGORS:        KURTZMAN, GARY                                                     

                                                   KURTZMAN, MARIA                                                    
                                            ADDRESS     :    500 HILLBROOK ROAD                                       
  MORTGAGE AMT:       600,000.00            CITY               BRYN MAWR                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               PA   19010                                             
  UNPAID BALANCE:    599,457.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,792.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.82353            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091408               MORTGAGORS:        MA, GORDON                                                         

                                                   MA, JUDY                                                           
                                            ADDRESS     :    1138 EAST THUNDERHILL PL                                 
  MORTGAGE AMT:       310,000.00            CITY               PHOENIX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               AZ   85048                                             
  UNPAID BALANCE:    309,477.630            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,036.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.94672            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091416               MORTGAGORS:        CHRISTMAN, WARD                                                    

                                                   CHRISTMAN, KRISTINA                                                
                                            ADDRESS     :    713 YARMOUTH DRIVE                                       
  MORTGAGE AMT:       365,350.00            CITY               WEST CHESTE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               PA   19382                                             
  UNPAID BALANCE:    365,019.720            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,309.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96279            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091424               MORTGAGORS:        SCHOTT, KEVIN                                                      

                                                   SCHOTT, JENNIFER                                                   
                                            ADDRESS     :    11048 GRAESER LANE                                       
  MORTGAGE AMT:       426,874.00            CITY               ST LOUIS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MO   63141                                             
  UNPAID BALANCE:    426,541.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,912.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99978            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091432               MORTGAGORS:        GOSSELIN, PAUL                                                     

                                                   GOSSELIN, PATRICIA                                                 
                                            ADDRESS     :    8730 WATERFOWL FLYWAY                                    
  MORTGAGE AMT:       252,000.00            CITY               CHESTERFIEL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   23838                                             
  UNPAID BALANCE:    251,788.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,655.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.74684            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091440               MORTGAGORS:        DOCKERY, MELISSA                                                   
                                            ADDRESS     :    3 RIVER OAKS CIRCLE                                      
  MORTGAGE AMT:       296,000.00            CITY               LITTLE ROCK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AR   72207                                             
  UNPAID BALANCE:    295,763.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,994.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091457               MORTGAGORS:        ROSE, MARGARET                                                     
                                            ADDRESS     :    604 36 WASHINGTON SQUARE                                 
  MORTGAGE AMT:       300,000.00            CITY               PHILADELPHI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               PA   19106                                             
  UNPAID BALANCE:    299,735.320            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,920.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091465               MORTGAGORS:        ARNOLD, ALEXANDER                                                  

                                                   ARNOLD, JOAN                                                       
                                            ADDRESS     :    1250 DARTMOUTH COURT                                     
  MORTGAGE AMT:       338,400.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               VA   22314                                             
  UNPAID BALANCE:    337,815.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,194.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091473               MORTGAGORS:        ROTH, DEIDRE                                                       
                                            ADDRESS     :    18751 DOCTORS PASS LANE                                  
  MORTGAGE AMT:       489,300.00            CITY               CHESTERFIEL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MO   63005                                             
  UNPAID BALANCE:    488,888.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,214.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.56098            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091499               MORTGAGORS:        MAHER, JAMES                                                       

                                                   STAHELI, CAROL                                                     
                                            ADDRESS     :    2583 CEDAR COURT                                         
  MORTGAGE AMT:       292,000.00            CITY               NORTH LIBER                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IA   52317                                             
  UNPAID BALANCE:    291,760.650            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,942.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.12709            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091507               MORTGAGORS:        PETERSEN, MARK                                                     

                                                   PETERSEN, KATHLEEN                                                 
                                            ADDRESS     :    14220 N 78TH STREET                                      
  MORTGAGE AMT:       318,000.00            CITY               OMAHA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NE   68122                                             
  UNPAID BALANCE:    317,739.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,115.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.82353            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091515               MORTGAGORS:        PUGLISI, TONY                                                      

                                                   PUGLISI, LARUE                                                     
                                            ADDRESS     :    1549 SEABREEZE TRAIL                                     
  MORTGAGE AMT:       416,000.00            CITY               VIRIGINIA B                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   23452                                             
  UNPAID BALANCE:    415,316.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,767.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091523               MORTGAGORS:        FITZSIMONS, GAVAN                                                  

                                                   FITZSIMONS, KERRI                                                  
                                            ADDRESS     :    352 LLANDRILLO ROAD                                      
  MORTGAGE AMT:       312,900.00            CITY               BALA CYNWYD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               PA   19004                                             
  UNPAID BALANCE:    312,661.910            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,161.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.39759            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091531               MORTGAGORS:        SHEEHAN, JEFFREY                                                   
                                            ADDRESS     :    217 MONROE STREET                                        
  MORTGAGE AMT:       340,800.00            CITY               PHILADELPHI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               PA   19147                                             
  UNPAID BALANCE:    340,292.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,382.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091549               MORTGAGORS:        WIENER, CHRISTOPHE                                                 

                                                   WIENER, HELEN                                                      
                                            ADDRESS     :    2 LAYER DRIVE                                            
  MORTGAGE AMT:       280,000.00            CITY               MORRIS PLAI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               NJ   07950                                             
  UNPAID BALANCE:    279,752.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,792.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091556               MORTGAGORS:        KWONG, OWEN                                                        

                                                   CHAN, PAULINE                                                      
                                            ADDRESS     :    904 CALLE CANTA                                          
  MORTGAGE AMT:       376,534.00            CITY               GLENDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91208                                             
  UNPAID BALANCE:    376,240.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,568.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.91966            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091564               MORTGAGORS:        ZIAI, ALI                                                          

                                                   ZIAI, MALIHE                                                       
                                            ADDRESS     :    23 GARNET LANE                                           
  MORTGAGE AMT:       292,000.00            CITY               WEST WINDSO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08550                                             
  UNPAID BALANCE:    291,543.060            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,991.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091580               MORTGAGORS:        LAwRENCE, CHARLES                                                  

                                                   LAWRENCE, BILLYE                                                   
                                            ADDRESS     :    3010 NW 18TH AVENUE                                      
  MORTGAGE AMT:       520,000.00            CITY               CAMAS                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98607                                             
  UNPAID BALANCE:    519,563.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,416.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091598               MORTGAGORS:        CHELIST, EDWARD                                                    

                                                   K CHELIST, CHRISTINE                                               
                                            ADDRESS     :    139 DON LORENZO                                          
  MORTGAGE AMT:       276,000.00            CITY               CORRALES                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NM   87048                                             
  UNPAID BALANCE:    275,773.770            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,836.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091606               MORTGAGORS:        NIKETH, JAMES                                                      
                                            ADDRESS     :    4515 BIGHORN ROAD                                        
  MORTGAGE AMT:       270,400.00            CITY               VAIL                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   81657                                             
  UNPAID BALANCE:    269,278.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,798.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           01/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091614               MORTGAGORS:        BARTLETT, THOMAS                                                   

                                                   BARTLETT, SUSAN                                                    
                                            ADDRESS     :    2600 HELMSLEY COURT                                      
  MORTGAGE AMT:       277,000.00            CITY               MIDLOTHIAN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               VA   23111                                             
  UNPAID BALANCE:    276,521.670            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,796.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.47480            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091622               MORTGAGORS:        GODBY, RUSSELL                                                     

                                                   B GODBY, VIVIAN                                                    
                                            ADDRESS     :    8600 RIO GRANDE BLVD NW                                  
  MORTGAGE AMT:       318,750.00            CITY               ALBUQUERQUE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NM   87114                                             
  UNPAID BALANCE:    318,225.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,120.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091630               MORTGAGORS:        HESTERBERG, MICHAEL                                                

                                                   HESTERBERG, CAROLYN                                                
                                            ADDRESS     :    38 BRENTMOOR PARK                                        
  MORTGAGE AMT:       600,000.00            CITY               CLAYTON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MO   63105                                             
  UNPAID BALANCE:    599,543.450            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,144.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 36.92308            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091648               MORTGAGORS:        HAYDEN, LARRY                                                      

                                                   HAYDEN, ANNE                                                       
                                            ADDRESS     :    2705 E WOODLAND HILLS RD                                 
  MORTGAGE AMT:       256,000.00            CITY               SIOUX FALLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               SD   57103                                             
  UNPAID BALANCE:    255,790.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,703.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091655               MORTGAGORS:        RHODES, KIMBERLY                                                   

                                                   FRANKLIN, LURLEAN                                                  
                                            ADDRESS     :    913 SHADOW TREE COURT                                    
  MORTGAGE AMT:       268,050.00            CITY               VACAVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95687                                             
  UNPAID BALANCE:    267,640.830            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,851.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99996            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091663               MORTGAGORS:        SWANSON, KEVIN                                                     

                                                   SWANSON, MICHELLE                                                  
                                            ADDRESS     :    6500 SHAWNEE CIRCLE                                      
  MORTGAGE AMT:       302,400.00            CITY               EDINA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MN   55439                                             
  UNPAID BALANCE:    301,938.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,088.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091671               MORTGAGORS:        ANDERSON, BRUCE                                                    

                                                   ANDERSON, ELIZABETH                                                
                                            ADDRESS     :    169 SOUTH 100 EAST                                       
  MORTGAGE AMT:       288,750.00            CITY               MENDON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               UT   84325                                             
  UNPAID BALANCE:    288,524.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,969.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091697               MORTGAGORS:        DAVIDSON, DOUGLAS                                                  

                                                   DAVIDSON, SUSAN                                                    
                                            ADDRESS     :    540 EL REY DRIVE                                         
  MORTGAGE AMT:       311,200.00            CITY               CORRALES                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NM   87048                                             
  UNPAID BALANCE:    310,938.560            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,044.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.93258            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091705               MORTGAGORS:        O'Donnell, THEODORE                                                

                                                   O'Donnell, CYNTHIA                                                 
                                            ADDRESS     :    52 CLIFTON PARK                                          
  MORTGAGE AMT:       283,500.00            CITY               MELROSE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02176                                             
  UNPAID BALANCE:    283,267.610            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,886.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091713               MORTGAGORS:        CIARDIELLO, RONALD                                                 
                                            ADDRESS     :    11 ASHWOOD DRIVE                                         
  MORTGAGE AMT:       284,000.00            CITY               NORTH READI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01864                                             
  UNPAID BALANCE:    283,544.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,913.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091739               MORTGAGORS:        MCCORMICK, JOHN                                                    

                                                   SPERL, BRIDGET                                                     
                                            ADDRESS     :    110 BIRCHWOOD AVENUE                                     
  MORTGAGE AMT:       397,000.00            CITY               WHITE BEAR                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MN   55110                                             
  UNPAID BALANCE:    396,674.570            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,641.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.16667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091747               MORTGAGORS:        RHODES, REMUS                                                      

                                                   RHODES, NANCY                                                      
                                            ADDRESS     :    10 BAY FRONT PLACE                                       
  MORTGAGE AMT:       288,000.00            CITY               HAMPTON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   23664                                             
  UNPAID BALANCE:    287,758.040            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,891.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.91139            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091754               MORTGAGORS:        LAM, SHARKHONE                                                     

                                                   LAM, YUHLIEN                                                       
                                            ADDRESS     :    395 SLOAT COURT                                          
  MORTGAGE AMT:       288,000.00            CITY               SANTA CLARA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95051                                             
  UNPAID BALANCE:    287,514.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,891.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.28972            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091762               MORTGAGORS:        SCHENKER, STEVEN                                                   

                                                   SCHENKER, WENDY                                                    
                                            ADDRESS     :    205 FAIRVIEW LANE                                        
  MORTGAGE AMT:       318,000.00            CITY               NORTHBROOK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               IL   60062                                             
  UNPAID BALANCE:    317,758.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,196.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.97030            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091788               MORTGAGORS:        JOHNSON, RODNEY                                                    

                                                   JOHNSON, CARLA                                                     
                                            ADDRESS     :    824 WOODLEY DRIVE                                        
  MORTGAGE AMT:       400,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30318                                             
  UNPAID BALANCE:    399,687.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,728.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091796               MORTGAGORS:        FISCHER, SCOTT                                                     

                                                   FISCHER, LAURA                                                     
                                            ADDRESS     :    274 FARRELLS CREEK RD                                    
  MORTGAGE AMT:       323,000.00            CITY               APEX                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NC   27502                                             
  UNPAID BALANCE:    322,728.630            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,121.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091804               MORTGAGORS:        DILEN, GREGG                                                       
                                            ADDRESS     :    1003 QUEENSFERRY RD                                      
  MORTGAGE AMT:       262,800.00            CITY               CARY                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   27511                                             
  UNPAID BALANCE:    262,584.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,748.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.29412            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091820               MORTGAGORS:        DOUGLAS, HARVEY                                                    

                                                   DOUGLAS, JANICE                                                    
                                            ADDRESS     :    2606 AGNES CIRCLE                                        
  MORTGAGE AMT:       339,000.00            CITY               SPRINGTOWN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               TX   76082                                             
  UNPAID BALANCE:    338,735.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,312.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091838               MORTGAGORS:        CAMMAN, CONSTANCE                                                  
                                            ADDRESS     :    400 BEECHER RD                                           
  MORTGAGE AMT:       262,800.00            CITY               GAHANNA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               OH   43230                                             
  UNPAID BALANCE:    262,594.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,792.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091903               MORTGAGORS:        LATHROP, TIMOTHY                                                   

                                                   LATHROP, LINDA                                                     
                                            ADDRESS     :    2115 WICKLOW ROAD                                        
  MORTGAGE AMT:       257,900.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               IL   60564                                             
  UNPAID BALANCE:    257,708.600            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,803.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99079            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091929               MORTGAGORS:        KELLY, DAVID                                                       

                                                   KELLY, DEANA                                                       
                                            ADDRESS     :    1521 TRILLO AVENUE                                       
  MORTGAGE AMT:       281,700.00            CITY               CORAL GABLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               FL   33146                                             
  UNPAID BALANCE:    281,463.340            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,850.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091937               MORTGAGORS:        CHEUNG, AMBROSE                                                    

                                                   CHEUNG, YVONNE                                                     
                                            ADDRESS     :    3 WEBSTER TERRACE                                        
  MORTGAGE AMT:       332,800.00            CITY               HANOVER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NH   03755                                             
  UNPAID BALANCE:    332,533.860            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,242.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091952               MORTGAGORS:        BUENO ABDALA, JHAMIL                                               
                                            ADDRESS     :    6300 BAHAMA SHORES DR S                                  
  MORTGAGE AMT:       360,000.00            CITY               SAINT PETER                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               FL   33705                                             
  UNPAID BALANCE:    359,732.820            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,517.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091960               MORTGAGORS:        HAUPT, EDWARD                                                      

                                                   HANDELMAN, ABERTA                                                  
                                            ADDRESS     :    400 PASSAIC AVE                                          
  MORTGAGE AMT:       305,600.00            CITY               NUTLEY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07110                                             
  UNPAID BALANCE:    305,361.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,084.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091986               MORTGAGORS:        THOMASSEN, JAMES                                                   

                                                   NABAVI, AZITA                                                      
                                            ADDRESS     :    1943 10TH AVE                                            
  MORTGAGE AMT:       300,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94116                                             
  UNPAID BALANCE:    299,777.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.37558            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080091994               MORTGAGORS:        COLTON, KEVIN                                                      
                                            ADDRESS     :    206 MONTEREY ISLE BLVD N                                 
  MORTGAGE AMT:       362,000.00            CITY               LONGWOOD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               FL   32779                                             
  UNPAID BALANCE:    361,710.520            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,438.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.56250            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092000               MORTGAGORS:        HEYMANN, KENNETH                                                   

                                                   HEYMANN, SUSAN                                                     
                                            ADDRESS     :    1211 WESTMONT DRIVE                                      
  MORTGAGE AMT:       260,000.00            CITY               SOUTHLAKE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               TX   76092                                             
  UNPAID BALANCE:    259,776.140            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,686.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.42105            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092018               MORTGAGORS:        SCRIVENER, ROBERT                                                  

                                                   SCRIVENER, AUDREY                                                  
                                            ADDRESS     :    161 ST ANDREWS DR                                        
  MORTGAGE AMT:       356,000.00            CITY               APTOS                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95003                                             
  UNPAID BALANCE:    355,715.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,398.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.82063            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092034               MORTGAGORS:        QUINTANILLA, RALPH                                                 

                                                   QUINTANILLA, SUSAN                                                 
                                            ADDRESS     :    10 MOUNTAIN VALLEY PL                                    
  MORTGAGE AMT:       270,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94506                                             
  UNPAID BALANCE:    269,773.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,773.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092323               MORTGAGORS:        HILL, BRIAN                                                        

                                                   HILL, JOANN                                                        
                                            ADDRESS     :    1180 LOS ALTOS AVENUE                                    
  MORTGAGE AMT:       424,000.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90815                                             
  UNPAID BALANCE:    424,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,856.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092489               MORTGAGORS:        KRUEST, JAMES                                                      
                                            ADDRESS     :    17359 VIA DEL CAMPO                                      
  MORTGAGE AMT:       290,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92127                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,953.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 46.77419            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092612               MORTGAGORS:        RIDINGS, WILLIAM                                                   

                                                   MARGIOTTI, MARILYN                                                 
                                            ADDRESS     :    3231 GLORIA TERRACE                                      
  MORTGAGE AMT:       340,000.00            CITY               LAFAYETTE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94549                                             
  UNPAID BALANCE:    339,741.280            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,348.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.40449            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080092844               MORTGAGORS:        OZ, NITZAN                                                         

                                                   OZ, ESTHER                                                         
                                            ADDRESS     :    25614 NORTH HOOD WAY                                     
  MORTGAGE AMT:       290,050.00            CITY               STEVENSON R                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91381                                             
  UNPAID BALANCE:    289,800.270            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,881.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99393            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093032               MORTGAGORS:        CANNON, DON                                                        
                                            ADDRESS     :    1961 TIMARRON WAY                                        
  MORTGAGE AMT:       249,175.00            CITY               NAPLES                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               FL   34109                                             
  UNPAID BALANCE:    248,985.400            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,720.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99971            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093107               MORTGAGORS:        JEZAK, ARTHUR                                                      

                                                   JEZAK, HOLLIE                                                      
                                            ADDRESS     :    7032 CANDLELIGHT CIRCLE                                  
  MORTGAGE AMT:       272,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92647                                             
  UNPAID BALANCE:    272,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,809.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.61272            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093198               MORTGAGORS:        KIM, MONG                                                          

                                                   KIM, AIZA                                                          
                                            ADDRESS     :    977 SOUTH LOYOLA DRIVE                                   
  MORTGAGE AMT:       301,500.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               CA   92807                                             
  UNPAID BALANCE:    301,287.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,159.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093206               MORTGAGORS:        JUNG, WON YOUNG                                                    

                                                   CHANG, YOO JUNG                                                    
                                            ADDRESS     :    41943 PASEO PADRE PARKWAY                                
  MORTGAGE AMT:       285,600.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94539                                             
  UNPAID BALANCE:    285,365.890            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,900.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093230               MORTGAGORS:        THROOP, FRANK                                                      

                                                   GOLDSTEIN, LYNNE                                                   
                                            ADDRESS     :    815 GLENMONT AVENUE                                      
  MORTGAGE AMT:       248,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90024                                             
  UNPAID BALANCE:    248,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,691.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 31.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093271               MORTGAGORS:        ROBINSON, SAMUEL                                                   

                                                   LLOYD, MICHELLE                                                    
                                            ADDRESS     :    11861 GLADSTONE DRIVE                                    
  MORTGAGE AMT:       270,000.00            CITY               SANTA ANA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92705                                             
  UNPAID BALANCE:    270,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,841.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093297               MORTGAGORS:        WHARTON, MARK                                                      

                                                   MARTINI WHAR, JULIE                                                
                                            ADDRESS     :    5463 ROTARY DRIVE                                        
  MORTGAGE AMT:       298,451.00            CITY               LA VERNE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91750                                             
  UNPAID BALANCE:    298,451.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,985.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.51974            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093339               MORTGAGORS:        CUILLIER, JAMES                                                    

                                                   CUILLIER, STEPHANIE                                                
                                            ADDRESS     :    1429 PEPPERTREE DRIVE                                    
  MORTGAGE AMT:       488,000.00            CITY               LA HABRA HE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90631                                             
  UNPAID BALANCE:    488,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,246.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093545               MORTGAGORS:        TSE, GEORGE                                                        

                                                   AIKMAN, MARY                                                       
                                            ADDRESS     :    465 DELLBRROOK AVENUE                                    
  MORTGAGE AMT:       240,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   94131                                             
  UNPAID BALANCE:    239,793.360            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,556.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.30341            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093552               MORTGAGORS:        HUYNH, TAC                                                         

                                                   HUYNH, PAMELA                                                      
                                            ADDRESS     :    1350 BEDFORD STREET                                      
  MORTGAGE AMT:       406,400.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94539                                             
  UNPAID BALANCE:    406,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,806.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093578               MORTGAGORS:        ALLEN, DENNIS                                                      

                                                   ALLEN, SHARON                                                      
                                            ADDRESS     :    8 WHITE FIR COURT                                        
  MORTGAGE AMT:       295,000.00            CITY               NAPA                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94558                                             
  UNPAID BALANCE:    295,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,987.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093719               MORTGAGORS:        CAMPBELL, PHILIP                                                   

                                                   CAMPBELL, JULIA                                                    
                                            ADDRESS     :    162 164 BERNARD STREET                                   
  MORTGAGE AMT:       591,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94109                                             
  UNPAID BALANCE:    590,004.130            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,882.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.86486            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093735               MORTGAGORS:        FERGUSON, ROBERT                                                   

                                                   FERGUSON, LISA                                                     
                                            ADDRESS     :    2328 HERITAGE GREENS DRIV                                
  MORTGAGE AMT:       249,500.00            CITY               NAPLES                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               FL   34119                                             
  UNPAID BALANCE:    249,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,744.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99769            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093768               MORTGAGORS:        DIMSDALE, JERRY                                                    
                                            ADDRESS     :    15 VILLA NOVA  LANE                                      
  MORTGAGE AMT:       330,000.00            CITY               OAKLAND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94611                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,195.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.45946            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093909               MORTGAGORS:        GREITZER, MELVIN                                                   
                                            ADDRESS     :    5336 ELVIRA ROAD                                         
  MORTGAGE AMT:       260,000.00            CITY               WOODLAND HI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91364                                             
  UNPAID BALANCE:    259,797.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,773.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093917               MORTGAGORS:        BITTER, DOUGLAS                                                    

                                                   BITTER, ELAINE                                                     
                                            ADDRESS     :    67 SAN RAPHAEL                                           
  MORTGAGE AMT:       368,000.00            CITY               DANA POINT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92629                                             
  UNPAID BALANCE:    368,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,510.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080093933               MORTGAGORS:        CANDIOTY, VICTOR                                                   

                                                   CANDIOTY, SHERI                                                    
                                            ADDRESS     :    717 COVEWOOD STREET                                      
  MORTGAGE AMT:       341,600.00            CITY               AGOURA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91301                                             
  UNPAID BALANCE:    341,333.520            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,330.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094006               MORTGAGORS:        GEARIN, JAMES                                                      

                                                   GRUNINGER, GRETCHEN                                                
                                            ADDRESS     :    308 COMMONWEALTH AVENUE                                  
  MORTGAGE AMT:       520,000.00            CITY               BOSTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   02114                                             
  UNPAID BALANCE:    520,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,591.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094394               MORTGAGORS:        CALDERON, ALEJANDRO                                                
                                                   CALDERON,                                                          
                                                   CALDERON, ALEJANDRO                                                
                                                   CALDERON, DOLORES                                                  
                                            ADDRESS     :    4132 4138 UDALL STREET                                   
  MORTGAGE AMT:       359,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CA   92107                                             
  UNPAID BALANCE:    359,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,298.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.57804            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094535               MORTGAGORS:        D'ANGELO, GEORGE                                                   
                                            ADDRESS     :    755 CENTRAL AVE                                          
  MORTGAGE AMT:       260,000.00            CITY               NEEDHAM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02494                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094550               MORTGAGORS:        ZELETES, JANE                                                      
                                            ADDRESS     :    6142 SOUTH GENEVA WAY                                    
  MORTGAGE AMT:       267,900.00            CITY               ENGLEWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80111                                             
  UNPAID BALANCE:    267,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,827.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094568               MORTGAGORS:        YASAVOLIAN, HESHMATOLAH                                            
                                            ADDRESS     :    4517 PAPER MILL RD                                       
  MORTGAGE AMT:       368,000.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30067                                             
  UNPAID BALANCE:    368,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,510.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094576               MORTGAGORS:        F.GIEG, WILLIAM                                                    
                                            ADDRESS     :    8913 NORMICK ROAD                                        
  MORTGAGE AMT:       338,000.00            CITY               RICHMOND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               VA   23229                                             
  UNPAID BALANCE:    338,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,334.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.48000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094584               MORTGAGORS:        D.YOUNG, GARY                                                      

                                                   YOUNG, JONELL                                                      
                                            ADDRESS     :    7718 PARK RIDGE CIRCLEL                                  
  MORTGAGE AMT:       420,000.00            CITY               FT COLLINS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CO   80528                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,936.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.41000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094592               MORTGAGORS:        ZAMPELL, ROGER                                                     
                                            ADDRESS     :    1020 FAIRWAY ESTATE                                      
  MORTGAGE AMT:       375,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30319                                             
  UNPAID BALANCE:    375,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,494.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094600               MORTGAGORS:        BOTWIN, CHARLES                                                    
                                            ADDRESS     :    4163 GEMSTONE TERRACE                                    
  MORTGAGE AMT:       464,500.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30062                                             
  UNPAID BALANCE:    464,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,090.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094618               MORTGAGORS:        QUAGLIA, PAUL                                                      
                                            ADDRESS     :    413 ASHBURY DRIVE                                        
  MORTGAGE AMT:       261,250.00            CITY               HINSDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               IL   60521                                             
  UNPAID BALANCE:    261,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,804.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094626               MORTGAGORS:        BROWN, SAMUEL                                                      

                                                   BROWN, MERALY                                                      
                                            ADDRESS     :    6397 SWALLOW LANE                                        
  MORTGAGE AMT:       550,000.00            CITY               BOULDER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80303                                             
  UNPAID BALANCE:    550,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,751.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.90000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094634               MORTGAGORS:        HALLENBECK, CLIFFORD                                               
                                            ADDRESS     :    1228 N CONNER AVE                                        
  MORTGAGE AMT:       185,600.00            CITY               HIGLEY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               AZ   85236                                             
  UNPAID BALANCE:    185,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,297.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094642               MORTGAGORS:        MEAD, PHILIP                                                       
                                            ADDRESS     :    41346 PINE MEADOW CIRCLE                                 
  MORTGAGE AMT:       280,000.00            CITY               PARKER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80138                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,886.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.96000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094659               MORTGAGORS:        KUZNIEWSKI, MARK                                                   

                                                   KUZNIEWSKI, DENISE                                                 
                                            ADDRESS     :    2804 ROSE AVENUE                                         
  MORTGAGE AMT:       275,400.00            CITY               MCHENRY                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60050                                             
  UNPAID BALANCE:    275,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,878.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094667               MORTGAGORS:        DORMAN, S.                                                         
                                            ADDRESS     :    4980 BLUESTEM DRIVE                                      
  MORTGAGE AMT:       116,000.00            CITY               COLORADO SPRINGS                                       
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CO   80917                                             
  UNPAID BALANCE:    116,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            801.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094675               MORTGAGORS:        MURPHY, MARGARET                                                   
                                            ADDRESS     :    349 E DIXIE HWY                                          
  MORTGAGE AMT:       300,000.00            CITY               RUTLEDGE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30663                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 93.31000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094683               MORTGAGORS:        BUCK, JOHN                                                         

                                                   MAYFIELD, ANGELA                                                   
                                            ADDRESS     :    4013 HIGHFIELD WAY                                       
  MORTGAGE AMT:       455,000.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               GA   30062                                             
  UNPAID BALANCE:    455,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,142.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094709               MORTGAGORS:        COLE, MICHAEL                                                      
                                            ADDRESS     :    1449 CAMBRIDGE COMMONS                                   
  MORTGAGE AMT:       105,000.00            CITY               DECATUR                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               GA   30033                                             
  UNPAID BALANCE:    105,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            734.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094717               MORTGAGORS:        SPRINGER, BRUCE                                                    

                                                   SPRINGER, TANYA                                                    
                                            ADDRESS     :    245 WINDSOR GATE COVE                                    
  MORTGAGE AMT:       399,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               GA   30342                                             
  UNPAID BALANCE:    399,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,755.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.80000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094725               MORTGAGORS:        KNOX, FREDERICK                                                    

                                                   KNOX, MADELINE                                                     
                                            ADDRESS     :    167 BLAIR VALLEY DRIVE                                   
  MORTGAGE AMT:       400,000.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30060                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,627.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.80000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094741               MORTGAGORS:        BROOKS, HARRY L                                                    

                                                   BROOKS, ANN                                                        
                                            ADDRESS     :    509 PINEHILL PLACE                                       
  MORTGAGE AMT:       344,000.00            CITY               JACKSON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MS   39208                                             
  UNPAID BALANCE:    344,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,288.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094758               MORTGAGORS:        DABELA, ABRAHAM                                                    

                                                   DABELA, ELLENE                                                     
                                            ADDRESS     :    6810 MELODY LANE                                         
  MORTGAGE AMT:       990,000.00            CITY               BETHESDA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   20817                                             
  UNPAID BALANCE:    990,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          6,669.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.71000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094774               MORTGAGORS:        SELK, OWEN                                                         

                                                   SELK, CAROL                                                        
                                            ADDRESS     :    4374 NORTH IMPERIAL WAY                                  
  MORTGAGE AMT:       251,750.00            CITY               PROVO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               UT   84604                                             
  UNPAID BALANCE:    251,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,674.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094790               MORTGAGORS:        BUTER, EDWARD                                                      

                                                   BUTER, JODY                                                        
                                            ADDRESS     :    1047 WILLEO COURT                                        
  MORTGAGE AMT:       265,900.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30068                                             
  UNPAID BALANCE:    265,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,813.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094808               MORTGAGORS:        GETZOFF, TIMOTHY                                                   

                                                   GETZOFF, LAURA                                                     
                                            ADDRESS     :    370 INCA PARKWAY                                         
  MORTGAGE AMT:       332,800.00            CITY               BOULDER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80303                                             
  UNPAID BALANCE:    332,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,270.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094816               MORTGAGORS:        FITZPATRICK, KELLYANNE                                             
                                            ADDRESS     :    104 S SOMERSET AVE                                       
  MORTGAGE AMT:       338,400.00            CITY               VENTNOR CITY                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               NJ   08406                                             
  UNPAID BALANCE:    338,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,166.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094824               MORTGAGORS:        CALLOWAY, MAXWELL                                                  
                                            ADDRESS     :    2665 SHARONDALE DRIVE                                    
  MORTGAGE AMT:       340,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               GA   30305                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,377.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094832               MORTGAGORS:        DUNWODY, DAN                                                       

                                                   DUNWODY, JANET                                                     
                                            ADDRESS     :    3677 HABERSHAM LANE                                      
  MORTGAGE AMT:       400,000.00            CITY               DULUTU                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30096                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,728.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.34000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094840               MORTGAGORS:        ROSS, TIMOTHY                                                      

                                                   ROSS, SHIRLEY                                                      
                                            ADDRESS     :    4175 BRANDONMORE ROAD                                    
  MORTGAGE AMT:       169,600.00            CITY               CINCINNATI                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               OH   45255                                             
  UNPAID BALANCE:    169,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,185.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.88000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094857               MORTGAGORS:        MARTIN, TERRY                                                      

                                                   MARTIN, LYNNETTE                                                   
                                            ADDRESS     :    9922 SOUTH BIRDIE WAY                                    
  MORTGAGE AMT:       279,000.00            CITY               South Jordan                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               UT   84095                                             
  UNPAID BALANCE:    279,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,926.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094865               MORTGAGORS:        OSOWSKI, JEANETTE                                                  

                                                   SHEWBERT, KEITH                                                    
                                            ADDRESS     :    786 SUNSET DR                                            
  MORTGAGE AMT:       289,750.00            CITY               NORCROSS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30071                                             
  UNPAID BALANCE:    289,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,952.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094899               MORTGAGORS:        MOORE, BONNIE                                                      
                                            ADDRESS     :    6808 FALLBROOK CT                                        
  MORTGAGE AMT:       557,000.00            CITY               COLLEYVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               TX   76092                                             
  UNPAID BALANCE:    557,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,847.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.53000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094915               MORTGAGORS:        JARAVATA, JOVENCIO                                                 
                                            ADDRESS     :    355 CEDARCROFT DR                                        
  MORTGAGE AMT:       590,000.00            CITY               BRICK                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08724                                             
  UNPAID BALANCE:    580,423.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,024.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 57.56000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094923               MORTGAGORS:        KIM, DAI                                                           
                                            ADDRESS     :    1307 PALISADE AVE                                        
  MORTGAGE AMT:       337,500.00            CITY               FORT LEE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               NJ   07024                                             
  UNPAID BALANCE:    337,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,417.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094931               MORTGAGORS:        REEVES, GEOFFREY                                                   
                                            ADDRESS     :    6613 CREST TOP DRIVE                                     
  MORTGAGE AMT:       356,000.00            CITY               WEST BLOOMFIELD                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MI   48322                                             
  UNPAID BALANCE:    356,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,428.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.11000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094956               MORTGAGORS:        BRUZEE, ALAN                                                       
                                            ADDRESS     :    15507 VILLISCA TERRACE                                   
  MORTGAGE AMT:       146,400.00            CITY               ROCKVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               MD   20855                                             
  UNPAID BALANCE:    146,273.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            949.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094964               MORTGAGORS:        WALTZMAN, HOWARD                                                   
                                            ADDRESS     :    3138 38TH STREET, N.W.                                   
  MORTGAGE AMT:       320,000.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               DC   20016                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,210.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094972               MORTGAGORS:        JOHNSON, ERIC                                                      
                                            ADDRESS     :    1601 16TH ST NW #1                                       
  MORTGAGE AMT:       256,000.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               DC   20009                                             
  UNPAID BALANCE:    256,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,724.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094980               MORTGAGORS:        MAYAB, EVELYN                                                      
                                            ADDRESS     :    3114 S GLENHAVEN                                         
  MORTGAGE AMT:       105,600.00            CITY               SPRINGFIELD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               MO   65804                                             
  UNPAID BALANCE:    105,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            747.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080094998               MORTGAGORS:        DRURY, MELVIN                                                      
                                            ADDRESS     :    19 AVENUE  OF CHAMPIONS                                  
  MORTGAGE AMT:       387,000.00            CITY               NICHOLASVILLE                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               KY   40356                                             
  UNPAID BALANCE:    387,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,607.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095011               MORTGAGORS:        KONCURAT, STEPHEN                                                  
                                            ADDRESS     :    12730 MARYVALE CT                                        
  MORTGAGE AMT:       520,000.00            CITY               ELLICOTT CITY                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   21042                                             
  UNPAID BALANCE:    520,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,503.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095029               MORTGAGORS:        COHEN, YAFA                                                        
                                            ADDRESS     :    2020 WATERBURY LN                                        
  MORTGAGE AMT:       184,800.00            CITY               LAS VEGAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               NV   89134                                             
  UNPAID BALANCE:    184,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,339.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095052               MORTGAGORS:        BENNETT, GEANNIE                                                   
                                            ADDRESS     :    2805 WINTER OAKS WAY                                     
  MORTGAGE AMT:       368,000.00            CITY               OAK HILL                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               VA   20171                                             
  UNPAID BALANCE:    368,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,386.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.73000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095060               MORTGAGORS:        LEE, HENRY                                                         
                                            ADDRESS     :    751 VINING ESTATES DRIVE                                 
  MORTGAGE AMT:       408,000.00            CITY               SMYRNA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               GA   30126                                             
  UNPAID BALANCE:    408,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,922.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095086               MORTGAGORS:        CARDOSA, MICHAEL                                                   

                                                   CARDOSA, NANCY                                                     
                                            ADDRESS     :    6491 EL CAMINO REAL                                      
  MORTGAGE AMT:       300,000.00            CITY               CARLSBAD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92009                                             
  UNPAID BALANCE:    299,741.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,945.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.22449            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095151               MORTGAGORS:        GREENE,, ROBERT                                                    

                                                   GREENE, DEBORAH                                                    
                                            ADDRESS     :    244 POWERS COVE                                          
  MORTGAGE AMT:       405,000.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30067                                             
  UNPAID BALANCE:    405,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,762.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.41000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095169               MORTGAGORS:        MILLER, NORMA                                                      
                                            ADDRESS     :    5912 BETH DR                                             
  MORTGAGE AMT:       309,600.00            CITY               PLANO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               TX   75075                                             
  UNPAID BALANCE:    309,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,112.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095177               MORTGAGORS:        BLACK, JAMES                                                       

                                                   BLACK, JANET                                                       
                                            ADDRESS     :    4500 WHITTIER STREET                                     
  MORTGAGE AMT:       200,000.00            CITY               VENTURA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   93003                                             
  UNPAID BALANCE:    199,831.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,313.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095193               MORTGAGORS:        MORRIS, ROGER                                                      

                                                   SOLOMON, LISA                                                      
                                            ADDRESS     :    872 S WILLIAM ST                                         
  MORTGAGE AMT:       278,500.00            CITY               DENVER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CO   80209                                             
  UNPAID BALANCE:    278,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,138.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.93000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:105                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095201               MORTGAGORS:        richardson, noel                                                   

                                                   e.richardson, jayne                                                
                                            ADDRESS     :    145 JEWETT STREET                                        
  MORTGAGE AMT:       307,500.00            CITY               NEWTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02458                                             
  UNPAID BALANCE:    307,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,071.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095219               MORTGAGORS:        MOSES, ALAN                                                        

                                                   MOSES, ELIZABETH                                                   
                                            ADDRESS     :    51 DUDLEY ROAD                                           
  MORTGAGE AMT:       500,000.00            CITY               NEWTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02159                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,326.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 45.66000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095235               MORTGAGORS:        MOKSHAGUNDAN, SRIPRAKASH                                           

                                                   MOKSHAGUNDAN, KAMALA                                               
                                            ADDRESS     :    7404 HADDINGTON COURT                                    
  MORTGAGE AMT:       420,000.00            CITY               PROSPECT                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               KY   40059                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,759.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095243               MORTGAGORS:        RHOADS, JAMES                                                      

                                                   RHOADS, JUDITH                                                     
                                            ADDRESS     :    4011 OLD WESTBURY COURT                                  
  MORTGAGE AMT:       300,000.00            CITY               BOULDER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80301                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.81000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095250               MORTGAGORS:        L.CROUCH, RICK                                                     

                                                   CROUCH, JULIA                                                      
                                            ADDRESS     :    9550 East STATE ROAD 46                                  
  MORTGAGE AMT:       250,000.00            CITY               BLOOMINGTON                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IN   47401                                             
  UNPAID BALANCE:    250,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,684.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.21000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095268               MORTGAGORS:        CHRISTIAN, EUGENE                                                  

                                                   CHRISTIAN, LINDA                                                   
                                            ADDRESS     :    160 LAKEVIEW DR                                          
  MORTGAGE AMT:       460,000.00            CITY               MCMURRAY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               PA   15317                                             
  UNPAID BALANCE:    459,170.820            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,214.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/24                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095276               MORTGAGORS:        BERENDT, ARTHUR                                                    

                                                   BERENDT, KELLY                                                     
                                            ADDRESS     :    1147 LATHROP AVENUE                                      
  MORTGAGE AMT:       337,100.00            CITY               RIVER FOREST                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60305                                             
  UNPAID BALANCE:    337,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,299.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095284               MORTGAGORS:        WILLIAMS, BARRY                                                    

                                                   Williams, Bonnie                                                   
                                            ADDRESS     :    1800 WHIPPORWILL ROAD                                    
  MORTGAGE AMT:       266,500.00            CITY               WATKINSVILLE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               GA   30677                                             
  UNPAID BALANCE:    266,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,728.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.38000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095292               MORTGAGORS:        STOLLER, GREGORY                                                   

                                                   WASSELL, ARLENE                                                    
                                            ADDRESS     :    119 NEHOIDEN STREET                                      
  MORTGAGE AMT:       305,000.00            CITY               NEEDHAM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MA   02492                                             
  UNPAID BALANCE:    305,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,003.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.50000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095300               MORTGAGORS:        CYRA, STEVEN                                                       

                                                   CYRA, MARY                                                         
                                            ADDRESS     :    N53 W16112 WHISPERING WAY                                
  MORTGAGE AMT:       315,200.00            CITY               MENOMONEE FALLS                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WI   53051                                             
  UNPAID BALANCE:    315,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,123.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095318               MORTGAGORS:        GLEITMAN, RONALD                                                   

                                                   MCGREGOR, KARLA                                                    
                                            ADDRESS     :    375 MADISON AVENUE                                       
  MORTGAGE AMT:       312,000.00            CITY               GLENCOE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60022                                             
  UNPAID BALANCE:    312,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,102.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095326               MORTGAGORS:        DAGLEY, JAMES                                                      

                                                   DAGLEY, ELIZABETH                                                  
                                            ADDRESS     :    181 PEREGRINE                                            
  MORTGAGE AMT:       327,000.00            CITY               HAWTHORN WOODS                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               IL   60047                                             
  UNPAID BALANCE:    327,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,148.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.67000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095334               MORTGAGORS:        rystad, harold                                                     

                                                   k.rystad, joie                                                     
                                            ADDRESS     :    36232 N WILDFLOWER                                       
  MORTGAGE AMT:       358,000.00            CITY               CAREFREE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               AZ   85377                                             
  UNPAID BALANCE:    358,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,442.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.17000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095342               MORTGAGORS:        l.galfer, michael                                                  

                                                   galfer, elizabeth                                                  
                                            ADDRESS     :    432 OAKWOOD DR                                           
  MORTGAGE AMT:       296,000.00            CITY               BARRINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               IL   60010                                             
  UNPAID BALANCE:    296,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,044.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095359               MORTGAGORS:        KIRGAN, TIM                                                        

                                                   KIRGAN, MONICA                                                     
                                            ADDRESS     :    3481 NW. 93RD AVENUE                                     
  MORTGAGE AMT:       250,000.00            CITY               POLK CITY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IA   50226                                             
  UNPAID BALANCE:    250,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,705.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095375               MORTGAGORS:        OHLHAUSEN, ERIC                                                    

                                                   OHLHAUSEN, KATHERINE                                               
                                            ADDRESS     :    45 MADDOX DRIVE                                          
  MORTGAGE AMT:       650,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30309                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,324.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.89000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095383               MORTGAGORS:        LOSEY, DENNIS                                                      

                                                   LOSEY, MARILYN                                                     
                                            ADDRESS     :    3080 N LAKERIDGE TRL                                     
  MORTGAGE AMT:       335,000.00            CITY               BOULDER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80302                                             
  UNPAID BALANCE:    335,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,285.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.83000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095391               MORTGAGORS:        DUNLOP, BRIAN                                                      

                                                   DUNLOP, DORCAS                                                     
                                            ADDRESS     :    314 W JACKSON ROAD                                       
  MORTGAGE AMT:       356,250.00            CITY               ST LOUIS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MO   63119                                             
  UNPAID BALANCE:    356,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,460.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095409               MORTGAGORS:        POWELL, WILLIAM                                                    

                                                   MUDD-POWELL, SUSAN                                                 
                                            ADDRESS     :    12610 WEST AUBURN AVENUE                                 
  MORTGAGE AMT:       258,000.00            CITY               LAKEWOOD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CO   80228                                             
  UNPAID BALANCE:    258,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,781.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095417               MORTGAGORS:        ZIBANEJADRAD, MAJID                                                

                                                   ZIBANEJADRAD, CLAUDIA                                              
                                            ADDRESS     :    645 WEST HOLLOW CT                                       
  MORTGAGE AMT:       362,400.00            CITY               ROSWELL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30075                                             
  UNPAID BALANCE:    362,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,472.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095425               MORTGAGORS:        OWEN, STEVEN                                                       

                                                   OWEN, PEGGY                                                        
                                            ADDRESS     :    353 SOUTH ARROYA ROAD                                    
  MORTGAGE AMT:       328,800.00            CITY               APACHE JUNCTION                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               AZ   85219                                             
  UNPAID BALANCE:    328,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,159.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095441               MORTGAGORS:        CORSARO, JAMES                                                     

                                                   CORSARO, DONNA                                                     
                                            ADDRESS     :    11098 EAST BECK LANE                                     
  MORTGAGE AMT:       321,250.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               AZ   85259                                             
  UNPAID BALANCE:    321,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,110.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095458               MORTGAGORS:        OGAN, DENNIS                                                       

                                                   OGAN, ANNE                                                         
                                            ADDRESS     :    1543 PINE STREET                                         
  MORTGAGE AMT:       480,000.00            CITY               BOULDER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CO   80302                                             
  UNPAID BALANCE:    480,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,274.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095466               MORTGAGORS:        E.OCONNOR, ROBERT                                                  

                                                   OCONNOR, LISA                                                      
                                            ADDRESS     :    416 W. ORIOLE LN                                         
  MORTGAGE AMT:       309,600.00            CITY               MT PROSPECT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60056                                             
  UNPAID BALANCE:    309,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,085.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095474               MORTGAGORS:        PARKHOUSE, KENDALL                                                 

                                                   PARKHOUSE, LOBELA                                                  
                                            ADDRESS     :    125 KILTIRNAN CT                                         
  MORTGAGE AMT:       262,500.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30004                                             
  UNPAID BALANCE:    262,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,724.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.55000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095482               MORTGAGORS:        HAICK, CRAIG                                                       

                                                   HAICK, JUDI                                                        
                                            ADDRESS     :    12461 BRIGHTON LANE                                      
  MORTGAGE AMT:       289,150.00            CITY               PLAINFIELD                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60544                                             
  UNPAID BALANCE:    289,150.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,948.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.66000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095490               MORTGAGORS:        POCKROSS, MIRIAM                                                   

                                                   POCKROSS, KEITH                                                    
                                            ADDRESS     :    1460 C BUFFEHR CREEK ROAD                                
  MORTGAGE AMT:       500,000.00            CITY               VAIL                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   81657                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,368.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095508               MORTGAGORS:        SAUNDERS, AARON                                                    

                                                   KOTULA, DIANE                                                      
                                            ADDRESS     :    9809 N 56TH ST                                           
  MORTGAGE AMT:       330,000.00            CITY               PHOENIX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               AZ   85253                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,251.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 48.89000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095516               MORTGAGORS:        MEERSMAN, WILLIAM                                                  

                                                   WOOD, CARRIE                                                       
                                            ADDRESS     :    4 BARK CHERRY                                            
  MORTGAGE AMT:       265,000.00            CITY               LITTLETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80127                                             
  UNPAID BALANCE:    265,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,785.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.86000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095524               MORTGAGORS:        VANCE, ALLEN                                                       

                                                   VANCE, PAMELA                                                      
                                            ADDRESS     :    5586 WOODSONA DR                                         
  MORTGAGE AMT:       324,000.00            CITY               DUNWOODY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30338                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095565               MORTGAGORS:        OUNE, CHRISTOPHER                                                  

                                                   OUNE, KIMIKO                                                       
                                            ADDRESS     :    15 TRADITION PL                                          
  MORTGAGE AMT:       295,000.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92602                                             
  UNPAID BALANCE:    295,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,987.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095573               MORTGAGORS:        MONIZ, GREGORY                                                     

                                                   MONIZ, IDELL                                                       
                                            ADDRESS     :    4055 PIER PT                                             
  MORTGAGE AMT:       304,000.00            CITY               DISCOVERY BAY                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94514                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,125.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095599               MORTGAGORS:        GROSS, DANIEL                                                      

                                                   GROSS, MARY                                                        
                                            ADDRESS     :    4849 GLENHOLLOW CR                                       
  MORTGAGE AMT:       260,000.00            CITY               OCEANSIDE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92057                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,708.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095607               MORTGAGORS:        LOCKHEIMER, ROBERT                                                 

                                                   LOCKHEIMER, KIMBERLY                                               
                                            ADDRESS     :    1355 SPARROW RD                                          
  MORTGAGE AMT:       335,000.00            CITY               CARLSBAD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92009                                             
  UNPAID BALANCE:    335,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,256.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.44000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095615               MORTGAGORS:        NAGY, ROBERT                                                       

                                                   NAGY, DONNA                                                        
                                            ADDRESS     :    1 D'ALTRUI DR                                            
  MORTGAGE AMT:       290,000.00            CITY               HILLSBOROUGH                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08853                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,978.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.25000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095623               MORTGAGORS:        KUKOFF, JAY                                                        

                                                   KUKOFF, OLGA                                                       
                                            ADDRESS     :    30 ROBIN RD                                              
  MORTGAGE AMT:       320,000.00            CITY               WARREN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   07059                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,210.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.54000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095631               MORTGAGORS:        ENKIN, VALERIY                                                     

                                                   enkin, tatyana                                                     
                                            ADDRESS     :    37 TIP TOP WAY                                           
  MORTGAGE AMT:       279,900.00            CITY               BERKELEY HEIGHTS                                       
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   07922                                             
  UNPAID BALANCE:    279,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,933.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095649               MORTGAGORS:        ROBINETTE, RONALD                                                  

                                                   ROEDIGER, SHARON                                                   
                                            ADDRESS     :    2700 NORTH PLACITA COPAN                                 
  MORTGAGE AMT:       229,183.81            CITY               TUCSON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AZ   85749                                             
  UNPAID BALANCE:    229,183.810            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,524.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.31000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095656               MORTGAGORS:        DESANTIAGO, MICHAEL                                                

                                                   DESANTIAGO, CARMEN                                                 
                                            ADDRESS     :    6852 CONCORD N                                           
  MORTGAGE AMT:       480,000.00            CITY               NILES                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60714                                             
  UNPAID BALANCE:    479,606.550            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,193.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.54000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095664               MORTGAGORS:        FRAZIER, CRAIG                                                     

                                                   FRAZIER, PATTI                                                     
                                            ADDRESS     :    19550 E.VIA DEL ORO                                      
  MORTGAGE AMT:       291,350.00            CITY               QUEEN CREEK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.87500                               AZ   85242                                             
  UNPAID BALANCE:    290,911.050            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,112.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 82.07000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.87500             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095680               MORTGAGORS:        s.dapon, eric                                                      

                                                   T DAPON, MARIA                                                     
                                            ADDRESS     :    28222 N 50TH PLACE                                       
  MORTGAGE AMT:       275,700.00            CITY               PHOENIX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               AZ   85331                                             
  UNPAID BALANCE:    275,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,927.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095706               MORTGAGORS:        THURMON, DONALD                                                    

                                                   THURMON, CAROL                                                     
                                            ADDRESS     :    7950 LANDOWNE DRIVE                                      
  MORTGAGE AMT:       351,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.50000                               GA   30350                                             
  UNPAID BALANCE:    349,921.630            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,698.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.50000             MATURITY DATE:           12/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095730               MORTGAGORS:        UPPAL, RAJIV                                                       

                                                   UPPAL, REKHA                                                       
                                            ADDRESS     :    11319 PALATINE DR                                        
  MORTGAGE AMT:       561,600.00            CITY               POTOMAC                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   20854                                             
  UNPAID BALANCE:    561,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,783.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095748               MORTGAGORS:        MOLTHAN, STACEY                                                    
                                            ADDRESS     :    4655 DRIFTWOOD DR                                        
  MORTGAGE AMT:       325,000.00            CITY               FRISCO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               TX   75034                                             
  UNPAID BALANCE:    325,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,162.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.42000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095755               MORTGAGORS:        SULLIVAN, DANIEL                                                   

                                                   SULLIVAN, MARJORIE                                                 
                                            ADDRESS     :    1314-A NO OCEAN BLVD                                     
  MORTGAGE AMT:       292,000.00            CITY               SURFSIDE BEACH                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               SC   29575                                             
  UNPAID BALANCE:    292,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,991.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095763               MORTGAGORS:        ZARZUELA, JOSE                                                     

                                                   ZARZUELA, DONNA                                                    
                                            ADDRESS     :    4505 REBECCA COURT                                       
  MORTGAGE AMT:       228,800.00            CITY               ELLICOTT CITY                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21043                                             
  UNPAID BALANCE:    228,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,560.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095771               MORTGAGORS:        WILLIAMS, DAVID                                                    

                                                   WILLIAMS, CHRISTINE                                                
                                            ADDRESS     :    530 NEWTOWN RD                                           
  MORTGAGE AMT:       560,000.00            CITY               BERWYN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               PA   19312                                             
  UNPAID BALANCE:    560,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,772.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095789               MORTGAGORS:        NAYLOR, GARY                                                       

                                                   NAYLOR, DIANE                                                      
                                            ADDRESS     :    8579 EAGLE RIDGE CT                                      
  MORTGAGE AMT:       336,000.00            CITY               SPRINGBORO                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               OH   45066                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,320.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095797               MORTGAGORS:        AKHTAR, MUHAMMAD                                                   

                                                   akhtar, rehana                                                     
                                            ADDRESS     :    9202 FALLING WATER DRIVE                                 
  MORTGAGE AMT:       570,000.00            CITY               BURR RIDGE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60521                                             
  UNPAID BALANCE:    570,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,840.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.06000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095813               MORTGAGORS:        MONTGOMERY, MARK                                                   

                                                   MONTGOMERY, TAMRA                                                  
                                            ADDRESS     :    2692 JOYCERIDGE                                          
  MORTGAGE AMT:       318,200.00            CITY               CHESTERFIELD                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MO   63017                                             
  UNPAID BALANCE:    318,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,143.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095821               MORTGAGORS:        VOMBERG, BETTY                                                     

                                                   VOMBERG, ARTHUR                                                    
                                            ADDRESS     :    15750 OLD CLARKSON RD                                    
  MORTGAGE AMT:       500,000.00            CITY               CHESTERFIELD                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MO   63017                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,368.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095839               MORTGAGORS:        BETHEL, BETH                                                       

                                                   BETHEL, SCOTT                                                      
                                            ADDRESS     :    106 MEADOW                                               
  MORTGAGE AMT:       355,000.00            CITY               LABADIE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MO   63055                                             
  UNPAID BALANCE:    355,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,482.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.34000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095847               MORTGAGORS:        HOWARD, KATHRYN                                                    

                                                   HOWARD, KEVIN                                                      
                                            ADDRESS     :    208 CEDAR HILL DR.                                       
  MORTGAGE AMT:       304,000.00            CITY               LABADIE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MO   63055                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,073.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.15000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095854               MORTGAGORS:        WHITTLEY, WILLIAM                                                  

                                                   WHITTLEY, WILMA                                                    
                                            ADDRESS     :    168 RUE GRAND                                            
  MORTGAGE AMT:       100,000.00            CITY               LAKE ST LOUIS                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MO   63376                                             
  UNPAID BALANCE:    100,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            699.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.34000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095862               MORTGAGORS:        VELA, OCTAVIO                                                      

                                                   R.VELA, EILLEN                                                     
                                            ADDRESS     :    132 ASPEN DR                                             
  MORTGAGE AMT:       520,000.00            CITY               LOS ALAMOS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NM   87544                                             
  UNPAID BALANCE:    520,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,459.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.47000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095870               MORTGAGORS:        jg.rust, edwin                                                     

                                                   rust, susan                                                        
                                            ADDRESS     :    1802 ST MARK DR                                          
  MORTGAGE AMT:       276,000.00            CITY               GAMBRILLS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   21054                                             
  UNPAID BALANCE:    276,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,836.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095888               MORTGAGORS:        TOYAMA, JOHN                                                       

                                                   TOYAMA, MASAE                                                      
                                            ADDRESS     :    11512 CLARKSON RD                                        
  MORTGAGE AMT:       258,463.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90064                                             
  UNPAID BALANCE:    258,463.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,697.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.15000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095896               MORTGAGORS:        SCOLNICK, HERBERT                                                  

                                                   SCOLNICK, CAMILLE                                                  
                                            ADDRESS     :    1420 N LIVERNOIS ROAD                                    
  MORTGAGE AMT:       649,999.00            CITY               ROCHESTER HILLS                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MI   48306                                             
  UNPAID BALANCE:    649,999.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,434.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.20000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095904               MORTGAGORS:        CAMPBELL, TIMOTHY                                                  

                                                   CAMPBELL, LORRI                                                    
                                            ADDRESS     :    714 RIDGECREST RD                                        
  MORTGAGE AMT:       400,000.00            CITY               AKRON                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               OH   44303                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,594.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.67000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095912               MORTGAGORS:        O'MARA, FRANCIS                                                    

                                                   O'MARA, CONSTANCE                                                  
                                            ADDRESS     :    7862 BRESSINGHAM DR                                      
  MORTGAGE AMT:       274,500.00            CITY               FAIRFAX STATION                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               VA   22039                                             
  UNPAID BALANCE:    274,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,780.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.30000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095920               MORTGAGORS:        LONDON, ERIC                                                       

                                                   BROWNE-LONDON, HALI                                                
                                            ADDRESS     :    6701 RANNOCH RD                                          
  MORTGAGE AMT:       306,000.00            CITY               BETHESDA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   20817                                             
  UNPAID BALANCE:    306,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,061.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.23000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095938               MORTGAGORS:        JOERIGHT, DANIEL                                                   

                                                   JOERIGHT, PHYLLIS                                                  
                                            ADDRESS     :    10601 BRODHEAD                                           
  MORTGAGE AMT:       480,000.00            CITY               GROSSE ILE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MI   48138                                             
  UNPAID BALANCE:    480,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,274.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095946               MORTGAGORS:        DMITRIEV, VLADIMIR                                                 

                                                   DMITRIEV, IRINA                                                    
                                            ADDRESS     :    13501 SCOTTISH AUTUMN LA                                 
  MORTGAGE AMT:       335,200.00            CITY               GAITHERSBURG                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MD   20878                                             
  UNPAID BALANCE:    335,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,315.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095953               MORTGAGORS:        JOHNSON, DARREN                                                    

                                                   JOHNSON, AIMEE                                                     
                                            ADDRESS     :    1408 ARLINGTON CHASE                                     
  MORTGAGE AMT:       277,000.00            CITY               SHERMAN                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   62684                                             
  UNPAID BALANCE:    277,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,889.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.58000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095961               MORTGAGORS:        BAKER, JANET                                                       

                                                   BAKER, RONALD                                                      
                                            ADDRESS     :    6043 LAKE LIZZIE DR                                      
  MORTGAGE AMT:       299,900.00            CITY               ST CLOUD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               FL   34771                                             
  UNPAID BALANCE:    299,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,970.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095987               MORTGAGORS:        NERLINGER, RICHARD                                                 

                                                   NERLINGER, VIRGINIA                                                
                                            ADDRESS     :    37 WESTBURY DR                                           
  MORTGAGE AMT:       341,000.00            CITY               SPARTA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07871                                             
  UNPAID BALANCE:    341,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,268.68            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080095995               MORTGAGORS:        DUNN, GRADY                                                        

                                                   CHENG, FREDERICK                                                   
                                            ADDRESS     :    108 6TH ST NE                                            
  MORTGAGE AMT:       324,000.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               DC   20002                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,265.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096001               MORTGAGORS:        NAVARRA, THOMAS                                                    

                                                   NAVARRA, KELLY                                                     
                                            ADDRESS     :    9201 CANDLE RIDGE CT                                     
  MORTGAGE AMT:       251,800.00            CITY               CENTERVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               OH   45458                                             
  UNPAID BALANCE:    251,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,717.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096019               MORTGAGORS:        GOLDFEDER, JUDD                                                    

                                                   HINES-GOLDFEDER, FAYE                                              
                                            ADDRESS     :    141 HELEN WAY                                            
  MORTGAGE AMT:       262,500.00            CITY               ESCONDIDO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92025                                             
  UNPAID BALANCE:    262,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,813.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096027               MORTGAGORS:        PIERCE, WILLIAM                                                    

                                                   PIERCE, PHYLLIS                                                    
                                            ADDRESS     :    5419 N RIDGE SPRING PL                                   
  MORTGAGE AMT:       240,000.00            CITY               TUCSON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AZ   85749                                             
  UNPAID BALANCE:    240,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,596.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096035               MORTGAGORS:        REYES, JOSE                                                        

                                                   REYES, SOLFIA                                                      
                                            ADDRESS     :    816 COVENTRY POINT                                       
  MORTGAGE AMT:       246,500.00            CITY               SPRINGFIELD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   62702                                             
  UNPAID BALANCE:    246,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,681.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.74000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096043               MORTGAGORS:        REPASS, KATHLEEN                                                   

                                                   REPASS, CHISTOPHER                                                 
                                            ADDRESS     :    106 HOLLYCLIFF LN                                        
  MORTGAGE AMT:       248,900.00            CITY               CARY                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               NC   27511                                             
  UNPAID BALANCE:    248,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,635.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096050               MORTGAGORS:        SEALL, RICHARD                                                     

                                                   SEALL, SUSANNE                                                     
                                            ADDRESS     :    50670 RAVENNA CT                                         
  MORTGAGE AMT:       416,400.00            CITY               SOUTH BEND                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IN   46628                                             
  UNPAID BALANCE:    416,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,770.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.31000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096068               MORTGAGORS:        LESCHANDER, RICHARD                                                

                                                   LESCHANDER, LONA                                                   
                                            ADDRESS     :    35 CEDARS AVE                                            
  MORTGAGE AMT:       311,200.00            CITY               HARVEY CEDARS                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.37500                               NJ   08008                                             
  UNPAID BALANCE:    311,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,941.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096076               MORTGAGORS:        CHESHIRE, HOWARD                                                   

                                                   CHESHIRE, LUISA                                                    
                                            ADDRESS     :    5196 SHEFFIELD DR                                        
  MORTGAGE AMT:       548,000.00            CITY               POWELL                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               OH   43065                                             
  UNPAID BALANCE:    548,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,738.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096084               MORTGAGORS:        TRIMBLE, EDWARD                                                    

                                                   TRIMBLE, MELISSA                                                   
                                            ADDRESS     :    620 E. MORNINGSIDE                                       
  MORTGAGE AMT:       368,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30324                                             
  UNPAID BALANCE:    368,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,448.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.79000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096092               MORTGAGORS:        CHEN-YOUNG, MICHAEL                                                

                                                   CHEN-YOUNG, ADRIENNE                                               
                                            ADDRESS     :    5521 WESTBARD AVE                                        
  MORTGAGE AMT:       340,000.00            CITY               BETHESDA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20816                                             
  UNPAID BALANCE:    340,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,233.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096100               MORTGAGORS:        SCHWARTZ, WILLIAM                                                  

                                                   SCHWARTZ, GAIL                                                     
                                            ADDRESS     :    10800 E CACTUS ROAD                                      
  MORTGAGE AMT:       360,000.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85259                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,486.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.25000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096118               MORTGAGORS:        MILLER, CLINTON                                                    

                                                   MILLER, MARIAN                                                     
                                            ADDRESS     :    25428 N BRONCO TRAIL                                     
  MORTGAGE AMT:       308,000.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85255                                             
  UNPAID BALANCE:    308,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,127.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.05000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096126               MORTGAGORS:        SULLIVAN, DANIEL                                                   

                                                   SULLIVAN, MARY                                                     
                                            ADDRESS     :    1029 BROAD BRANCH COURT                                  
  MORTGAGE AMT:       520,000.00            CITY               MCLEAN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22101                                             
  UNPAID BALANCE:    520,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,547.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096134               MORTGAGORS:        BERTELSON, KATHERINE                                               
                                            ADDRESS     :    105 CLAY POINT RD                                        
  MORTGAGE AMT:       280,000.00            CITY               COLCHESTER                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.75000                               VT   05446                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,005.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.87000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080096696               MORTGAGORS:        CARROLL, DENISE                                                    

                                                   YAGER, JOHN                                                        
                                            ADDRESS     :    9 BENNETT DRIVE                                          
  MORTGAGE AMT:       325,000.00            CITY               EAST QUOGUE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NY   11942                                             
  UNPAID BALANCE:    324,737.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,244.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.04110            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080097496               MORTGAGORS:        SPARKMAN, JANICE                                                   
                                                   GROMAN, ESTHER                                                     
                                                   GROMAN, JOHN                                                       
                                            ADDRESS     :    3751 KENSINGTON COURT                                    
  MORTGAGE AMT:       402,600.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95404                                             
  UNPAID BALANCE:    402,261.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,644.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.98659            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080097678               MORTGAGORS:        GILANI, ALI                                                        
                                            ADDRESS     :    5581   5585 CAMPO WALK                                   
  MORTGAGE AMT:       396,000.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90803                                             
  UNPAID BALANCE:    395,691.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,701.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.86957            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080097769               MORTGAGORS:        RUSHFORD, GARY                                                     

                                                   RUSHFORD, SHARON                                                   
                                            ADDRESS     :    1852 CHERRY AVENUE                                       
  MORTGAGE AMT:       500,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   95125                                             
  UNPAID BALANCE:    499,569.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,243.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.42254            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080098262               MORTGAGORS:        HARRIS, MARK                                                       

                                                   HARRIS, CYNTHIA                                                    
                                            ADDRESS     :    603 PICARDY COURT                                        
  MORTGAGE AMT:       288,000.00            CITY               ROSEVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95661                                             
  UNPAID BALANCE:    287,775.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080098312               MORTGAGORS:        DAS, AJAY                                                          

                                                   DAS, GEETAM                                                        
                                            ADDRESS     :    834 STRICKROTH DRIVE                                     
  MORTGAGE AMT:       400,000.00            CITY               MILPITAS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95035                                             
  UNPAID BALANCE:    399,695.630            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,762.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080099575               MORTGAGORS:        LAPE, JAMES                                                        

                                                   LAPE, SUZANNE                                                      
                                            ADDRESS     :    825 FOXTAIL COURT                                        
  MORTGAGE AMT:       641,000.00            CITY               WALNUT CREE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94596                                             
  UNPAID BALANCE:    640,461.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,210.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.05464            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080099658               MORTGAGORS:        HOLLIS, STACEY                                                     

                                                   HOLLIS, CYNTHIA                                                    
                                            ADDRESS     :    8186 CASTLEHILL ROAD                                     
  MORTGAGE AMT:       456,800.00            CITY               HOOVER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               AL   35242                                             
  UNPAID BALANCE:    456,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,116.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080099740               MORTGAGORS:        BABCOCK, TERESA                                                    
                                            ADDRESS     :    19998 SHADOW CREEK CIRCLE                                
  MORTGAGE AMT:       340,100.00            CITY               CASTRO VALL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94552                                             
  UNPAID BALANCE:    339,841.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,348.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98912            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100605               MORTGAGORS:        GHAWI, GEORGE                                                      
                                            ADDRESS     :    11201 WHITE OAK AVENUE                                   
  MORTGAGE AMT:       287,200.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91344                                             
  UNPAID BALANCE:    286,981.460            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,983.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.33702            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100621               MORTGAGORS:        BARTOLET, DAVID                                                    

                                                   BARTOLET, MARIA                                                    
                                            ADDRESS     :    1900 EL MONTE DRIVE                                      
  MORTGAGE AMT:       264,000.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91362                                             
  UNPAID BALANCE:    263,794.050            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,800.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.86207            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100647               MORTGAGORS:        MARKS, ALAN                                                        

                                                   MARKS, HELENA                                                      
                                            ADDRESS     :    16 TRANTO DRIVE                                          
  MORTGAGE AMT:       281,000.00            CITY               NEWPORT COA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92657                                             
  UNPAID BALANCE:    280,796.620            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,988.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.77636            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100662               MORTGAGORS:        JOHNSON, PHILLIP                                                   

                                                   JOHNSON, DONNA                                                     
                                            ADDRESS     :    28605 EVENING BREEZE DRIV                                
  MORTGAGE AMT:       312,800.00            CITY               YORBA LINDA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92887                                             
  UNPAID BALANCE:    312,543.600            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,081.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100753               MORTGAGORS:        SPILKER, BETTY                                                     
                                            ADDRESS     :    5711 TANNER RIDGE AVENUE                                 
  MORTGAGE AMT:       256,000.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91362                                             
  UNPAID BALANCE:    255,795.280            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,724.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100795               MORTGAGORS:        MORDETZKY, DAVID                                                   

                                                   MORDETZKY, MARILYN                                                 
                                            ADDRESS     :    5607 HIGH PEAK PLACE                                     
  MORTGAGE AMT:       300,200.00            CITY               AGOURA HILL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91301                                             
  UNPAID BALANCE:    299,959.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,022.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.81818            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100811               MORTGAGORS:        BLAIR, ROBERT                                                      

                                                   BLAIR, CHERYL                                                      
                                            ADDRESS     :    2175 AVENIDA TORONJA                                     
  MORTGAGE AMT:       334,050.00            CITY               CARLSBAD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92009                                             
  UNPAID BALANCE:    333,500.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,222.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.98731            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080100928               MORTGAGORS:        AGUILAR, RODNEY                                                    

                                                   AGUILAR, ALLISON                                                   
                                            ADDRESS     :    2733 CARINA COURT                                        
  MORTGAGE AMT:       420,000.00            CITY               WALNUT CREE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94598                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,794.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.04289            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080101009               MORTGAGORS:        KRIJESTORAC, SAMMY                                                 

                                                   LIEDTKE, BONNIE                                                    
                                            ADDRESS     :    4218 RHODES AVENUE                                       
  MORTGAGE AMT:       520,000.00            CITY               STUDIO CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   91604                                             
  UNPAID BALANCE:    519,614.080            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,635.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080101058               MORTGAGORS:        BEALL OLAGUE, MARILYN                                              

                                                   HARBOR, ROXANNE                                                    
                                            ADDRESS     :    6 AND 8 CHURCH STREET                                    
  MORTGAGE AMT:       372,000.00            CITY               MOUNTAIN VI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94041                                             
  UNPAID BALANCE:    371,687.470            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,443.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080101082               MORTGAGORS:        CHAO, JEFFREY                                                      

                                                   LIN, CYNTHIA                                                       
                                            ADDRESS     :    10678 PASSERINE WAY                                      
  MORTGAGE AMT:       300,000.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92121                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.17073            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080101157               MORTGAGORS:        GRILL, KATHERINE                                                   

                                                   GREGOIRE, ROLAND                                                   
                                            ADDRESS     :    5216 KELLER RIDGE DRIVE                                  
  MORTGAGE AMT:       333,500.00            CITY               CLAYTON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94517                                             
  UNPAID BALANCE:    333,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,275.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99232            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080101223               MORTGAGORS:        FIELD, MARSHALL                                                    

                                                   FIELD, BARBARA                                                     
                                            ADDRESS     :    1351 BIG PLUM DRIVE                                      
  MORTGAGE AMT:       340,500.00            CITY               SEBASTOPOL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95472                                             
  UNPAID BALANCE:    340,234.380            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,322.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103245               MORTGAGORS:        RILEY, KENNETH                                                     

                                                   RILEY, LINDA                                                       
                                            ADDRESS     :    54 MONSERRAT                                             
  MORTGAGE AMT:       292,000.00            CITY               FOOTHILL RA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92610                                             
  UNPAID BALANCE:    291,748.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,893.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103286               MORTGAGORS:        MIYAGISHIMA, GARY                                                  

                                                   MA, PEIBEI                                                         
                                            ADDRESS     :    10088 ALBEE AVENUE                                       
  MORTGAGE AMT:       245,200.00            CITY               TUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92782                                             
  UNPAID BALANCE:    244,999.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,631.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103302               MORTGAGORS:        LARSON, LYLE                                                       
                                            ADDRESS     :    20032 NE UNION HILL ROAD                                 
  MORTGAGE AMT:       253,000.00            CITY               REDMOND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               WA   98053                                             
  UNPAID BALANCE:    252,812.230            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,769.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.33333            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103336               MORTGAGORS:        LEONARD, STEVE                                                     

                                                   LEONARD, BERNADETTE                                                
                                            ADDRESS     :    815 NILE DRIVE                                           
  MORTGAGE AMT:       160,000.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30022                                             
  UNPAID BALANCE:    160,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,077.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103344               MORTGAGORS:        KENNEDY, CHRISTOPHER                                               

                                                   KENNEDY, ASHLEY                                                    
                                            ADDRESS     :    5520 OXBOROUGH WAY                                       
  MORTGAGE AMT:       164,000.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30005                                             
  UNPAID BALANCE:    164,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,077.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103351               MORTGAGORS:        GROSS, KENNETH                                                     
                                            ADDRESS     :    1925 RIDGE GATE DRIVE                                    
  MORTGAGE AMT:       188,800.00            CITY               CUMMING                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30041                                             
  UNPAID BALANCE:    188,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,287.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103369               MORTGAGORS:        BAER, THOMAS                                                       

                                                   BAER, TRISHA                                                       
                                            ADDRESS     :    38414 NEBO DRIVE                                         
  MORTGAGE AMT:       203,200.00            CITY               FREMONT                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94536                                             
  UNPAID BALANCE:    203,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,369.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103377               MORTGAGORS:        RAINEY, WILLIAM                                                    

                                                   RAINEY, LIBBIE                                                     
                                            ADDRESS     :    718 BRENTWOOD DRIVE                                      
  MORTGAGE AMT:       227,150.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95129                                             
  UNPAID BALANCE:    226,985.600            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,607.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.83000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103385               MORTGAGORS:        LAGANI, LISA                                                       

                                                   COLLINS, KEVIN                                                     
                                            ADDRESS     :    514 239TH AVE SE                                         
  MORTGAGE AMT:       227,190.00            CITY               REDMOND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98053                                             
  UNPAID BALANCE:    227,190.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,492.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103393               MORTGAGORS:        YARBROUGH, IDA                                                     
                                            ADDRESS     :    3685 FAIRWAY BOULEVARD                                   
  MORTGAGE AMT:       231,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90043                                             
  UNPAID BALANCE:    230,823.230            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,595.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103401               MORTGAGORS:        KIMBALL, BRIAN                                                     
                                            ADDRESS     :    3278 HIGHBORNE CIR                                       
  MORTGAGE AMT:       236,000.00            CITY               MARIETTA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               GA   30066                                             
  UNPAID BALANCE:    236,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,629.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103419               MORTGAGORS:        payne, don                                                         

                                                   PAYNE, LORETTA                                                     
                                            ADDRESS     :    22142 S MINT LAKE ROAD                                   
  MORTGAGE AMT:       244,000.00            CITY               BEAVERCREEK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OR   97004                                             
  UNPAID BALANCE:    244,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,643.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103427               MORTGAGORS:        WILSON, JEFFERY                                                    

                                                   WILSON, LINNEA                                                     
                                            ADDRESS     :    15950 SE AMISIGGER ROAD                                  
  MORTGAGE AMT:       247,500.00            CITY               BORING                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               OR   97009                                             
  UNPAID BALANCE:    247,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,625.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 81.15000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103435               MORTGAGORS:        WINSTON, MICHAEL                                                   

                                                   WINSTON, HEIDI                                                     
                                            ADDRESS     :    2500 Kennewick Ave. North                                
  MORTGAGE AMT:       250,000.00            CITY               RENTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               WA   98056                                             
  UNPAID BALANCE:    250,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,726.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.63000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103443               MORTGAGORS:        TYRRELL, R.                                                        

                                                   TYRRELL, DEBRA                                                     
                                            ADDRESS     :    1970 W SWAMP ROAD                                        
  MORTGAGE AMT:       250,000.00            CITY               MILFORD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               PA   18951                                             
  UNPAID BALANCE:    250,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,769.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.62000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103450               MORTGAGORS:        FARWICK, EILEEN                                                    

                                                   FARWICK, DAVID                                                     
                                            ADDRESS     :    516 JENNIFER LANE                                        
  MORTGAGE AMT:       251,750.00            CITY               WINDERMERE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               FL   34786                                             
  UNPAID BALANCE:    251,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,760.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103468               MORTGAGORS:        GUNNELS, VERLIN                                                    

                                                   GUNNELS, LUCINDA                                                   
                                            ADDRESS     :    6011 MEADOW EDGE DRIVE                                   
  MORTGAGE AMT:       251,912.00            CITY               RENO                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NV   89502                                             
  UNPAID BALANCE:    251,912.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,739.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103476               MORTGAGORS:        FRELICK, JEFFREY                                                   

                                                   FRELICK, PATRICIA                                                  
                                            ADDRESS     :    8 SWEETWOOD CIRCLE                                       
  MORTGAGE AMT:       252,000.00            CITY               WESTFORD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01886                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,697.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.54000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103484               MORTGAGORS:        warmkessel, robert                                                 
                                            ADDRESS     :    1606 SE ELLIOTT AVENUE                                   
  MORTGAGE AMT:       252,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               OR   97214                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,655.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103492               MORTGAGORS:        JOSHI, ARVIND                                                      

                                                   JOSHI, MELISSA HARMUTH                                             
                                            ADDRESS     :    2508 CROCKER WAY                                         
  MORTGAGE AMT:       252,000.00            CITY               ANTIOCH                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94509                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,762.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103526               MORTGAGORS:        WRIGHT, PAUL                                                       

                                                   WRIGHT, JANIE                                                      
                                            ADDRESS     :    7480 SHADBURN FERRY ROAD                                 
  MORTGAGE AMT:       253,500.00            CITY               CUMMING                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               GA   30041                                             
  UNPAID BALANCE:    253,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,772.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.43000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103534               MORTGAGORS:        BERGESON, BRUCE                                                    

                                                   BERGESON, LAURA                                                    
                                            ADDRESS     :    949 EAST CEDER BERRY LANE                                
  MORTGAGE AMT:       254,000.00            CITY               PINE VALLEY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               UT   84781                                             
  UNPAID BALANCE:    254,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,754.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.10000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103559               MORTGAGORS:        GORMAN, BRIAN                                                      
                                            ADDRESS     :    8018 10TH AVENUE NORTHWES                                
  MORTGAGE AMT:       255,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98117                                             
  UNPAID BALANCE:    255,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,717.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.70000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103575               MORTGAGORS:        VESH, ANTHONY                                                      
                                            ADDRESS     :    945 SOUTH YACHTSMAN DRIVE                                
  MORTGAGE AMT:       255,200.00            CITY               SANIBEL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               FL   33957                                             
  UNPAID BALANCE:    255,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,719.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103583               MORTGAGORS:        ROSENBERG, DAVID                                                   
                                            ADDRESS     :    1945 39TH STREET, N.W.                                   
  MORTGAGE AMT:       255,200.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               DC   20007                                             
  UNPAID BALANCE:    255,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,740.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103591               MORTGAGORS:        SHALI, SHOBO                                                       
                                            ADDRESS     :    21971 SANDRA STREET                                      
  MORTGAGE AMT:       256,000.00            CITY               LAKE FOREST                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92630                                             
  UNPAID BALANCE:    256,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,768.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103609               MORTGAGORS:        PACE, GREGORY                                                      

                                                   PACE, DONNA                                                        
                                            ADDRESS     :    20801 S WISTERIA ROAD                                    
  MORTGAGE AMT:       257,000.00            CITY               WEST LINN                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               OR   97068                                             
  UNPAID BALANCE:    257,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,709.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 61.19000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103617               MORTGAGORS:        LEITZMANN, MATTHIAS                                                

                                                   LEITZMANN, CLARE                                                   
                                            ADDRESS     :    1 ERIN PLACE                                             
  MORTGAGE AMT:       258,000.00            CITY               SOUTH EASTON                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MA   02375                                             
  UNPAID BALANCE:    258,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,694.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.66000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103625               MORTGAGORS:        MEDINA, LAURA BLANCHARD                                            

                                                   MEDINA, ANTONIO                                                    
                                            ADDRESS     :    802 ARLINGTON STREET                                     
  MORTGAGE AMT:       258,350.00            CITY               HOUSTON                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TX   77007                                             
  UNPAID BALANCE:    258,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,697.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103633               MORTGAGORS:        WHITE, KENNETH                                                     

                                                   WHITE, CATHERINE                                                   
                                            ADDRESS     :    826 WAYNEWOOD BOULEVARD                                  
  MORTGAGE AMT:       258,400.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   22308                                             
  UNPAID BALANCE:    258,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,697.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103641               MORTGAGORS:        NGUYEN, THAI                                                       

                                                   NGUYEN, CAM                                                        
                                            ADDRESS     :    2945 CREEK POINT DRIVE                                   
  MORTGAGE AMT:       258,750.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95133                                             
  UNPAID BALANCE:    258,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,765.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103658               MORTGAGORS:        GALLAGHER, JOSEPH                                                  

                                                   GALLAGHER, JEANETTE                                                
                                            ADDRESS     :    5647 HOWELL COURT                                        
  MORTGAGE AMT:       260,000.00            CITY               ARVADA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80002                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.90000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103666               MORTGAGORS:        SELIGER, KEVIN                                                     

                                                   SELIGER, DENISE                                                    
                                            ADDRESS     :    1148 ROYAL DUBLIN LANE                                   
  MORTGAGE AMT:       260,000.00            CITY               DYER                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IN   46311                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.23000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103674               MORTGAGORS:        HEMRY, TOM                                                         

                                                   HEMRY, HEIDI                                                       
                                            ADDRESS     :    8085 SOUTH CLAYTON CIRCLE                                
  MORTGAGE AMT:       260,000.00            CITY               LITTLETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80122                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,751.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.61000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103682               MORTGAGORS:        NALBANTU, ALEXANDER                                                

                                                   NALBANTU, SILVIA                                                   
                                            ADDRESS     :    5822 172ND STREET SOUTHEA                                
  MORTGAGE AMT:       260,000.00            CITY               BOTHELL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98012                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,729.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103690               MORTGAGORS:        ADAIR, MICHAEL                                                     

                                                   ADAIR, TERESA                                                      
                                            ADDRESS     :    77135 LONDON ROAD                                        
  MORTGAGE AMT:       261,000.00            CITY               COTTAGE GROVE                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OR   97424                                             
  UNPAID BALANCE:    261,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,758.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103716               MORTGAGORS:        RAND, JAMES                                                        

                                                   RAND, SANDRA                                                       
                                            ADDRESS     :    5631 PLUMTREE DRIVE                                      
  MORTGAGE AMT:       261,500.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TX   75252                                             
  UNPAID BALANCE:    261,280.310            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,717.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103724               MORTGAGORS:        BENDER, JOSEPH                                                     

                                                   BENDER, ELISE                                                      
                                            ADDRESS     :    1855 SKI TIME SQUARE #503                                
  MORTGAGE AMT:       263,200.00            CITY               STEAMBOAT SPRINGS                                      
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CO   80487                                             
  UNPAID BALANCE:    263,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,840.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103732               MORTGAGORS:        PACE, NORMAN                                                       
                                            ADDRESS     :    1990 DARTMOUTH AVENUE                                    
  MORTGAGE AMT:       264,000.00            CITY               BOULDER                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80303                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,756.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103740               MORTGAGORS:        KIPP, STEVE                                                        
                                            ADDRESS     :    720 QUEEN ANNE AVENUE NOR                                
  MORTGAGE AMT:       264,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98109                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,756.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103757               MORTGAGORS:        DENHAM, BRADFORD                                                   

                                                   DENHAM, KIMBERLEY                                                  
                                            ADDRESS     :    5366 EAST FOREST PLEASANT                                
  MORTGAGE AMT:       264,000.00            CITY               CAVE CREEK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               AZ   85331                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,823.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103765               MORTGAGORS:        PETERSEN, JEFFREY                                                  

                                                   PETERSEN, STEPHANIE                                                
                                            ADDRESS     :    51 WITT ROAD                                             
  MORTGAGE AMT:       264,000.00            CITY               SOUTH BARRINGTON                                       
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               IL   60010                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,845.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103773               MORTGAGORS:        WOODBREY, BARRY                                                    

                                                   WOODBREY, KATHLEEN                                                 
                                            ADDRESS     :    2504 SOMERSET DRIVE                                      
  MORTGAGE AMT:       264,000.00            CITY               JEFFERSONTON                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22724                                             
  UNPAID BALANCE:    264,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,800.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 84.89000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103781               MORTGAGORS:        YOUNG, WILLIAM                                                     

                                                   YOUNG, KATERI                                                      
                                            ADDRESS     :    5123 N 26TH STREET                                       
  MORTGAGE AMT:       264,400.00            CITY               ARLINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               VA   22207                                             
  UNPAID BALANCE:    264,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,692.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103799               MORTGAGORS:        tolson, david                                                      

                                                   tolson, kristin                                                    
                                            ADDRESS     :    3310 KLONDIKE PLACE                                      
  MORTGAGE AMT:       265,000.00            CITY               CASTLE ROCK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80104                                             
  UNPAID BALANCE:    265,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,763.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.86000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103807               MORTGAGORS:        RUCH, CARL                                                         

                                                   RUCH, LINDA                                                        
                                            ADDRESS     :    4010 CHEYENNE DRIVE                                      
  MORTGAGE AMT:       265,000.00            CITY               LARKSPUR                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CO   80118                                             
  UNPAID BALANCE:    264,803.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,852.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.02000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103815               MORTGAGORS:        STRICKLAND, HERMAN                                                 

                                                   STRICKLAND, RHONDA                                                 
                                            ADDRESS     :    9804 WOODLAND RUN LN.                                    
  MORTGAGE AMT:       265,500.00            CITY               CORDOVA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TN   38018                                             
  UNPAID BALANCE:    265,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,744.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103823               MORTGAGORS:        LANGFIELD, ROBERT                                                  

                                                   LANGFIELD, DE LOIS                                                 
                                            ADDRESS     :    16026 BAYBERRY LANE                                      
  MORTGAGE AMT:       265,500.00            CITY               SAN LORENZO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94580                                             
  UNPAID BALANCE:    265,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,856.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103831               MORTGAGORS:        BUCHELT, WILLIAM                                                   

                                                   BUCHELT, NICOLE                                                    
                                            ADDRESS     :    1924 CLYDE DRIVE                                         
  MORTGAGE AMT:       266,800.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60540                                             
  UNPAID BALANCE:    266,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,775.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.11000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103849               MORTGAGORS:        SAICHUR, SUSHADA                                                   
                                            ADDRESS     :    1136 BASIL ROAD                                          
  MORTGAGE AMT:       267,000.00            CITY               MCLEAN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               VA   22101                                             
  UNPAID BALANCE:    267,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,866.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103864               MORTGAGORS:        ROACHE, DANIEL                                                     

                                                   JOHNSON, NANCY                                                     
                                            ADDRESS     :    65 PROSPECT STREET                                       
  MORTGAGE AMT:       268,000.00            CITY               CARLISLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01741                                             
  UNPAID BALANCE:    268,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,805.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.91000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103872               MORTGAGORS:        turner, landix                                                     

                                                   turner, esther                                                     
                                            ADDRESS     :    18106 EAST ALAMO DRIVE                                   
  MORTGAGE AMT:       268,000.00            CITY               AURORA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CO   80015                                             
  UNPAID BALANCE:    268,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,760.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103880               MORTGAGORS:        NICHOLLS, MICHAEL                                                  

                                                   DAVIS, MARDI                                                       
                                            ADDRESS     :    647 SE ANDOVER PLACE                                     
  MORTGAGE AMT:       268,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               OR   97202                                             
  UNPAID BALANCE:    268,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,783.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103898               MORTGAGORS:        LIU, ANDY                                                          
                                            ADDRESS     :    18960 NW CORNELL ROAD                                    
  MORTGAGE AMT:       268,000.00            CITY               HILLSBORO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               OR   97124                                             
  UNPAID BALANCE:    268,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,851.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103906               MORTGAGORS:        MWASLIEN, DORIS                                                    
                                            ADDRESS     :    250 WINDING HOLLOW LANE                                  
  MORTGAGE AMT:       268,000.00            CITY               COPPELL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               TX   75019                                             
  UNPAID BALANCE:    268,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,851.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103914               MORTGAGORS:        HERRING, ANTHONY                                                   
                                            ADDRESS     :    4221 BRETDALE RUN                                        
  MORTGAGE AMT:       268,800.00            CITY               KENNESAW                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30152                                             
  UNPAID BALANCE:    268,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,833.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103930               MORTGAGORS:        SAMUEL, RODERIC                                                    

                                                   SAMUEL, PREMILA                                                    
                                            ADDRESS     :    9506 CLAYCHIN COURT                                      
  MORTGAGE AMT:       270,000.00            CITY               BURKE                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22015                                             
  UNPAID BALANCE:    270,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,841.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 83.08000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103948               MORTGAGORS:        NUGENT, MARK                                                       
                                            ADDRESS     :    3448 BARRISTERS KEEPE CIR                                
  MORTGAGE AMT:       270,800.00            CITY               FAIRFAX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22031                                             
  UNPAID BALANCE:    270,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,847.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103955               MORTGAGORS:        DEAN, STEVEN                                                       

                                                   DEAN, KATHERINE                                                    
                                            ADDRESS     :    3846 EAST TALOWA STREET                                  
  MORTGAGE AMT:       272,000.00            CITY               PHOENIX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               AZ   85044                                             
  UNPAID BALANCE:    272,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,786.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.56000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103963               MORTGAGORS:        CANNON, DWIGHT                                                     

                                                   CANNON, DIANA                                                      
                                            ADDRESS     :    14485 SW PEACHTREE DRIVE                                 
  MORTGAGE AMT:       272,000.00            CITY               TIGARD                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               OR   97224                                             
  UNPAID BALANCE:    272,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,786.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103971               MORTGAGORS:        VESSELLA, EILEEN                                                   
                                            ADDRESS     :    1546 WINCHESTER AVENUE                                   
  MORTGAGE AMT:       272,000.00            CITY               GLENDALE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91201                                             
  UNPAID BALANCE:    272,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,855.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103989               MORTGAGORS:        KIRBY, RICHARD                                                     

                                                   HOLCOMB, HEIDI                                                     
                                            ADDRESS     :    601 CATESBY COURT, S.W.                                  
  MORTGAGE AMT:       273,600.00            CITY               LEESBURG                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   20175                                             
  UNPAID BALANCE:    273,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,866.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080103997               MORTGAGORS:        PESCIOTTA, ERIC                                                    

                                                   PESCIOTTA, ANNE                                                    
                                            ADDRESS     :    15 CHADWICK ROAD                                         
  MORTGAGE AMT:       273,750.00            CITY               ENGLISHTOWN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07726                                             
  UNPAID BALANCE:    273,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,821.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.08000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104003               MORTGAGORS:        FRANZONI, LAWRENCE                                                 

                                                   FRANZONI, ANGELINA                                                 
                                            ADDRESS     :    26880 TABLE MEADOW ROAD                                  
  MORTGAGE AMT:       273,750.00            CITY               AUBURN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95602                                             
  UNPAID BALANCE:    273,541.700            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,890.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104011               MORTGAGORS:        EBERHARDT, FRANK                                                   

                                                   EBERHARDT, CAROLINE                                                
                                            ADDRESS     :    5931 INNISVALE DRIVE                                     
  MORTGAGE AMT:       274,400.00            CITY               FAIRFAX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   22039                                             
  UNPAID BALANCE:    274,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,802.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104029               MORTGAGORS:        LIEBER, KATHERINE                                                  

                                                   MATHESON, MONIQUE                                                  
                                            ADDRESS     :    2133 NE 21ST AVENUE                                      
  MORTGAGE AMT:       275,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               OR   97212                                             
  UNPAID BALANCE:    275,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,806.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.50000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104037               MORTGAGORS:        QUIST, KRIS                                                        

                                                   BORGMAN, ANDREA                                                    
                                            ADDRESS     :    2060 PRESCOTT AVENUE                                     
  MORTGAGE AMT:       275,000.00            CITY               MONTEREY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   93940                                             
  UNPAID BALANCE:    274,763.240            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,783.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.33000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104045               MORTGAGORS:        robless, robert                                                    

                                                   ROBLESS, BARBARA                                                   
                                            ADDRESS     :    611 WEST CAMPBELL COURT                                  
  MORTGAGE AMT:       275,000.00            CITY               ARLINGTON HEIGHTS                                      
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60005                                             
  UNPAID BALANCE:    275,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,875.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104052               MORTGAGORS:        BUSH, LORI                                                         
                                            ADDRESS     :    4247 LIVELY LANE                                         
  MORTGAGE AMT:       275,500.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               TX   75220                                             
  UNPAID BALANCE:    275,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,832.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104060               MORTGAGORS:        MILHORN, JAMES                                                     

                                                   MILHORN, BARBARA                                                   
                                            ADDRESS     :    11527 EAST CHAMA ROAD                                    
  MORTGAGE AMT:       276,000.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AZ   85255                                             
  UNPAID BALANCE:    276,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,836.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.77000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104078               MORTGAGORS:        SZE, WALTER                                                        
                                            ADDRESS     :    20439 KIRKMONT DRIVE                                     
  MORTGAGE AMT:       276,000.00            CITY               SARATOGA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95070                                             
  UNPAID BALANCE:    276,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,813.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104086               MORTGAGORS:        RIELEY, ERIN                                                       
                                            ADDRESS     :    2323 11TH AVENUE EAST                                    
  MORTGAGE AMT:       276,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98102                                             
  UNPAID BALANCE:    276,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,836.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104094               MORTGAGORS:        PERRY, STEPHEN PRESTON                                             

                                                   ORR, RONALD HUSTON                                                 
                                            ADDRESS     :    1838 DELOZ AVENUE                                        
  MORTGAGE AMT:       276,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90027                                             
  UNPAID BALANCE:    276,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,882.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104102               MORTGAGORS:        DORKAN, MURAT                                                      

                                                   BRAFMANN-DORKAN, JULIE                                             
                                            ADDRESS     :    646 OAK FARM COURT                                       
  MORTGAGE AMT:       276,500.00            CITY               TIMONIUM                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21093                                             
  UNPAID BALANCE:    276,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,886.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.76000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104110               MORTGAGORS:        HALPERN-GIVENS, ROBERT                                             

                                                   HALPERN-GIVENS, LINDSEY                                            
                                            ADDRESS     :    3001 SUTTON WOODS COURT                                  
  MORTGAGE AMT:       276,800.00            CITY               CRYSTAL LAKE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60012                                             
  UNPAID BALANCE:    276,780.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,841.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104136               MORTGAGORS:        LETHBRIDGE, MOIRA                                                  

                                                   LETHBRIDGE, STEPHEN                                                
                                            ADDRESS     :    2418 LANCASTER COURT                                     
  MORTGAGE AMT:       277,600.00            CITY               FALLS CHURCH                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22043                                             
  UNPAID BALANCE:    277,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,846.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104144               MORTGAGORS:        GUESS, LAURETTE M                                                  
                                            ADDRESS     :    4228 GILBERT AVENUE                                      
  MORTGAGE AMT:       278,800.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               TX   75219                                             
  UNPAID BALANCE:    278,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,808.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104151               MORTGAGORS:        KIRBY, KIT                                                         

                                                   KIRBY, PATRICE                                                     
                                            ADDRESS     :    5479 DIRK CIRCLE                                         
  MORTGAGE AMT:       279,900.00            CITY               LA PALMA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   90623                                             
  UNPAID BALANCE:    279,659.010            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,815.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104169               MORTGAGORS:        COOK, MAURICE                                                      

                                                   COOK, SUSANNE                                                      
                                            ADDRESS     :    6443 ALISAL STREET                                       
  MORTGAGE AMT:       280,000.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94566                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,957.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104177               MORTGAGORS:        BAWCOM, RICK                                                       

                                                   BAWCOM, DONNA                                                      
                                            ADDRESS     :    12192 WATERSONG LANE                                     
  MORTGAGE AMT:       280,000.00            CITY               WILTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95693                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,839.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.27000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104185               MORTGAGORS:        SABAGH, MAYSEM                                                     
                                            ADDRESS     :    5967 FAIRVIEW WOODS DRIVE                                
  MORTGAGE AMT:       280,000.00            CITY               FAIRFAX STATION                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22039                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,910.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.27000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104193               MORTGAGORS:        FEEHAN, THOMAS                                                     

                                                   FEEHAN, MARYLOU                                                    
                                            ADDRESS     :    10604 ORCHARD STREET                                     
  MORTGAGE AMT:       280,000.00            CITY               FAIRFAX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   22030                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,839.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.27000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104201               MORTGAGORS:        GREENWOOD, ERIC                                                    

                                                   GREENWOOD, JUDY                                                    
                                            ADDRESS     :    18869 CORDATA STREET                                     
  MORTGAGE AMT:       280,000.00            CITY               FOUNTAIN VALLEY                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92708                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,910.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104219               MORTGAGORS:        WEICK, MATTHEW                                                     

                                                   WEICK, KIMBERLY                                                    
                                            ADDRESS     :    2125 WILBANKS CIRCLE                                     
  MORTGAGE AMT:       280,100.00            CITY               HENDERSON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NV   89012                                             
  UNPAID BALANCE:    280,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,910.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.78000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104235               MORTGAGORS:        BENINE, RYAN                                                       

                                                   ZARLENGO, ANN                                                      
                                            ADDRESS     :    3208 SOUTH DALLAS COURT                                  
  MORTGAGE AMT:       281,000.00            CITY               DENVER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CO   80210                                             
  UNPAID BALANCE:    280,763.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,845.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.84000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104243               MORTGAGORS:        SNEDEKER, MICHAEL                                                  

                                                   SHORT, LISA                                                        
                                            ADDRESS     :    2119 SE LARCH AVENUE                                     
  MORTGAGE AMT:       281,600.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OR   97214                                             
  UNPAID BALANCE:    281,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,897.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104250               MORTGAGORS:        FERGUSON, PHILLIP                                                  

                                                   FERGUSON, BEVERLY                                                  
                                            ADDRESS     :    9206 CROSS OAK COURT                                     
  MORTGAGE AMT:       282,000.00            CITY               FAIRFAX STATION                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               VA   22039                                             
  UNPAID BALANCE:    282,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,947.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.52000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104276               MORTGAGORS:        BUTTITA, MICHAEL                                                   

                                                   BUTTITA, DIANE                                                     
                                            ADDRESS     :    572 EAST DELGADO DRIVE                                   
  MORTGAGE AMT:       283,200.00            CITY               PALATINE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60067                                             
  UNPAID BALANCE:    283,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,907.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.77000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104284               MORTGAGORS:        BELCASTRO, HELEN                                                   
                                            ADDRESS     :    1407 MONTE DIABLO AVENUE                                 
  MORTGAGE AMT:       283,200.00            CITY               SAN MATEO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94401                                             
  UNPAID BALANCE:    282,979.070            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,931.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104292               MORTGAGORS:        JOHNS, DANIEL                                                      

                                                   JOHNS, JANET                                                       
                                            ADDRESS     :    32 BEVERLY DRIVE                                         
  MORTGAGE AMT:       283,300.00            CITY               AVON                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CT   06001                                             
  UNPAID BALANCE:    283,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,932.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104300               MORTGAGORS:        SCHIMMEL, NORMAN                                                   

                                                   SCHIMMEL, DEBORAH                                                  
                                            ADDRESS     :    5 HERITAGE WAY                                           
  MORTGAGE AMT:       284,000.00            CITY               EXETER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NH   03833                                             
  UNPAID BALANCE:    284,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,913.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104318               MORTGAGORS:        CIAMBRIELLO, DAWN                                                  
                                            ADDRESS     :    38 CANFIELD DRIVE                                        
  MORTGAGE AMT:       285,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CT   06484                                             
  UNPAID BALANCE:    285,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,896.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.03000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104326               MORTGAGORS:        GILLGRASS, BRYAN GEORGE                                            

                                                   GILLGRASS, CARY SUE                                                
                                            ADDRESS     :    9420 LAGUNA CREEK DRIVE                                  
  MORTGAGE AMT:       286,000.00            CITY               ELK GROVE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95624                                             
  UNPAID BALANCE:    286,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,902.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.38000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104334               MORTGAGORS:        SCHUTZ, THOMAS                                                     

                                                   WOODMANSEE, SUSAN                                                  
                                            ADDRESS     :    640 ROBINSON WAY                                         
  MORTGAGE AMT:       286,350.00            CITY               BENICIA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94510                                             
  UNPAID BALANCE:    286,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,929.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104359               MORTGAGORS:        CHEYNEY, MARY                                                      
                                            ADDRESS     :    104 BAHAMA COURT                                         
  MORTGAGE AMT:       368,000.00            CITY               SAN RAMON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94583                                             
  UNPAID BALANCE:    368,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,510.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104367               MORTGAGORS:        JELCICK, THOMAS WADE                                               

                                                   JELCICK, DEBRA ANN                                                 
                                            ADDRESS     :    8046 HUNT CLUB LANE                                      
  MORTGAGE AMT:       288,000.00            CITY               HANSVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98340                                             
  UNPAID BALANCE:    288,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,940.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104375               MORTGAGORS:        HANSON, HENRY                                                      

                                                   SHONE, SUSAN                                                       
                                            ADDRESS     :    2921 EAST VIKING ROAD                                    
  MORTGAGE AMT:       289,600.00            CITY               LAS VEGAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NV   89121                                             
  UNPAID BALANCE:    289,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,926.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.34000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104383               MORTGAGORS:        KOTOSKE, THOMAS                                                    

                                                   KOTOSKE, KAREN                                                     
                                            ADDRESS     :    1657 EDGEWOOD DRIVE                                      
  MORTGAGE AMT:       290,000.00            CITY               PALO ALTO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   94303                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,052.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 46.77000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104391               MORTGAGORS:        OBADIAH, RICHARD                                                   

                                                   OBADIAH, PATRICIA                                                  
                                            ADDRESS     :    151 TREMONT STREET UNIT 2                                
  MORTGAGE AMT:       290,000.00            CITY               BOSTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02111                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,953.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.60000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104417               MORTGAGORS:        GOOTEE, RICHARD                                                    

                                                   GOOTEE, ELIZABETH                                                  
                                            ADDRESS     :    9960 VILLAGE CENTER DRIVE                                
  MORTGAGE AMT:       290,000.00            CITY               GRANITE BAY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95746                                             
  UNPAID BALANCE:    290,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,953.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.96000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104433               MORTGAGORS:        HEROLD, LES                                                        

                                                   HEROLD, MICHELLE                                                   
                                            ADDRESS     :    1127 HOLLINGSWOOD AVENUE                                 
  MORTGAGE AMT:       292,000.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               IL   60564                                             
  UNPAID BALANCE:    292,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,918.23            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 87.95000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104441               MORTGAGORS:        SILVA, DAVID                                                       

                                                   SILVA, M                                                           
                                            ADDRESS     :    4572 PINE VALLEY CIRCLE                                  
  MORTGAGE AMT:       292,500.00            CITY               STOCKTON                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95219                                             
  UNPAID BALANCE:    292,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,946.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104458               MORTGAGORS:        PERCY, BRIAN                                                       

                                                   PERCY, CHRISTIE                                                    
                                            ADDRESS     :    46420 SOUTHEAST EDGEWICK                                 
  MORTGAGE AMT:       294,400.00            CITY               NORTH BEND                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98045                                             
  UNPAID BALANCE:    294,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,958.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104466               MORTGAGORS:        DILELIO, DAVID                                                     
                                            ADDRESS     :    5672 WOODROSE WAY                                        
  MORTGAGE AMT:       294,400.00            CITY               LIVERMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94550                                             
  UNPAID BALANCE:    294,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,958.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104474               MORTGAGORS:        MOYER, TAWNY                                                       
                                            ADDRESS     :    8414 KIRKWOOD DRIVE                                      
  MORTGAGE AMT:       294,800.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90046                                             
  UNPAID BALANCE:    294,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,011.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.61000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104482               MORTGAGORS:        KAULIUS, JOHN                                                      

                                                   KAULIUS, MARY                                                      
                                            ADDRESS     :    502 HARLEQUIN LANE                                       
  MORTGAGE AMT:       294,850.00            CITY               SEVERNA PARK                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.88000                               MD   21146                                             
  UNPAID BALANCE:    294,850.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,937.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.88000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104508               MORTGAGORS:        CARLIN, FRANCIS                                                    

                                                   CARLIN, ANNA                                                       
                                            ADDRESS     :    3 HIGHFIELD COURT                                        
  MORTGAGE AMT:       296,000.00            CITY               COCKEYSVILLE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21030                                             
  UNPAID BALANCE:    296,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,019.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104516               MORTGAGORS:        EARLEY, MICHAEL                                                    

                                                   EARLEY, CATHRYN                                                    
                                            ADDRESS     :    1459 WEST WARNER AVENUE                                  
  MORTGAGE AMT:       297,000.00            CITY               CHICAGO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               IL   60613                                             
  UNPAID BALANCE:    295,269.940            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,026.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 42.43000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104532               MORTGAGORS:        FOUTZ, CHERYL                                                      

                                                   FOUTZ, STEVEN                                                      
                                            ADDRESS     :    1565 WESTOVER LOOP                                       
  MORTGAGE AMT:       297,350.00            CITY               HEATHROW                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               FL   32746                                             
  UNPAID BALANCE:    297,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,028.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104540               MORTGAGORS:        CAREY, STEVEN                                                      

                                                   CAREY, KAZUKO                                                      
                                            ADDRESS     :    13024 SW BROADMOOR PLACE                                 
  MORTGAGE AMT:       298,000.00            CITY               TIGARD                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               OR   97223                                             
  UNPAID BALANCE:    298,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,957.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.58000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104557               MORTGAGORS:        ESTOESTA, ARTURO                                                   

                                                   ESTOESTA, MARCELINA                                                
                                            ADDRESS     :    1750 FANWOOD COURT                                       
  MORTGAGE AMT:       298,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95133                                             
  UNPAID BALANCE:    298,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,032.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.42000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104565               MORTGAGORS:        LEVACO, RONALD                                                     

                                                   LEVACO, ROZLYN LASH                                                
                                            ADDRESS     :    7777 MILL CREEK ROAD                                     
  MORTGAGE AMT:       300,000.00            CITY               HEALDSBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95448                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.60000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104573               MORTGAGORS:        RYAN, SEAN                                                         

                                                   RYAN, LINDSAY                                                      
                                            ADDRESS     :    1915 FALMOUTH DRIVE                                      
  MORTGAGE AMT:       300,000.00            CITY               GREENSBORO                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   27410                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 58.82000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104581               MORTGAGORS:        SCHOEFFEL, BARBARA                                                 

                                                   SWERINGEN, JILL                                                    
                                            ADDRESS     :    43 GAVIOTA WAY                                           
  MORTGAGE AMT:       300,000.00            CITY               SAN FRANCISCO                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94127                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.17000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104607               MORTGAGORS:        BOND, JAMES                                                        

                                                   BOND, BRENDA                                                       
                                            ADDRESS     :    5095 PARKRIDGE COURT                                     
  MORTGAGE AMT:       300,000.00            CITY               OVIEDO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               FL   32765                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,896.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.97000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104615               MORTGAGORS:        AMBLER, EDWARD CAREY                                               

                                                   AMBLER, LAURA                                                      
                                            ADDRESS     :    27603 PARKWAY ROAD                                       
  MORTGAGE AMT:       300,000.00            CITY               EASTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21601                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104623               MORTGAGORS:        THAGARD, LEONARD                                                   

                                                   THAGARD, DONNA                                                     
                                            ADDRESS     :    4201 BERRY D. SIMS WYND                                  
  MORTGAGE AMT:       300,000.00            CITY               RALEIGH                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   27612                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.98000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104631               MORTGAGORS:        BISHEL, DONALD                                                     

                                                   BISHEL, SLOAN                                                      
                                            ADDRESS     :    9728 THUNDERBIRD DRIVE                                   
  MORTGAGE AMT:       300,000.00            CITY               SAN RAMON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94583                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104656               MORTGAGORS:        GOLDSTEIN, RICHARD                                                 

                                                   PERRIZO, ROSE                                                      
                                            ADDRESS     :    99 GLENDALE ROAD                                         
  MORTGAGE AMT:       300,000.00            CITY               SHARON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MA   02067                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.95000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104664               MORTGAGORS:        FERRUGGIARO, ALFRED                                                

                                                   BONNER-FERRUGGIARO, EILEEN                                         
                                            ADDRESS     :    3201 BELLE COTE DRIVE                                    
  MORTGAGE AMT:       300,000.00            CITY               BURTONSVILLE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               MD   20866                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,097.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.95000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104672               MORTGAGORS:        CAO, KHANH                                                         

                                                   HUYNH, MAI\                                                        
ADDRESS     :    9458 WOODED GLEN AVENUE                                                                              
  MORTGAGE AMT:       300,000.00            CITY               BURKE                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22015                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.16000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104680               MORTGAGORS:        BENNAGE, MICHAEL E                                                 

                                                   BENNAGE, JANE C                                                    
                                            ADDRESS     :    306 COUNTRY CLUB ROAD                                    
  MORTGAGE AMT:       300,000.00            CITY               WEST MEMPHIS                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AR   72301                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104698               MORTGAGORS:        SCHWAI, BRADLEY                                                    

                                                   SCHWAI, DANA                                                       
                                            ADDRESS     :    580 PLEASANT                                             
  MORTGAGE AMT:       300,000.00            CITY               HIGHLAND PARK                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60035                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.55000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104714               MORTGAGORS:        DUARTE, CARLOS                                                     

                                                   DUARTE, GLORIA                                                     
                                            ADDRESS     :    9086 CALADIUM AVENUE                                     
  MORTGAGE AMT:       304,000.00            CITY               FOUNTAIN VALLEY                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92708                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,125.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.96000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104722               MORTGAGORS:        AUGENSTEIN, CHRIS                                                  

                                                   AUGENSTEIN, RENEE                                                  
                                            ADDRESS     :    980 WHISPERING PINES DRIV                                
  MORTGAGE AMT:       304,000.00            CITY               SCOTTS VALLEY                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95066                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,022.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104748               MORTGAGORS:        DUNLAP, MICHAELE                                                   
                                            ADDRESS     :    17750 LEAFY LANE                                         
  MORTGAGE AMT:       305,000.00            CITY               LAKE OSWEGO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OR   97034                                             
  UNPAID BALANCE:    305,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,054.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.49000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104755               MORTGAGORS:        GEORGE, CHARLES                                                    

                                                   GEORGE, ROBIN                                                      
                                            ADDRESS     :    10 WHITE ALDER                                           
  MORTGAGE AMT:       305,550.00            CITY               LITTLETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80127                                             
  UNPAID BALANCE:    305,299.530            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,032.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104789               MORTGAGORS:        SWEETIN, GREGORY                                                   

                                                   SWEETIN, KELLY                                                     
                                            ADDRESS     :    6675 RIVERSIDE DRIVE NW                                  
  MORTGAGE AMT:       307,500.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30328                                             
  UNPAID BALANCE:    307,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,045.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.85000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104797               MORTGAGORS:        DEFABRITUS, RICHARD                                                

                                                   DEFABRITUS, YVETTE                                                 
                                            ADDRESS     :    6 ENGLISH PATH                                           
  MORTGAGE AMT:       310,000.00            CITY               FREEHOLD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07728                                             
  UNPAID BALANCE:    310,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,114.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 81.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104805               MORTGAGORS:        RINGEL, MARCIA                                                     
                                            ADDRESS     :    885 COLD HARBOR DRIVE                                    
  MORTGAGE AMT:       310,400.00            CITY               ROSWELL                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30075                                             
  UNPAID BALANCE:    310,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,065.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104813               MORTGAGORS:        BUSER, JOSEPH                                                      

                                                   BUSER, TERESA                                                      
                                            ADDRESS     :    13645 SMOKEY RIDGE PLACE                                 
  MORTGAGE AMT:       311,900.00            CITY               CARMEL                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               IN   46033                                             
  UNPAID BALANCE:    311,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,048.96            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104821               MORTGAGORS:        CHRISTAKIS, DIMITRI                                                

                                                   ZERR, DANIELLE                                                     
                                            ADDRESS     :    6218 51ST AVENUE NORTHEAS                                
  MORTGAGE AMT:       312,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98115                                             
  UNPAID BALANCE:    312,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,102.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.91000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104839               MORTGAGORS:        RAFIGH, MOHAMMAD ALI                                               
                                            ADDRESS     :    984 REDBERRY LANE                                        
  MORTGAGE AMT:       312,000.00            CITY               GREAT FALLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               VA   22066                                             
  UNPAID BALANCE:    312,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,208.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104847               MORTGAGORS:        ERDMAN, JEFFREY                                                    

                                                   ERDMAN, MARY                                                       
                                            ADDRESS     :    11933 SE MASA LANE                                       
  MORTGAGE AMT:       313,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OR   97236                                             
  UNPAID BALANCE:    313,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,108.74            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.53000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104854               MORTGAGORS:        BRIGGS, ROGER                                                      

                                                   BRIGGS, E                                                          
                                            ADDRESS     :    248 PLEASANT AVENUE                                      
  MORTGAGE AMT:       315,000.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95403                                             
  UNPAID BALANCE:    315,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,069.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.43000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104862               MORTGAGORS:        SEAL, ROBERT                                                       
                                            ADDRESS     :    1845 CRYSTAL SPRINGS LANE                                
  MORTGAGE AMT:       315,000.00            CITY               FAIRFIELD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IA   52556                                             
  UNPAID BALANCE:    315,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,095.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104870               MORTGAGORS:        BROWNE, MARK                                                       

                                                   BROWNE, DIANA NALL                                                 
                                            ADDRESS     :    2073 NORTH CATALINA STREE                                
  MORTGAGE AMT:       316,200.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90027                                             
  UNPAID BALANCE:    316,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,103.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.40000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104888               MORTGAGORS:        RYLL, RONALD                                                       
                                            ADDRESS     :    1016 LENOX CREST                                         
  MORTGAGE AMT:       319,200.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30324                                             
  UNPAID BALANCE:    319,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,123.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.80000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104896               MORTGAGORS:        DIEHL, FRED                                                        

                                                   DIEHL, L                                                           
                                            ADDRESS     :    16125 446TH AVENUE S.E.                                  
  MORTGAGE AMT:       319,900.00            CITY               NORTH BEND                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98045                                             
  UNPAID BALANCE:    319,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,182.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104904               MORTGAGORS:        KENT, DAVID                                                        

                                                   KENT, BRENDA                                                       
                                            ADDRESS     :    2617 SIERRA DEL LEON                                     
  MORTGAGE AMT:       320,000.00            CITY               CORONA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91720                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,102.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.37000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104912               MORTGAGORS:        FELDMAN, RICHARD                                                   

                                                   FELDMAN, DENISE                                                    
                                            ADDRESS     :    636 BROWN STREET                                         
  MORTGAGE AMT:       336,000.00            CITY               HEALDSBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95448                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,292.12            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104920               MORTGAGORS:        YOSCAK,, JOHN                                                      

                                                   YOSCAK, HELEN                                                      
                                            ADDRESS     :    21004 GOLF ESTATES DRIVE                                 
  MORTGAGE AMT:       320,000.00            CITY               LAYTONSVILLE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   20882                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.11000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104938               MORTGAGORS:        TURNER,, JAMES                                                     

                                                   TURNER, MICHELLE                                                   
                                            ADDRESS     :    5571 SAN JOSE DRIVE                                      
  MORTGAGE AMT:       320,000.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94566                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,128.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104953               MORTGAGORS:        LAWSON, DAVID                                                      

                                                   LAWSON, VOLA                                                       
                                            ADDRESS     :    1111 BAYLISS DRIVE                                       
  MORTGAGE AMT:       320,000.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               VA   22302                                             
  UNPAID BALANCE:    320,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,264.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104979               MORTGAGORS:        CONTRERAS, DOUGLAS                                                 

                                                   CONTRERAS, JOANNE                                                  
                                            ADDRESS     :    249 SMULL AVENUE                                         
  MORTGAGE AMT:       323,000.00            CITY               NORTH CALDWELL                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07006                                             
  UNPAID BALANCE:    323,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,504.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.12000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/19                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104987               MORTGAGORS:        HOYT, JAMES                                                        

                                                   HOYT, BARBARA                                                      
                                            ADDRESS     :    19720 POLEHN DRIVE                                       
  MORTGAGE AMT:       324,000.00            CITY               OREGON CITY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               OR   97045                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,237.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.80000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080104995               MORTGAGORS:        MCDONALD, DENISE                                                   
                                            ADDRESS     :    660 OAK BRIDGE TRAIL                                     
  MORTGAGE AMT:       324,000.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30022                                             
  UNPAID BALANCE:    324,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,155.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105000               MORTGAGORS:        QUILLMAN, BARD                                                     

                                                   QUILLMAN, NANCY J                                                  
                                            ADDRESS     :    201 WATERBURY CIRCLE                                     
  MORTGAGE AMT:       325,000.00            CITY               FRANKLIN                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TN   37064                                             
  UNPAID BALANCE:    325,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,135.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.09000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105034               MORTGAGORS:        LEE, STEPHEN                                                       

                                                   LEE, MARY JO                                                       
                                            ADDRESS     :    1820 STEPSTONE COURT                                     
  MORTGAGE AMT:       327,520.00            CITY               LAWRENCEVILLE                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30043                                             
  UNPAID BALANCE:    327,520.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,206.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105042               MORTGAGORS:        DELAPERRIERE, DARREN                                               

                                                   DELAPERRIERE, KELLEY                                               
                                            ADDRESS     :    15785 WESTBROOK ROAD                                     
  MORTGAGE AMT:       330,000.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30004                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,195.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 44.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105067               MORTGAGORS:        JONES, ROBIN LEE                                                   

                                                   ALEXANDER JONES, STEPHANIE                                         
                                            ADDRESS     :    21415 MANOR VIEW CIRCLE                                  
  MORTGAGE AMT:       331,500.00            CITY               GERMANTOWN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   20876                                             
  UNPAID BALANCE:    331,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,261.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.59000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105075               MORTGAGORS:        DEARBORN, RYAN                                                     

                                                   DEARBORN, AMANDA                                                   
                                            ADDRESS     :    555 BLACK WATER COVE                                     
  MORTGAGE AMT:       333,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30328                                             
  UNPAID BALANCE:    333,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,215.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105083               MORTGAGORS:        FISHER, SPENCER                                                    

                                                   FISHER, NANCY                                                      
                                            ADDRESS     :    10839 MOORE DRIVE                                        
  MORTGAGE AMT:       334,000.00            CITY               MANASSAS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   20111                                             
  UNPAID BALANCE:    334,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,278.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105091               MORTGAGORS:        ANDREWS, DONALD                                                    

                                                   ANDREWS, CAROL                                                     
                                            ADDRESS     :    475 WHITTER LANE                                         
  MORTGAGE AMT:       334,000.00            CITY               NORTHFIELD                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               IL   60093                                             
  UNPAID BALANCE:    334,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,306.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.91000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105109               MORTGAGORS:        MONTROSE, DOUGLAS                                                  

                                                   MONTROSE, JULIE                                                    
                                            ADDRESS     :    32 WEST 181 WILLOUGHBY                                   
  MORTGAGE AMT:       335,000.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60563                                             
  UNPAID BALANCE:    335,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,228.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105117               MORTGAGORS:        schulman, richard                                                  

                                                   SCHULMAN, SHARON                                                   
                                            ADDRESS     :    2464 PALISADES CREST DRIV                                
  MORTGAGE AMT:       335,000.00            CITY               LAKE OSWEGO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               OR   97034                                             
  UNPAID BALANCE:    335,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,172.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.98000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105125               MORTGAGORS:        KIRK, LOUIS WINFIELD                                               

                                                   KIRK, TRICIA GIFFORD                                               
                                            ADDRESS     :    810 RICHARDSON DRIVE                                     
  MORTGAGE AMT:       336,000.00            CITY               HARWOOD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               MD   20776                                             
  UNPAID BALANCE:    335,710.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,179.29            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105133               MORTGAGORS:        STRZEMP, JOSEPH                                                    

                                                   STRZEMP, MOLLY                                                     
                                            ADDRESS     :    2378 MEADOWLARK DRIVE                                    
  MORTGAGE AMT:       336,000.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94566                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,235.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105141               MORTGAGORS:        EBERLE, RICHARD                                                    

                                                   RIEHL-EBERLE, LOIS                                                 
                                            ADDRESS     :    4720 154TH PLACE SOUTHEAS                                
  MORTGAGE AMT:       336,000.00            CITY               BELLEVUE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               WA   98006                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,349.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105158               MORTGAGORS:        MERTENS, JOHN                                                      

                                                   MERTENS, JOANNE                                                    
                                            ADDRESS     :    8750 ASH HILL COURT                                      
  MORTGAGE AMT:       339,000.00            CITY               ORANGEVALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95662                                             
  UNPAID BALANCE:    339,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,399.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.71000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105182               MORTGAGORS:        GONDA, MARK                                                        

                                                   BIALE-GONDA, KRISTIN                                               
                                            ADDRESS     :    28221 RANCHO GRANDE                                      
  MORTGAGE AMT:       342,300.00            CITY               LAGUNA NIGUEL                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92677                                             
  UNPAID BALANCE:    342,300.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,277.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105190               MORTGAGORS:        MCGILL, HONG                                                       

                                                   MCGILL, MARIA                                                      
                                            ADDRESS     :    13404 HADDONFIELD LANE                                   
  MORTGAGE AMT:       344,000.00            CITY               GAITHERSBURG                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20878                                             
  UNPAID BALANCE:    344,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,288.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.63000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105216               MORTGAGORS:        MENDELSON, AVISHAI                                                 

                                                   MENDELSON, OSNAT                                                   
                                            ADDRESS     :    7689 BOLD LAD ROAD                                       
  MORTGAGE AMT:       344,000.00            CITY               PALM BEACH GARDENS                                     
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               FL   33418                                             
  UNPAID BALANCE:    344,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,346.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105232               MORTGAGORS:        MOORE, RICHARD                                                     

                                                   MOORE, KIMBERLY                                                    
                                            ADDRESS     :    11408 NORTHEAST 97TH STRE                                
  MORTGAGE AMT:       347,000.00            CITY               KIRKLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98033                                             
  UNPAID BALANCE:    347,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,367.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.62000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105240               MORTGAGORS:        KING, THOMAS                                                       

                                                   TOKUNAGA-KING, JULIA                                               
                                            ADDRESS     :    13035C 42ND AVENUE NORTHE                                
  MORTGAGE AMT:       347,500.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               WA   98125                                             
  UNPAID BALANCE:    347,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,341.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.15000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105257               MORTGAGORS:        RAMSEY, JOHN                                                       

                                                   RAMSEY, JERRILYN                                                   
                                            ADDRESS     :    12734 DEVON LANE                                         
  MORTGAGE AMT:       348,000.00            CITY               CARMEL                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IN   46032                                             
  UNPAID BALANCE:    347,714.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,315.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105265               MORTGAGORS:        LASKY, RONALD                                                      

                                                   LASKY, KAREN                                                       
                                            ADDRESS     :    26 HOWE STREET                                           
  MORTGAGE AMT:       348,000.00            CITY               MEDWAY                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MA   02053                                             
  UNPAID BALANCE:    347,615.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,315.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 83.65000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105273               MORTGAGORS:        HINCKLEY, BRADFORD                                                 

                                                   HINCKLEY, SUSAN                                                    
                                            ADDRESS     :    19084 RED HAWK WAY                                       
  MORTGAGE AMT:       348,350.00            CITY               SALINAS                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   93908                                             
  UNPAID BALANCE:    348,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,405.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105281               MORTGAGORS:        SULLIVAN, JOHN                                                     

                                                   SULLIVAN, SALLY                                                    
                                            ADDRESS     :    1076 BOMBAY WAY                                          
  MORTGAGE AMT:       350,000.00            CITY               PALATINE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60067                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,473.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/24                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105307               MORTGAGORS:        DAVIS, MICHAEL                                                     

                                                   DAVIS, SALLY                                                       
                                            ADDRESS     :    2928 VIA ASOLEADO                                        
  MORTGAGE AMT:       350,000.00            CITY               ALPINE AREA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91901                                             
  UNPAID BALANCE:    349,714.590            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,387.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.31000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105315               MORTGAGORS:        HANNAH, DAVID                                                      

                                                   HANNAH, MARTHA                                                     
                                            ADDRESS     :    14245 212TH DRIVE N.E.                                   
  MORTGAGE AMT:       350,000.00            CITY               WOODINVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98072                                             
  UNPAID BALANCE:    349,424.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,328.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.31000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105323               MORTGAGORS:        PAULSON, TERENCE                                                   

                                                   PAULSON, LISA MARIE                                                
                                            ADDRESS     :    19222 JASPER HILL ROAD                                   
  MORTGAGE AMT:       350,000.00            CITY               TRABUCO CANYON                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92679                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,358.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.92000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105331               MORTGAGORS:        GANDHI, ATUL                                                       

                                                   GANDHI, ILA                                                        
                                            ADDRESS     :    827 LOCKWOOD                                             
  MORTGAGE AMT:       350,000.00            CITY               NAPERVILLE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               IL   60563                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,299.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 81.40000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105349               MORTGAGORS:        BITTERS, CHRISTIAN                                                 

                                                   BITTERS, JANINE                                                    
                                            ADDRESS     :    42 SUTTON ROAD                                           
  MORTGAGE AMT:       352,600.00            CITY               TEWKSBURY                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   08833                                             
  UNPAID BALANCE:    352,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,345.86            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.83000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105356               MORTGAGORS:        GIORDANO, RONALD                                                   

                                                   DELLAS-GIORDANO, KIM MARIE                                         
                                            ADDRESS     :    4049 BAYSHORE ROAD                                       
  MORTGAGE AMT:       352,800.00            CITY               CAPE MAY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08204                                             
  UNPAID BALANCE:    352,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,376.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105364               MORTGAGORS:        DROUKAS, CHARLES                                                   

                                                   DROUKAS, MARILYN                                                   
                                            ADDRESS     :    24837 NORTHEAST 3RD PLACE                                
  MORTGAGE AMT:       354,550.00            CITY               REDMOND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98053                                             
  UNPAID BALANCE:    354,550.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,358.83            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105372               MORTGAGORS:        GRANT, GARY                                                        
                                            ADDRESS     :    4215 BITTERNUT TRAIL                                     
  MORTGAGE AMT:       354,800.00            CITY               GREENSBORO                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   27410                                             
  UNPAID BALANCE:    354,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,360.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105380               MORTGAGORS:        STEFFEK, MARK                                                      

                                                   STEFFEK, HEIDI                                                     
                                            ADDRESS     :    1061 TUSCANY PLACE                                       
  MORTGAGE AMT:       355,500.00            CITY               WINTER PARK                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               FL   32789                                             
  UNPAID BALANCE:    355,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.14            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105406               MORTGAGORS:        GENTRY, CHARLES                                                    

                                                   GENTRY, LINDA                                                      
                                            ADDRESS     :    2103 MEADOWBROOK                                         
  MORTGAGE AMT:       356,000.00            CITY               AUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               TX   78703                                             
  UNPAID BALANCE:    356,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,368.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105414               MORTGAGORS:        MAC DONALD, CHRISTOPHER                                            

                                                   MAC DONALD, ANN                                                    
                                            ADDRESS     :    723 NEWPORT CIRCLE                                       
  MORTGAGE AMT:       356,000.00            CITY               REDWOOD CITY                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94065                                             
  UNPAID BALANCE:    356,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,458.80            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105422               MORTGAGORS:        E NOREN, ANNIKA                                                    

                                                   KESSLER, SCOTT                                                     
                                            ADDRESS     :    5 HARVARD DRIVE                                          
  MORTGAGE AMT:       357,000.00            CITY               SUDBURY                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   01776                                             
  UNPAID BALANCE:    357,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,405.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.32000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105430               MORTGAGORS:        WRAY, MICHAEL                                                      

                                                   WRAY, CHARLOTTE                                                    
                                            ADDRESS     :    1223 WEST FLETCHER                                       
  MORTGAGE AMT:       360,000.00            CITY               CHICAGO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60657                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.25000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105448               MORTGAGORS:        CAHN, DAVID                                                        

                                                   RUDOLPH, DEBORAH                                                   
                                            ADDRESS     :    7 STONE CREEK LANE                                       
  MORTGAGE AMT:       360,000.00            CITY               WHITEHOUSE STATION                                     
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               NJ   08889                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,334.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.12000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105455               MORTGAGORS:        HARDING, TY                                                        

                                                   HARDING, NORA                                                      
                                            ADDRESS     :    3640 SHADOW GROVE ROAD                                   
  MORTGAGE AMT:       360,000.00            CITY               PASADENA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91107                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,425.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105463               MORTGAGORS:        CLARK, RICHARD                                                     

                                                   CLARK, CORINA                                                      
                                            ADDRESS     :    1693 HYDE DRIVE                                          
  MORTGAGE AMT:       360,000.00            CITY               CAMPBELL                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95008                                             
  UNPAID BALANCE:    360,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,548.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105489               MORTGAGORS:        SHANNON, SCOTT                                                     

                                                   SHANNON, SUSAN                                                     
                                            ADDRESS     :    3056 HINKLEY DRIVE                                       
  MORTGAGE AMT:       361,900.00            CITY               FORT COLLINS                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80524                                             
  UNPAID BALANCE:    361,900.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,438.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105497               MORTGAGORS:        WILLIAMS, PAUL                                                     

                                                   WILLIAMS, ANGELA                                                   
                                            ADDRESS     :    11111 WINDJAMMER DRIVE                                   
  MORTGAGE AMT:       363,500.00            CITY               FRISCO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TX   75034                                             
  UNPAID BALANCE:    363,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,387.94            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.02000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105513               MORTGAGORS:        TRAN, TRI                                                          

                                                   TRAN, KOOI                                                         
                                            ADDRESS     :    3809 HILLSIDE AVENUE                                     
  MORTGAGE AMT:       366,350.00            CITY               LIVERMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94550                                             
  UNPAID BALANCE:    366,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,561.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105521               MORTGAGORS:        JAFFE, SCOTT                                                       
                                            ADDRESS     :    208 WHITCOMB LANE                                        
  MORTGAGE AMT:       367,200.00            CITY               CARY                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NC   27511                                             
  UNPAID BALANCE:    367,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,442.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105539               MORTGAGORS:        RAU, DAVID                                                         
                                            ADDRESS     :    218 GOODALE ROAD                                         
  MORTGAGE AMT:       368,000.00            CITY               BALTIMORE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21212                                             
  UNPAID BALANCE:    368,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,510.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105547               MORTGAGORS:        FARWELL, JAMES                                                     

                                                   FARWELL, CORI                                                      
                                            ADDRESS     :    105 KRISTIN LANE                                         
  MORTGAGE AMT:       370,000.00            CITY               ORINDA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               CA   94563                                             
  UNPAID BALANCE:    370,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,338.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 55.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105554               MORTGAGORS:        FAIYAZ, UNNISSA                                                    
                                            ADDRESS     :    219 SMOKERISE TRACE                                      
  MORTGAGE AMT:       370,000.00            CITY               PEACHTREE CITY                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30269                                             
  UNPAID BALANCE:    370,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,461.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.03000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105562               MORTGAGORS:        CREEDON, BARTHOLOMEW                                               
                                            ADDRESS     :    105 WELLINGTON AVENUE                                    
  MORTGAGE AMT:       370,000.00            CITY               SHORT HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07078                                             
  UNPAID BALANCE:    370,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,461.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.60000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105588               MORTGAGORS:        WRIGHT, DON                                                        

                                                   WRIGHT, PATRICIA                                                   
                                            ADDRESS     :    615 SOUTH HERON RUN CT.                                  
  MORTGAGE AMT:       371,550.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30004                                             
  UNPAID BALANCE:    371,550.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,471.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105596               MORTGAGORS:        PUTNAM, SHAWN                                                      

                                                   DERR, KATHY                                                        
                                            ADDRESS     :    LOT #31 BOOTJACK DRIVE                                   
  MORTGAGE AMT:       372,000.00            CITY               FREDERICK                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MD   21702                                             
  UNPAID BALANCE:    372,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,569.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.70000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105604               MORTGAGORS:        HAMMER, DAVID                                                      

                                                   HAMMER, LINETTE                                                    
                                            ADDRESS     :    2470 MARK WEST SPRINGS RO                                
  MORTGAGE AMT:       375,000.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   95404                                             
  UNPAID BALANCE:    375,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,463.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 53.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105612               MORTGAGORS:        HILL, TERRIE                                                       
                                            ADDRESS     :    85 VIA SONRISA                                           
  MORTGAGE AMT:       377,250.00            CITY               SAN CLEMENTE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92673                                             
  UNPAID BALANCE:    377,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,478.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.99000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105620               MORTGAGORS:        DONOVAN, MATTHEW                                                   

                                                   DONOVAN, DORIS                                                     
                                            ADDRESS     :    45712 SOUTHEAST 138TH COU                                
  MORTGAGE AMT:       378,000.00            CITY               NORTH BEND                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98045                                             
  UNPAID BALANCE:    378,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,514.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105638               MORTGAGORS:        EPSTEIN, LAURENCE                                                  

                                                   EPSTEIN, ELAINE                                                    
                                            ADDRESS     :    25 TUBWRECK DRIVE                                        
  MORTGAGE AMT:       379,000.00            CITY               MEDFIELD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MA   02052                                             
  UNPAID BALANCE:    379,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,553.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.96000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105646               MORTGAGORS:        GAMPPER, CLOYD JOSEPH                                              

                                                   GAMPPER-LANTZ, MARIJKE                                             
                                            ADDRESS     :    4526 KELSEY ROAD                                         
  MORTGAGE AMT:       380,000.00            CITY               DALLAS                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               TX   75229                                             
  UNPAID BALANCE:    380,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,560.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.33000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105679               MORTGAGORS:        CUNARD, FRANK                                                      

                                                   CUNARD, SHARON                                                     
                                            ADDRESS     :    18885 MOUNT CASTILE CIRCL                                
  MORTGAGE AMT:       380,000.00            CITY               FOUNTAIN VALLEY                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92708                                             
  UNPAID BALANCE:    380,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,528.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.51000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105687               MORTGAGORS:        HAWKINS, KENNETH                                                   

                                                   HAWKINS, JUDY                                                      
                                            ADDRESS     :    9152 JONES COURT                                         
  MORTGAGE AMT:       380,000.00            CITY               BRENTWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               TN   37027                                             
  UNPAID BALANCE:    380,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,657.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.08000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105695               MORTGAGORS:        PRESLEY, KEITH                                                     
                                            ADDRESS     :    28 PALM BOULEVARD                                        
  MORTGAGE AMT:       384,000.00            CITY               MISSOURI CITY                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               TX   77459                                             
  UNPAID BALANCE:    384,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,717.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105703               MORTGAGORS:        WRIGHT, MARES                                                      
                                            ADDRESS     :    24777 NORTH 87TH STREET                                  
  MORTGAGE AMT:       384,800.00            CITY               SCOTTSDALE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               AZ   85255                                             
  UNPAID BALANCE:    384,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,592.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105729               MORTGAGORS:        JENKINS, ROBIN                                                     

                                                   JENKINS, SANDRA                                                    
                                            ADDRESS     :    1175 SOUTH SUMMER BREEZE                                 
  MORTGAGE AMT:       388,000.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92808                                             
  UNPAID BALANCE:    388,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,581.37            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.51000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105737               MORTGAGORS:        BRADY, ERIK                                                        

                                                   STEVENS, CAROL                                                     
                                            ADDRESS     :    3507 NORTH OHIO STREET                                   
  MORTGAGE AMT:       393,000.00            CITY               ARLINGTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   22207                                             
  UNPAID BALANCE:    393,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,581.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.27000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105745               MORTGAGORS:        HAN, JAMES                                                         
                                            ADDRESS     :    3821 NOTTINGHAM DR                                       
  MORTGAGE AMT:       396,000.00            CITY               LONG GROVE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               IL   60047                                             
  UNPAID BALANCE:    396,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,667.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105752               MORTGAGORS:        LIU, NAM-DAR                                                       

                                                   TJANDRA, MURNIATY                                                  
                                            ADDRESS     :    5504 EASTERLY ROAD                                       
  MORTGAGE AMT:       397,000.00            CITY               AGOURA HILLS                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91301                                             
  UNPAID BALANCE:    397,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,708.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.45000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105778               MORTGAGORS:        BUTTE, DONALD                                                      

                                                   BUTTE, HELENE                                                      
                                            ADDRESS     :    27257 ARROWHEAD TRAIL                                    
  MORTGAGE AMT:       400,000.00            CITY               EASTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   21601                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,694.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 42.55000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105786               MORTGAGORS:        STEVENS, WILLIAM                                                   

                                                   STEVENS, SUSAN                                                     
                                            ADDRESS     :    4422 SW FAIRVIEW BOULEVAR                                
  MORTGAGE AMT:       400,000.00            CITY               PORTLAND                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               OR   97221                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,661.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 52.98000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105794               MORTGAGORS:        ALIJANI, MOHAMMAD RASOOL                                           

                                                   ALIJANI, MIRSAKINEH                                                
                                            ADDRESS     :    5904 TANGLEWOOD DRIVE                                    
  MORTGAGE AMT:       400,000.00            CITY               BETHESDA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20817                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,627.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.23000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105802               MORTGAGORS:        BLUE, KENNETH                                                      

                                                   BLUE, MICHELLE                                                     
                                            ADDRESS     :    19025 NORTHEAST 151ST                                    
  MORTGAGE AMT:       400,000.00            CITY               WOODINVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98072                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,627.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.97000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105810               MORTGAGORS:        ROSIER, R.                                                         
                                            ADDRESS     :    89 MAIN STREET                                           
  MORTGAGE AMT:       400,000.00            CITY               SOUTHBORO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MA   01772                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,762.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 69.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105828               MORTGAGORS:        ISOLA, ROBERT                                                      

                                                   ISOLA, RENEE                                                       
                                            ADDRESS     :    816 PALOMA AVENUE                                        
  MORTGAGE AMT:       400,000.00            CITY               BURLINGAME                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   94010                                             
  UNPAID BALANCE:    399,651.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,831.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.47000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105844               MORTGAGORS:        GOULD, DAVID                                                       

                                                   LANCI, STEPHANIE                                                   
                                            ADDRESS     :    4106 BUCKINGHAM PLACE                                    
  MORTGAGE AMT:       400,000.00            CITY               COLLEYVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               TX   76034                                             
  UNPAID BALANCE:    399,341.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,661.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105851               MORTGAGORS:        SELE, TIMOTHY                                                      

                                                   POCOCK, MERI CHRISTINE                                             
                                            ADDRESS     :    16791 PHELPS LANE                                        
  MORTGAGE AMT:       400,000.00            CITY               HUNTINGTON BEACH                                       
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92649                                             
  UNPAID BALANCE:    400,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,661.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.89000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105869               MORTGAGORS:        FULLER, H                                                          

                                                   FULLER, DIANA                                                      
                                            ADDRESS     :    22402 ROSEBRIAR                                          
  MORTGAGE AMT:       404,000.00            CITY               MISSION VIEJO                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92692                                             
  UNPAID BALANCE:    404,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,687.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105885               MORTGAGORS:        SELZER, DAVID KARL                                                 

                                                   SHARP, DEBORAH JEAN                                                
                                            ADDRESS     :    2113 EAST RANCH ROAD                                     
  MORTGAGE AMT:       408,000.00            CITY               TEMPE                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AZ   85284                                             
  UNPAID BALANCE:    408,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,714.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105893               MORTGAGORS:        AUDET, DAVID                                                       

                                                   AUDET, CHRISTY                                                     
                                            ADDRESS     :    28402 CALLE PINATA                                       
  MORTGAGE AMT:       409,000.00            CITY               SAN JUAN CAPISTRANO                                    
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92675                                             
  UNPAID BALANCE:    409,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,721.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.65000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105901               MORTGAGORS:        SILVERS, MARC                                                      
                                            ADDRESS     :    9004 GOSHEN VALLEY DRIVE                                 
  MORTGAGE AMT:       410,000.00            CITY               GAITHERSBURG                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20882                                             
  UNPAID BALANCE:    410,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,693.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.61000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105919               MORTGAGORS:        STEWART,, EDMUNDE                                                  

                                                   STEWART, NORMA                                                     
                                            ADDRESS     :    21086 ST LOUIS ROAD                                      
  MORTGAGE AMT:       412,000.00            CITY               MIDDLEBURG                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   20117                                             
  UNPAID BALANCE:    411,662.280            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,741.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.91000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105927               MORTGAGORS:        MARCHIONI, JOHN                                                    

                                                   MARCHIONI, AMY                                                     
                                            ADDRESS     :    1591 PARKVIEW DRIVE                                      
  MORTGAGE AMT:       412,000.00            CITY               VISTA                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92083                                             
  UNPAID BALANCE:    412,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,845.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105935               MORTGAGORS:        AMPUDIA, DEBORAH                                                   

                                                   AMPUDIA, RUDY                                                      
                                            ADDRESS     :    241 NORTH LONE HILL AVENU                                
  MORTGAGE AMT:       413,600.00            CITY               GLENDORA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91741                                             
  UNPAID BALANCE:    413,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,786.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105943               MORTGAGORS:        L.OWEN, REBECCA                                                    

                                                   SPENCER, ROBERT                                                    
                                            ADDRESS     :    9436 HOLBROOK LANE                                       
  MORTGAGE AMT:       414,800.00            CITY               POTOMAC                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   20854                                             
  UNPAID BALANCE:    414,476.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,829.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.01000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105950               MORTGAGORS:        LEONARD, MICHAEL                                                   
                                            ADDRESS     :    5042 GALWAY CIRCLE                                       
  MORTGAGE AMT:       261,900.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92649                                             
  UNPAID BALANCE:    261,690.560            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,764.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99387            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105968               MORTGAGORS:        NEUMEIER, YEDIDIA                                                  

                                                   NEUMEIER, GALINA                                                   
                                            ADDRESS     :    2132 BOGANS LAKE PASS                                    
  MORTGAGE AMT:       416,000.00            CITY               DUNWOODY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30338                                             
  UNPAID BALANCE:    416,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,732.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105976               MORTGAGORS:        SMITH, BRADFORD                                                    

                                                   SMITH, SHARON                                                      
                                            ADDRESS     :    4801 SOUTH BUTTERFIELD PL                                
  MORTGAGE AMT:       419,700.00            CITY               BATTLEFIELD                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MO   65619                                             
  UNPAID BALANCE:    419,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,820.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.95000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105984               MORTGAGORS:        PALEY, JONATHAN                                                    

                                                   PALEY, PAMELA                                                      
                                            ADDRESS     :    4817 NE 41ST STREET                                      
  MORTGAGE AMT:       420,000.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98105                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,794.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080105992               MORTGAGORS:        WYRSCH, MARTHA                                                     

                                                   WYRSCH, GERARD                                                     
                                            ADDRESS     :    4081 SOUTH DAHLIA STREET                                 
  MORTGAGE AMT:       420,000.00            CITY               ENGLEWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CO   80110                                             
  UNPAID BALANCE:    419,688.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,936.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106008               MORTGAGORS:        DERITIS, GREGG                                                     

                                                   DERITIS, JULIE                                                     
                                            ADDRESS     :    3731 WEST COMMODORE WAY                                  
  MORTGAGE AMT:       420,750.00            CITY               SEATTLE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98199                                             
  UNPAID BALANCE:    420,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,764.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 85.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106016               MORTGAGORS:        EDWARDS, STEPHEN                                                   

                                                   EDWARDS, PATTI                                                     
                                            ADDRESS     :    626 ABBIE STREET                                         
  MORTGAGE AMT:       424,000.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94566                                             
  UNPAID BALANCE:    424,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,785.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106024               MORTGAGORS:        CHEHAB, SAID EMILE                                                 
                                            ADDRESS     :    241 WEST ENID DRIVE                                      
  MORTGAGE AMT:       426,500.00            CITY               KEY BISCAYNE                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               FL   33149                                             
  UNPAID BALANCE:    426,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,909.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.91000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106032               MORTGAGORS:        HEHMANN, ROBERT                                                    

                                                   TRAN, LOAN                                                         
                                            ADDRESS     :    4295 KINGSVIEW ROAD                                      
  MORTGAGE AMT:       428,000.00            CITY               MOORPARK                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   93021                                             
  UNPAID BALANCE:    428,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,847.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106040               MORTGAGORS:        SALTMARSH, F                                                       
                                            ADDRESS     :    2385 CHRISTOPHERS WALK                                   
  MORTGAGE AMT:       428,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30327                                             
  UNPAID BALANCE:    428,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,883.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106057               MORTGAGORS:        KAPANY, BALBIR                                                     

                                                   KAPANY, HARMOHAN                                                   
                                            ADDRESS     :    88 MOORE STREET                                          
  MORTGAGE AMT:       430,000.00            CITY               PRINCETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   08540                                             
  UNPAID BALANCE:    430,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,896.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.78000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106065               MORTGAGORS:        KALMBACH, KURT                                                     

                                                   KALMBACH, BARBARA                                                  
                                            ADDRESS     :    16 MAIDSTONE                                             
  MORTGAGE AMT:       430,000.00            CITY               COTO DE CAZA AREA                                      
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   92679                                             
  UNPAID BALANCE:    430,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,043.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.90000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106073               MORTGAGORS:        HICKEY, WARNER                                                     

                                                   BEARD, LAURA                                                       
                                            ADDRESS     :    503 FILLMORE STREET                                      
  MORTGAGE AMT:       431,200.00            CITY               DENVER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80206                                             
  UNPAID BALANCE:    431,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,868.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106081               MORTGAGORS:        SNOW, JEFFREY                                                      

                                                   SNOW, KAREN                                                        
                                            ADDRESS     :    8895 MCNAIR DRIVE                                        
  MORTGAGE AMT:       436,000.00            CITY               ALEXANDRIA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               VA   22309                                             
  UNPAID BALANCE:    436,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,011.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106099               MORTGAGORS:        SALTER, PATRICIA                                                   

                                                   APTED, MICHAEL                                                     
                                            ADDRESS     :    30 LARK BUNTING LANE                                     
  MORTGAGE AMT:       440,000.00            CITY               LITTLETON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80127                                             
  UNPAID BALANCE:    440,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,927.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106107               MORTGAGORS:        RAMAKRISHNAN, SATISH                                               
                                            ADDRESS     :    2199 PASEO DEL ORO                                       
  MORTGAGE AMT:       440,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95124                                             
  UNPAID BALANCE:    440,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,964.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106115               MORTGAGORS:        SHWILLER, LEWIS MICHAEL                                            
                                            ADDRESS     :    3045 RIVER NORTH PARKWAY                                 
  MORTGAGE AMT:       440,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30328                                             
  UNPAID BALANCE:    440,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,001.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106123               MORTGAGORS:        HABBERSTAD, JEFF                                                   

                                                   HABBERSTAD, DEBORAH                                                
                                            ADDRESS     :    15182 IRON CANYON ROAD                                   
  MORTGAGE AMT:       444,000.00            CITY               SANTA CLARITA                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91350                                             
  UNPAID BALANCE:    444,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,991.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106131               MORTGAGORS:        HITCHCOCK, MICHAEL                                                 

                                                   HITCHCOCK, KATHERINE                                               
                                            ADDRESS     :    29988 SUNSET TRAIL                                       
  MORTGAGE AMT:       452,500.00            CITY               PINE                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80470                                             
  UNPAID BALANCE:    452,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,010.49            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.70000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106149               MORTGAGORS:        ROWLETT, MORRIS                                                    

                                                   ROWLETT, MARILYN                                                   
                                            ADDRESS     :    10596 COPPERGATE                                         
  MORTGAGE AMT:       462,000.00            CITY               CARMEL                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               IN   46032                                             
  UNPAID BALANCE:    462,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,035.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.53000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106156               MORTGAGORS:        DURANT, DON                                                        

                                                   DURANT, JUDITH ANN                                                 
                                            ADDRESS     :    19490 CHARLESTON ROAD                                    
  MORTGAGE AMT:       472,500.00            CITY               VOLCANO                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   95689\  UNPAID BALANCE:                           
472,500.000            OPTION TO CONVERT :      No                                                                    
  MONTHLY P&I:          3,344.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.72000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106164               MORTGAGORS:        STEINHART, LANCE                                                   
                                            ADDRESS     :    2260 BLACKHEATH TRACE                                    
  MORTGAGE AMT:       500,000.00            CITY               ALPHARETTA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30005                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,326.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 48.17000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106180               MORTGAGORS:        GLADSTONE, JONATHAN                                                

                                                   PFARR, PAMELA                                                      
                                            ADDRESS     :    365 SOUTH DRIVE                                          
  MORTGAGE AMT:       506,000.00            CITY               SEVERNA PARK                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   21146                                             
  UNPAID BALANCE:    506,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,324.06            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.25000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106198               MORTGAGORS:        BOGAN, PATRICK                                                     

                                                   BOGAN, KATHRYN                                                     
                                            ADDRESS     :    10419 ABERDEEN LANE                                      
  MORTGAGE AMT:       506,000.00            CITY               EASTON                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               MD   21601                                             
  UNPAID BALANCE:    506,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,409.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.93000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106206               MORTGAGORS:        GREGORY, TOY RHEA                                                  

                                                   NIXON, CHRISTINE ANN                                               
                                            ADDRESS     :    3431 MANDEVILLE CANYON RO                                
  MORTGAGE AMT:       512,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90049                                             
  UNPAID BALANCE:    512,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,406.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106214               MORTGAGORS:        BERMAN, KEN                                                        

                                                   BERMAN, BETH                                                       
                                            ADDRESS     :    11304 CROSSING GLEN COURT                                
  MORTGAGE AMT:       514,000.00            CITY               POTOMAC                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20854                                             
  UNPAID BALANCE:    514,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,419.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106222               MORTGAGORS:        MAZZU, ANTHONY                                                     

                                                   MAZZU, S                                                           
                                            ADDRESS     :    1620 AIR PARK LANE                                       
  MORTGAGE AMT:       520,000.00            CITY               PLANO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               TX   75093                                             
  UNPAID BALANCE:    520,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,416.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106230               MORTGAGORS:        ELLIS, ROBERT                                                      

                                                   CLINE, KELLI                                                       
                                            ADDRESS     :    22 SAN MATEO ROAD                                        
  MORTGAGE AMT:       524,000.00            CITY               BERKELEY                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.62500                               CA   94707                                             
  UNPAID BALANCE:    524,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,708.84            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.62500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106248               MORTGAGORS:        MARROCCO, ANNICOL                                                  

                                                   CONDE, EDWIN                                                       
                                            ADDRESS     :    6 DOUGLAS DRIVE                                          
  MORTGAGE AMT:       532,000.00            CITY               SPARTA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07871                                             
  UNPAID BALANCE:    532,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,584.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106263               MORTGAGORS:        YARMOLICH, PAUL                                                    

                                                   YARMOLICH, SANDRA                                                  
                                            ADDRESS     :    308 MONTOYA WAY                                          
  MORTGAGE AMT:       539,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94526                                             
  UNPAID BALANCE:    539,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,631.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.84000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106271               MORTGAGORS:        COLLAMORE, THOMAS                                                  

                                                   COLLAMORE, JACQUELINE                                              
                                            ADDRESS     :    5206 NORWAY DRIVE                                        
  MORTGAGE AMT:       540,000.00            CITY               CHEVY CHASE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   20815                                             
  UNPAID BALANCE:    540,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,683.75            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 60.20000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106297               MORTGAGORS:        PICARD, MARC                                                       

                                                   PICARD, TONEE                                                      
                                            ADDRESS     :    5026 IRONWOOD DRIVE                                      
  MORTGAGE AMT:       555,000.00            CITY               SOQUEL                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95073                                             
  UNPAID BALANCE:    555,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,786.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 46.95000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106305               MORTGAGORS:        KELLEY, EDWARD                                                     

                                                   KELLEY, CORENTHIS                                                  
                                            ADDRESS     :    6002 CROOM STATION ROAD                                  
  MORTGAGE AMT:       560,000.00            CITY               UPPER MARLBORO                                         
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20772                                             
  UNPAID BALANCE:    560,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,725.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.67000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106313               MORTGAGORS:        KENNEDY, TIMOTHY                                                   

                                                   KENNEDY, LORI                                                      
                                            ADDRESS     :    2586 BODDIE PLACE                                        
  MORTGAGE AMT:       563,350.00            CITY               DULUTH                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               GA   30097                                             
  UNPAID BALANCE:    563,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,843.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.79000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106321               MORTGAGORS:        BERRY, MARK                                                        

                                                   BERRY, LAUREN                                                      
                                            ADDRESS     :    1417 WOODHURST BLVD.                                     
  MORTGAGE AMT:       564,000.00            CITY               MCLEAN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22102                                             
  UNPAID BALANCE:    564,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,847.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.73000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106347               MORTGAGORS:        SHOCHAT, STEPHEN                                                   

                                                   SHOCHAT, CARLA                                                     
                                            ADDRESS     :    2500 BIRNAM WOOD DRIVE                                   
  MORTGAGE AMT:       569,600.00            CITY               GERMANTOWN                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               TN   38138                                             
  UNPAID BALANCE:    569,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,837.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106537               MORTGAGORS:        MOUDAKAS, LINDA                                                    
                                            ADDRESS     :    1100 NORTH LEMON AVENUE                                  
  MORTGAGE AMT:       618,000.00            CITY               MENLO PARK                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94025                                             
  UNPAID BALANCE:    618,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,163.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106545               MORTGAGORS:        HAMMER, JOSEPH F                                                   

                                                   NOVI-HAMMER, MARIA C                                               
                                            ADDRESS     :    3631 ARI LANE                                            
  MORTGAGE AMT:       631,200.00            CITY               GLENVIEW                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60025                                             
  UNPAID BALANCE:    631,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,199.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106552               MORTGAGORS:        DAY, LAURENCE                                                      

                                                   ESTUPINAN-DAY, SASKIA                                              
                                            ADDRESS     :    672 LIVE OAK DRIVE                                       
  MORTGAGE AMT:       650,000.00            CITY               MCLEAN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22101                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,434.15            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.79000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080106586               MORTGAGORS:        ANDERSON, WILLIAM                                                  
                                            ADDRESS     :    4300 MARQUIS PLACE                                       
  MORTGAGE AMT:       292,000.00            CITY               WOODBRIDGE                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               VA   22192                                             
  UNPAID BALANCE:    292,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,016.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 88.48000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107360               MORTGAGORS:        REDELL, WILLIAM                                                    
                                                   REDELL, CHERYL                                                     
                                                   REDELL, WILLIAM                                                    
                                                   REDELL, MELISSA                                                    
                                            ADDRESS     :    253 VESTER STED                                          
  MORTGAGE AMT:       300,000.00            CITY               SOLVANG                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   93463                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107568               MORTGAGORS:        STRAWN, KIRTIS                                                     

                                                   STRAWN, PATRICIA                                                   
                                            ADDRESS     :    135 VIA LOS MIRADORES                                    
  MORTGAGE AMT:       288,400.00            CITY               TORRANCE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               CA   90277                                             
  UNPAID BALANCE:    288,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,822.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 44.36923            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107592               MORTGAGORS:        KUMAR, KEERANOOR                                                   

                                                   VENKATESH, ROHINI                                                  
                                            ADDRESS     :    34 FORDS ROAD                                            
  MORTGAGE AMT:       336,000.00            CITY               RANDOLPH TO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07869                                             
  UNPAID BALANCE:    335,731.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,263.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107618               MORTGAGORS:        JACKLER, MARK                                                      

                                                   JACKLER, ELAINE                                                    
                                            ADDRESS     :    810 DARTMOOR AVENUE                                      
  MORTGAGE AMT:       325,000.00            CITY               TOWN OF WES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07091                                             
  UNPAID BALANCE:    324,740.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,189.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.03825            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107626               MORTGAGORS:        HARDING, CHRISTOPHE                                                

                                                   HARDING, MARYANN                                                   
                                            ADDRESS     :    44 MAPLE VILLAGE COURT                                   
  MORTGAGE AMT:       380,250.00            CITY               BERNARDSVIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07924                                             
  UNPAID BALANCE:    379,953.360            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,593.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107634               MORTGAGORS:        MENEOU, SCOTT                                                      

                                                   MENEOU, SUSAN                                                      
                                            ADDRESS     :    28234 RIDGE VIEW DRIVE                                   
  MORTGAGE AMT:       243,500.00            CITY               SANTA CLARI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91351                                             
  UNPAID BALANCE:    243,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,661.10            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.09375            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107642               MORTGAGORS:        GERBER, JEFFREY                                                    

                                                   GERBER, DARLENE                                                    
                                            ADDRESS     :    4 RYAN COURT                                             
  MORTGAGE AMT:       350,000.00            CITY               WASHINTON T                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07853                                             
  UNPAID BALANCE:    349,726.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,387.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.91667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107659               MORTGAGORS:        MURDOCK, JOHN                                                      

                                                   MURDOCK, LYNN                                                      
                                            ADDRESS     :    1209 PINE STREET                                         
  MORTGAGE AMT:       298,700.00            CITY               SANTA MONIC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90405                                             
  UNPAID BALANCE:    298,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,037.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 54.30909            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107667               MORTGAGORS:        KAPLAN, JOSHUA                                                     

                                                   KAPLAN, STEFANIE                                                   
                                            ADDRESS     :    869 KALLIN AVENUE                                        
  MORTGAGE AMT:       272,750.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90815                                             
  UNPAID BALANCE:    272,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,814.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.52439            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107691               MORTGAGORS:        TOUPAL, DANIEL                                                     

                                                   TOUPAL, MYRNA                                                      
                                            ADDRESS     :    1547 VISTA DORADA PLACE                                  
  MORTGAGE AMT:       318,000.00            CITY               CHINO HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91709                                             
  UNPAID BALANCE:    318,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,169.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.50000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107725               MORTGAGORS:        SANDFORD, DEBRA                                                    
                                            ADDRESS     :    7640 EAST SADDLEHILL TRAI                                
  MORTGAGE AMT:       329,000.00            CITY               ORANGE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92869                                             
  UNPAID BALANCE:    329,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,188.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 45.37931            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107733               MORTGAGORS:        MULA, KATHY                                                        
                                            ADDRESS     :    32041 POINT PLACE                                        
  MORTGAGE AMT:       255,974.00            CITY               LAGUNA BEAC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92651                                             
  UNPAID BALANCE:    255,974.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,703.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 32.40177            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107741               MORTGAGORS:        KOETTER, FREDERICK                                                 

                                                   KOETTER, BARBARA                                                   
                                            ADDRESS     :    1513 SHADOW KNOLLS LANE                                  
  MORTGAGE AMT:       305,500.00            CITY               EL CAJON                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92020                                             
  UNPAID BALANCE:    305,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,084.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.88235            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107758               MORTGAGORS:        SANKER, DONNA                                                      

                                                   THOMPSON, DAWN                                                     
                                            ADDRESS     :    353 ULTIMO AVENUE                                        
  MORTGAGE AMT:       333,000.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90814\  UNPAID BALANCE:                           
333,000.000            OPTION TO CONVERT :      No                                                                    
  MONTHLY P&I:          2,215.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.95918            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107774               MORTGAGORS:        NOKOFF, ROBERT                                                     

                                                   NOKOFF, LOU ANN                                                    
                                            ADDRESS     :    32951 JOEL CIRCLE                                        
  MORTGAGE AMT:       291,709.00            CITY               DANA POINT                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92629                                             
  UNPAID BALANCE:    291,481.440            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,989.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.79718            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107782               MORTGAGORS:        COMEAU, JOSEPH                                                     

                                                   WEEKS, ANN                                                         
                                            ADDRESS     :    2795 JASON COURT                                         
  MORTGAGE AMT:       260,000.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   91362                                             
  UNPAID BALANCE:    260,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,708.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 49.52381            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080107790               MORTGAGORS:        CHANG, PAUL                                                        

                                                   CHANG, JOYCE                                                       
                                            ADDRESS     :    2626 THREE SPRINGS DRIVE                                 
  MORTGAGE AMT:       472,000.00            CITY               WESTLAKE VI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91361                                             
  UNPAID BALANCE:    472,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,061.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108277               MORTGAGORS:        ZEIMIS, VINCENT                                                    

                                                   ZEIMIS, ERIN                                                       
                                            ADDRESS     :    16475 VALLEY SPRINGS ROAD                                
  MORTGAGE AMT:       280,000.00            CITY               CHINO HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91709                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,862.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108475               MORTGAGORS:        KERN, JAMES                                                        

                                                   DONOVAN, MONICA                                                    
                                            ADDRESS     :    1330 WARNER AVENUE                                       
  MORTGAGE AMT:       325,000.00            CITY               SUNNYVALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94087                                             
  UNPAID BALANCE:    325,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,135.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.42105            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108616               MORTGAGORS:        BYER, VICTOR                                                       
                                            ADDRESS     :    11951 MAYFIELD AVENUE                                    
  MORTGAGE AMT:       150,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90049                                             
  UNPAID BALANCE:    150,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            985.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.82979            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108632               MORTGAGORS:        WHITE, MICHAEL                                                     

                                                   WHITE, SUSAN                                                       
                                            ADDRESS     :    455 REED COURT                                           
  MORTGAGE AMT:       356,000.00            CITY               GOLETA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   93117                                             
  UNPAID BALANCE:    356,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,428.55            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.89899            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108665               MORTGAGORS:        WERNER, JON                                                        

                                                   WERNER, JUDITH                                                     
                                            ADDRESS     :    1366 HYMETTUS AVENUE                                     
  MORTGAGE AMT:       447,700.00            CITY               LEUCADIA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92024                                             
  UNPAID BALANCE:    446,182.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,941.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.35766            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108673               MORTGAGORS:        DELGADO, RICHARD                                                   

                                                   DELGADO, ROSALINDA                                                 
                                            ADDRESS     :    1022 SOUTH REXFORD LANE                                  
  MORTGAGE AMT:       364,800.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92808                                             
  UNPAID BALANCE:    364,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,457.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108699               MORTGAGORS:        FERGUSON, LESLIE                                                   

                                                   SMITH, KEN                                                         
                                            ADDRESS     :    1194 QUAIL GARDENS COURT                                 
  MORTGAGE AMT:       404,000.00            CITY               ENCINITAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92024                                             
  UNPAID BALANCE:    404,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,755.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108772               MORTGAGORS:        CAGNEY, PETER                                                      
                                            ADDRESS     :    4168 OVERCREST DRIVE                                     
  MORTGAGE AMT:       252,000.00            CITY               Whittier (Area)                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90601                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,676.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108798               MORTGAGORS:        ECCLESTON, R                                                       

                                                   ECCLESTON, STELLA                                                  
                                            ADDRESS     :    968 SHERMAN OAKS DRIVE                                   
  MORTGAGE AMT:       257,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95128                                             
  UNPAID BALANCE:    257,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,753.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 51.40000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080108939               MORTGAGORS:        MELONI, MARGARET                                                   
                                            ADDRESS     :    114 COVINA AVENUE                                        
  MORTGAGE AMT:       359,500.00            CITY               LONG BEACH                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90803                                             
  UNPAID BALANCE:    359,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,391.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.98748            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109002               MORTGAGORS:        DUVALL, MARK                                                       
                                            ADDRESS     :    823 PALMS BOULEVARD                                      
  MORTGAGE AMT:       500,000.00            CITY               VENICE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   90291                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,242.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.36508            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109077               MORTGAGORS:        TROY, JEFFREY                                                      

                                                   TROY, LAURIE                                                       
                                            ADDRESS     :    30482 VIA LINDOSA                                        
  MORTGAGE AMT:       417,500.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92677                                             
  UNPAID BALANCE:    417,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,848.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.72868            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109168               MORTGAGORS:        COOK, RICHARD                                                      

                                                   COOK, HARRIET                                                      
                                            ADDRESS     :    29520 4th AVENUE SOUTH                                   
  MORTGAGE AMT:       244,625.00            CITY               FEDERAL WAY                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98003                                             
  UNPAID BALANCE:    244,424.480            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,627.50            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109309               MORTGAGORS:        HALL, KLAY                                                         

                                                   HALL, DEBRA                                                        
                                            ADDRESS     :    3149 WOODGREEN COURT                                     
  MORTGAGE AMT:       323,050.00            CITY               THOUSAND OA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91362                                             
  UNPAID BALANCE:    322,785.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,149.26            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.95360            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109341               MORTGAGORS:        PATTON, STEVEN                                                     

                                                   VIAJAR PATTO, HOPE                                                 
                                            ADDRESS     :    28621 BRECKENRIDGE DRIVE                                 
  MORTGAGE AMT:       325,000.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CA   92677                                             
  UNPAID BALANCE:    325,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,081.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.03371            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109598               MORTGAGORS:        VAN, CHARLES                                                       
                                                   Van, Angela                                                        
                                                   LO, AMY                                                            
                                            ADDRESS     :    2332-2334 Vicente Street                                 
  MORTGAGE AMT:       338,000.00            CITY               SAN FRANCIS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94116                                             
  UNPAID BALANCE:    338,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,305.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.41667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109614               MORTGAGORS:        GLASSMAN, DOUGLAS                                                  

                                                   GLASSMAN, JENNIFER                                                 
                                            ADDRESS     :    646 CALDWELL ROAD                                        
  MORTGAGE AMT:       420,000.00            CITY               OAKLAND                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94611                                             
  UNPAID BALANCE:    420,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,794.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109671               MORTGAGORS:        CECKIEWICZ, THOMAS                                                 

                                                   TKACHUK, ALICE                                                     
                                            ADDRESS     :    49653 ASH COURT                                          
  MORTGAGE AMT:       370,000.00            CITY               PLYMOUTH                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MI   48170                                             
  UNPAID BALANCE:    368,427.840            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,430.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.28408            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080109820               MORTGAGORS:        MITCHELL, JONI                                                     
                                            ADDRESS     :    31717 KENTFIELD COURT                                    
  MORTGAGE AMT:       255,400.00            CITY               WESTLAKE VI                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91361                                             
  UNPAID BALANCE:    255,400.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,742.28            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.29268            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080110091               MORTGAGORS:        LIZARDI, JAMES                                                     

                                                   LIZARDI, SHELLY                                                    
                                            ADDRESS     :    1775 CRAIG AVENUE                                        
  MORTGAGE AMT:       301,650.00            CITY               Altadena (AREA)                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91001                                             
  UNPAID BALANCE:    301,650.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,057.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.80159            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080110356               MORTGAGORS:        DORRICOTT, DENISE                                                  
                                            ADDRESS     :    705 MILLER AVENUE                                        
  MORTGAGE AMT:       292,500.00            CITY               GREAT FALLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22066                                             
  UNPAID BALANCE:    292,260.240            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,946.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080110372               MORTGAGORS:        WISNIEwSKI, ROBBIE                                                 

                                                   TALLEY, LYN                                                        
                                            ADDRESS     :    78 FELLS ROAD                                            
  MORTGAGE AMT:       283,500.00            CITY               ESSEX FELLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07021                                             
  UNPAID BALANCE:    283,278.840            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,933.97            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080110406               MORTGAGORS:        COMSTOCK, ROY                                                      

                                                   COMSTOCK, SARAH                                                    
                                            ADDRESS     :    25315 KEATS LANE                                         
  MORTGAGE AMT:       262,000.00            CITY               VALENCIA (AREA)                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91381                                             
  UNPAID BALANCE:    262,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,809.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.09240            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111412               MORTGAGORS:        BLEW, MICHAEL                                                      

                                                   BLEW, MONA                                                         
                                            ADDRESS     :    19 CARRIAGE DRIVE                                        
  MORTGAGE AMT:       281,600.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92602                                             
  UNPAID BALANCE:    281,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,968.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111529               MORTGAGORS:        CHOI, TOM                                                          

                                                   CHOI, JANET                                                        
                                            ADDRESS     :    819 ROYAL PALM COURT                                     
  MORTGAGE AMT:       304,500.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   95133                                             
  UNPAID BALANCE:    304,268.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,103.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 82.29730            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111578               MORTGAGORS:        DEVANEY, PATRICK                                                   

                                                   DEVANEY, SHARON                                                    
                                            ADDRESS     :    6162 OAKBROOK CIRCLE                                     
  MORTGAGE AMT:       544,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92648                                             
  UNPAID BALANCE:    544,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,619.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111610               MORTGAGORS:        NAVOLIO, JOHN                                                      

                                                   NAVOLIO, KARA                                                      
                                            ADDRESS     :    3217 ARBOLADO DRIVE                                      
  MORTGAGE AMT:       336,000.00            CITY               WALNUT CREE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94598                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,349.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111677               MORTGAGORS:        BOGART, ROD                                                        

                                                   BOGART, LISA                                                       
                                            ADDRESS     :    842 LAS PAVADAS AVENUE                                   
  MORTGAGE AMT:       312,000.00            CITY               SAN RAFAEL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94903                                             
  UNPAID BALANCE:    311,737.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,049.62            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111693               MORTGAGORS:        HARTMAN, GARY                                                      

                                                   HARTMAN, JUDITH                                                    
                                            ADDRESS     :    27 BOWIE PLACE                                           
  MORTGAGE AMT:       278,300.00            CITY               SANTA ANA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92702                                             
  UNPAID BALANCE:    278,060.390            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,805.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98618            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111735               MORTGAGORS:        NELSON, WENDY                                                      

                                                   RAPP, JOHN                                                         
                                            ADDRESS     :    4 CALELLA                                                
  MORTGAGE AMT:       282,400.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92677                                             
  UNPAID BALANCE:    282,162.750            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,855.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.49367            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111750               MORTGAGORS:        DELANEY, TERRENCE                                                  
                                            ADDRESS     :    24220 RANCHO SANTA ANA RO                                
  MORTGAGE AMT:       270,000.00            CITY               YORBA LINDA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92887                                             
  UNPAID BALANCE:    269,799.620            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,887.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.97260            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111768               MORTGAGORS:        MURA, GRACE                                                        

                                                   MURA, TERRY                                                        
                                            ADDRESS     :    12 INDIGO                                                
  MORTGAGE AMT:       367,550.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92620                                             
  UNPAID BALANCE:    367,233.540            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,383.93            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99086            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111784               MORTGAGORS:        GUPTA, SUNIL                                                       

                                                   GUPTA, RITA                                                        
                                            ADDRESS     :    28 MARYLAND                                              
  MORTGAGE AMT:       283,100.00            CITY               IRVINE                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92606                                             
  UNPAID BALANCE:    283,100.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,907.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98327            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111792               MORTGAGORS:        MOORE, THOMAS                                                      

                                                   MOORE, KATHLEEN                                                    
                                            ADDRESS     :    300 BORICA DRIVE                                         
  MORTGAGE AMT:       316,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94526                                             
  UNPAID BALANCE:    316,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,209.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111834               MORTGAGORS:        SOLBERG, MARTIN                                                    

                                                   SOLBERG, KAREN                                                     
                                            ADDRESS     :    2146 CROSS STREET                                        
  MORTGAGE AMT:       450,000.00            CITY               LA CANADA F                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91011                                             
  UNPAID BALANCE:    449,648.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,069.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.64602            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111867               MORTGAGORS:        WOLFRAM, GARY                                                      

                                                   WOLFRAM, KAREN                                                     
                                            ADDRESS     :    148 CROMART COURT                                        
  MORTGAGE AMT:       310,000.00            CITY               SUNNYVALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94087                                             
  UNPAID BALANCE:    310,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,036.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.04762            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111875               MORTGAGORS:        SHAH, SHISHIR                                                      

                                                   SHAH, MALINI                                                       
                                            ADDRESS     :    2020 SOUTH SANDERS COURT                                 
  MORTGAGE AMT:       385,500.00            CITY               LA HABRA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   90631                                             
  UNPAID BALANCE:    385,176.120            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,532.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.89074            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111933               MORTGAGORS:        BRUMBAUGH, ANTOINETTE                                              
                                            ADDRESS     :    15 OAK TREE LANE                                         
  MORTGAGE AMT:       267,500.00            CITY               FAIRFAX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   94930                                             
  UNPAID BALANCE:    267,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,870.40            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.72152            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111941               MORTGAGORS:        GLENN, JAMES                                                       
                                            ADDRESS     :    6410 FORESTER DRIVE                                      
  MORTGAGE AMT:       326,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92648                                             
  UNPAID BALANCE:    325,739.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,196.33            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 42.89474            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080111982               MORTGAGORS:        KOLEHMAINEN, DONALD                                                

                                                   KOLEHMAINEN, KRISTEN                                               
                                            ADDRESS     :    6 CRESTED BUTTE CIRCLE                                   
  MORTGAGE AMT:       270,000.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92677                                             
  UNPAID BALANCE:    269,773.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,773.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.97260            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112014               MORTGAGORS:        ANDERSON, JOSEPH                                                   

                                                   ANDERSON, VICTORIA                                                 
                                            ADDRESS     :    19000 EAST STAMPEDE ROAD                                 
  MORTGAGE AMT:       275,000.00            CITY               CLEMENTS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   95227                                             
  UNPAID BALANCE:    274,774.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,829.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.70588            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112048               MORTGAGORS:        BARKAN, GERALD                                                     

                                                   HAYS, KATHLEEN                                                     
                                            ADDRESS     :    23 SUMMERHILL ROAD                                       
  MORTGAGE AMT:       277,600.00            CITY               SAN RAFAEL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   94903                                             
  UNPAID BALANCE:    277,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,846.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112063               MORTGAGORS:        NJAMFA, CONRAD                                                     

                                                   NJAMFA, ANGELINE                                                   
                                            ADDRESS     :    672 QUAIL RUN                                            
  MORTGAGE AMT:       288,650.00            CITY               TRACY                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95376                                             
  UNPAID BALANCE:    288,424.820            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,969.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98690            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112089               MORTGAGORS:        LANDA, HOWARD                                                      

                                                   LANDA, CATHERINE                                                   
                                            ADDRESS     :    1630 VIA SAGE                                            
  MORTGAGE AMT:       345,600.00            CITY               SAN CLEMENT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92673                                             
  UNPAID BALANCE:    345,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,357.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112139               MORTGAGORS:        ERAMO, ROBERT                                                      

                                                   ERAMO, CAROLYN                                                     
                                            ADDRESS     :    1840 KENPARK CURT                                        
  MORTGAGE AMT:       330,000.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95124                                             
  UNPAID BALANCE:    330,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,251.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.85714            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112246               MORTGAGORS:        NEARON, DAVID                                                      

                                                   NEARON, LINDA                                                      
                                            ADDRESS     :    111 SOUTHVIEW LANE                                       
  MORTGAGE AMT:       500,000.00            CITY               ALAMO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94507                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,410.88            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 50.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112899               MORTGAGORS:        STOLTZ, JAMES                                                      

                                                   STOLTZ, DENISE                                                     
                                            ADDRESS     :    3 MELVILLE COURT                                         
  MORTGAGE AMT:       276,350.00            CITY               ROXBURY TOW                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07852                                             
  UNPAID BALANCE:    276,134.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,885.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 93.59301            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112923               MORTGAGORS:        BARKOw, WILLIAM                                                    

                                                   BARKOW, GRETCHEN                                                   
                                            ADDRESS     :    29 MONTGOMERY AVENUE                                     
  MORTGAGE AMT:       260,000.00            CITY               ROCKY HILL                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   08553                                             
  UNPAID BALANCE:    259,786.880            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,729.79            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080112998               MORTGAGORS:        SIMON, HENRY                                                       

                                                   SIMON, TERESA                                                      
                                            ADDRESS     :    7 HAINES COVE DRIVE                                      
  MORTGAGE AMT:       590,000.00            CITY               DOVER TOWNS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08753                                             
  UNPAID BALANCE:    589,539.730            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,024.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.72973            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113020               MORTGAGORS:        KOTCH, ROBERT                                                      
                                            ADDRESS     :    60 NORTH HILLSIDE PLACE                                  
  MORTGAGE AMT:       567,300.00            CITY               RIDGEWOOD V                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               NJ   07450                                             
  UNPAID BALANCE:    566,787.150            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,585.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.99504            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113061               MORTGAGORS:        CAVALIERE, VINCENT                                                 

                                                   MITCHELL CAV, MARGARET                                             
                                            ADDRESS     :    9 DAVID PLACE                                            
  MORTGAGE AMT:       322,560.00            CITY               MT OLIVE TO                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07828\  UNPAID BALANCE:                           
322,308.370            OPTION TO CONVERT :      No                                                                    
  MONTHLY P&I:          2,200.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113087               MORTGAGORS:        FOX, VINCENT                                                       

                                                   FOX, PATRICIA                                                      
                                            ADDRESS     :    4 FOX CREST COURT                                        
  MORTGAGE AMT:       425,000.00            CITY               TROY HILLS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07950                                             
  UNPAID BALANCE:    424,668.460            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,899.25            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 66.61442            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113541               MORTGAGORS:        NICOLOFF, FRYDA                                                    

                                                   NICOLOFF, CHERIE                                                   
                                            ADDRESS     :    1510 SANTA BARBARA STREET                                
  MORTGAGE AMT:       242,500.00            CITY               SAN DIEGO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92107                                             
  UNPAID BALANCE:    242,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,593.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 68.69688            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113863               MORTGAGORS:        LICHTENSTERN, DAVID                                                
                                            ADDRESS     :    3964 MILLBROOK DRIVE                                     
  MORTGAGE AMT:       268,800.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95404                                             
  UNPAID BALANCE:    268,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,833.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113871               MORTGAGORS:        NETTA, KIM                                                         

                                                   BARKER, THOMAS                                                     
                                            ADDRESS     :    2918 HUMESTON AVENUE                                     
  MORTGAGE AMT:       310,000.00            CITY               TUSTIN                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92782                                             
  UNPAID BALANCE:    310,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,062.44            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 87.33009            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113897               MORTGAGORS:        WILLIAMS, CAROL                                                    

                                                   WILLIAMS, RICHARD                                                  
                                            ADDRESS     :    8148 MOLLER RANCH DRIVE                                  
  MORTGAGE AMT:       376,500.00            CITY               PLEASANTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.00000                               CA   94588                                             
  UNPAID BALANCE:    376,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,762.63            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.26316            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080113996               MORTGAGORS:        AJURIA, CESAR                                                      

                                                   CONDON, SINEAD                                                     
                                            ADDRESS     :    212 MORESBY LANE                                         
  MORTGAGE AMT:       375,300.00            CITY               REDWOOD CIT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94063                                             
  UNPAID BALANCE:    374,984.700            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,465.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 89.98446            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114002               MORTGAGORS:        OCONNOR, MICHAEL                                                   

                                                   MORA, OSCAR                                                        
                                            ADDRESS     :    972 S 8TH STREET                                         
  MORTGAGE AMT:       186,840.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95112                                             
  UNPAID BALANCE:    186,547.610            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,274.58            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114044               MORTGAGORS:        STEWART, ROBERT                                                    

                                                   STEWART, MARILYN                                                   
                                            ADDRESS     :    1650 CERVATO CIRCLE                                      
  MORTGAGE AMT:       362,000.00            CITY               ALAMO                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94507                                             
  UNPAID BALANCE:    361,717.600            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,469.48            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.13131            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114069               MORTGAGORS:        CONDRON, ROBERT                                                    

                                                   CONDRON, WENDY                                                     
                                            ADDRESS     :    23 AMMOLITE                                              
  MORTGAGE AMT:       281,100.00            CITY               RANCHO SANT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92688                                             
  UNPAID BALANCE:    280,869.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,870.17            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99831            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114085               MORTGAGORS:        HOLMAN, LEWIS                                                      

                                                   HOLMAN, JULIE                                                      
                                            ADDRESS     :    16432 UNDERHILL LANE                                     
  MORTGAGE AMT:       300,000.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92647                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114119               MORTGAGORS:        WHITLOW, KENNETH                                                   

                                                   WHITLOW, ROSELLA                                                   
                                            ADDRESS     :    1306 WEST RUTLEDGE PLACE                                 
  MORTGAGE AMT:       270,000.00            CITY               BREA                                                   
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90632                                             
  UNPAID BALANCE:    270,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,796.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.73684            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114127               MORTGAGORS:        DE LA ROSA, ERWIN                                                  

                                                   DE LA ROSA, ANGIE                                                  
                                            ADDRESS     :    24846 VISTA MAGNIFICA                                    
  MORTGAGE AMT:       268,463.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92677                                             
  UNPAID BALANCE:    268,463.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,831.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.60097            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114143               MORTGAGORS:        CONGER, DEE                                                        

                                                   CONGER, MARJORIE                                                   
                                            ADDRESS     :    7315 OLIVETAS AVENUE                                     
  MORTGAGE AMT:       480,000.00            CITY               La Jolla (Area)                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92037                                             
  UNPAID BALANCE:    480,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,193.45            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114184               MORTGAGORS:        BINDER, MICHAEL                                                    
                                            ADDRESS     :    3421 TILDEN AVENUE                                       
  MORTGAGE AMT:       394,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90034                                             
  UNPAID BALANCE:    394,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,687.78            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 73.64486            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114242               MORTGAGORS:        LUBECK, DANIEL                                                     
                                            ADDRESS     :    508 SAN BERNARDINO AVENUE                                
  MORTGAGE AMT:       432,000.00            CITY               NEWPORT BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92663                                             
  UNPAID BALANCE:    432,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,947.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114259               MORTGAGORS:        JACOB, JOSEPH                                                      

                                                   JACOB, SHELLEY                                                     
                                            ADDRESS     :    6666 RANDIWOOD LANE                                      
  MORTGAGE AMT:       282,050.00            CITY               WEST HILLS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91307                                             
  UNPAID BALANCE:    282,050.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,948.05            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.40506            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114275               MORTGAGORS:        CATLIN, MICHAEL                                                    

                                                   CATLIN, TINA                                                       
                                            ADDRESS     :    10611 CALM HILL CIRCLE                                   
  MORTGAGE AMT:       358,600.00            CITY               SANTA ANA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92705                                             
  UNPAID BALANCE:    358,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,476.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.72000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114291               MORTGAGORS:        FRENCH, ALAN                                                       

                                                   FRENCH, LISA                                                       
                                            ADDRESS     :    30902 CANTERBURY PLACE                                   
  MORTGAGE AMT:       322,600.00            CITY               LAGUNA NIGU                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92677                                             
  UNPAID BALANCE:    322,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,200.70            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 52.88525            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114317               MORTGAGORS:        MUTTULINGAM, SANJAYAN                                              

                                                   O'DOHERTY, KITTY                                                   
                                            ADDRESS     :    330 MIRADA ROAD                                          
  MORTGAGE AMT:       335,200.00            CITY               HALF MOON B                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94019                                             
  UNPAID BALANCE:    334,938.510            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,286.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114341               MORTGAGORS:        ROCHA, DERRICK                                                     

                                                   ROCHA, KIMI                                                        
                                            ADDRESS     :    16340 BROOKSTONE CIRCLE                                  
  MORTGAGE AMT:       330,650.00            CITY               LA MIRADA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   90638                                             
  UNPAID BALANCE:    330,650.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,144.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.14773            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114374               MORTGAGORS:        THUMIM, ARNOLD                                                     

                                                   THUMIM, SHEILA                                                     
                                            ADDRESS     :    334 SOUTH SYCAMORE AVENUE                                
  MORTGAGE AMT:       355,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90036                                             
  UNPAID BALANCE:    355,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,421.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.73684            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114382               MORTGAGORS:        DUNPHY, ROBERT                                                     
                                            ADDRESS     :    972 MESA GRANDE DRIVE                                    
  MORTGAGE AMT:       328,800.00            CITY               PALM DESERT                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92211                                             
  UNPAID BALANCE:    328,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,132.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.09976            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114580               MORTGAGORS:        OESTERLING, RICHARD                                                

                                                   OESTERLING, KIMBERLY                                               
                                            ADDRESS     :    12644 PARKE CIRCLE                                       
  MORTGAGE AMT:       252,000.00            CITY               RANCHO CUCA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91739                                             
  UNPAID BALANCE:    251,614.810            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,740.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98933            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080114630               MORTGAGORS:        DE LEON, CARL                                                      

                                                   DE LEON, PERLA                                                     
                                            ADDRESS     :    16459 DENHAVEN COURT                                     
  MORTGAGE AMT:       227,700.00            CITY               CHINO HILLS                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   91709                                             
  UNPAID BALANCE:    227,352.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,572.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98735            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080115074               MORTGAGORS:        FROUDE, ROBERT                                                     
                                            ADDRESS     :    770 DEVILS KNOB LOOP                                     
  MORTGAGE AMT:       375,000.00            CITY               WINTERGREEN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22958                                             
  UNPAID BALANCE:    372,609.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,558.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.75472            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           10/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080115868               MORTGAGORS:        WHITE, ROBERT                                                      

                                                   WHITE, PATRICIA                                                    
                                            ADDRESS     :    2 BOHLANDER COURT                                        
  MORTGAGE AMT:       352,000.00            CITY               READINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               NJ   08889                                             
  UNPAID BALANCE:    351,738.760            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,461.24            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080115918               MORTGAGORS:        HACKNEY, TOM                                                       

                                                   HACKNEY, ANGELICA                                                  
                                            ADDRESS     :    202 RAWLEY RIDGE                                         
  MORTGAGE AMT:       244,000.00            CITY               FRONT ROYAL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22630                                             
  UNPAID BALANCE:    243,799.990            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,623.34            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080115942               MORTGAGORS:        POTTER, ROBERT                                                     

                                                   GYZANDER, M                                                        
                                            ADDRESS     :    857 HILLCREST ROAD                                       
  MORTGAGE AMT:       496,000.00            CITY               RIDGEWOOD V                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   07450                                             
  UNPAID BALANCE:    495,593.420            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,299.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080115975               MORTGAGORS:        PALFREYMAN, SCOTT                                                  

                                                   PALFREYMAN, LORI                                                   
                                            ADDRESS     :    1213 CRIM ROAD                                           
  MORTGAGE AMT:       303,200.00            CITY               BRIDGEWATER                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               NJ   08807                                             
  UNPAID BALANCE:    302,951.470            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,017.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080115991               MORTGAGORS:        FRANK, DOUGLAS                                                     

                                                   FRANK, BRENDA                                                      
                                            ADDRESS     :    45 NEPTUNE CIRCLE                                        
  MORTGAGE AMT:       400,000.00            CITY               TOWNSHIP OF                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08723                                             
  UNPAID BALANCE:    399,687.960            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,728.71            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.22689            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080116007               MORTGAGORS:        FERNANDES, PAUL                                                    

                                                   FERNANDES, LYNNE                                                   
                                            ADDRESS     :    5807 HAMPTON FOREST WAY                                  
  MORTGAGE AMT:       311,200.00            CITY               FAIRFAX                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               VA   22030                                             
  UNPAID BALANCE:    310,944.900            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,070.43            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080116023               MORTGAGORS:        GOLIKOV, PETER                                                     

                                                   GOLIKOV, GRETCHEN                                                  
                                            ADDRESS     :    320 NORTH EUCLID AVENUE                                  
  MORTGAGE AMT:       299,000.00            CITY               WESTFIELD T                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               NJ   07090                                             
  UNPAID BALANCE:    298,760.890            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,014.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.93734            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080116239               MORTGAGORS:        DRAGAN, GEORGE                                                     

                                                   BARRETT DRAG, PATRICIA                                             
                                            ADDRESS     :    31 CRAGMONT WAY                                          
  MORTGAGE AMT:       240,000.00            CITY               WOODSIDE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94062                                             
  UNPAID BALANCE:    240,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,616.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 26.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080116379               MORTGAGORS:        COHEN, BARRY                                                       
                                            ADDRESS     :    292 CREST ROAD                                           
  MORTGAGE AMT:       429,600.00            CITY               NOVATO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   94945                                             
  UNPAID BALANCE:    429,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,786.38            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080116684               MORTGAGORS:        VANGELI, MARIO                                                     

                                                   VANGELI, MARIAN                                                    
                                            ADDRESS     :    18 CAMBRIDGE COURT                                       
  MORTGAGE AMT:       315,200.00            CITY               TOWNSHIP OF                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07746                                             
  UNPAID BALANCE:    314,954.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,150.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080117088               MORTGAGORS:        ATTKISSON, ROGER                                                   
                                            ADDRESS     :    1232 TANGERINE STREET                                    
  MORTGAGE AMT:       132,800.00            CITY               EL CAJON                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92021                                             
  UNPAID BALANCE:    132,701.440            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:            928.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080117344               MORTGAGORS:        PEREZ, JOSE                                                        

                                                   PEREZ, OTILIA                                                      
                                            ADDRESS     :    424 SELKIRK                                              
  MORTGAGE AMT:       264,000.00            CITY               CORONA                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91720                                             
  UNPAID BALANCE:    263,314.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,712.30            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98795            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080117401               MORTGAGORS:        SELITRENNIKO, PATRICK                                              

                                                   SELITRENNIKO, MELODY                                               
                                            ADDRESS     :    8871 E HEATHERWOOD ROAD                                  
  MORTGAGE AMT:       284,950.00            CITY               ANAHEIM HIL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   92808                                             
  UNPAID BALANCE:    283,960.300            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,848.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.98650            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080117807               MORTGAGORS:        KUNCE, MICHAEL                                                     

                                                   KUNCE, MARIANNE                                                    
                                            ADDRESS     :    2432 MARTES                                              
  MORTGAGE AMT:       600,000.00            CITY               LA VERNE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               CA   91750                                             
  UNPAID BALANCE:    600,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,792.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118011               MORTGAGORS:        RATINOV, VLADIMIR                                                  

                                                   RATINOV, ELENA                                                     
                                            ADDRESS     :    11907 Reynolds Ave.                                      
  MORTGAGE AMT:       300,000.00            CITY               ROCKVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20854                                             
  UNPAID BALANCE:    299,754.090            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,995.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118102               MORTGAGORS:        BEGIN, RONALD                                                      

                                                   SPENCER, DAVID                                                     
                                            ADDRESS     :    880 CHINQUAPIN CREST DRIV                                
  MORTGAGE AMT:       256,400.00            CITY               HARWOOD                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               MD   20776                                             
  UNPAID BALANCE:    256,204.890            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,770.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 94.99815            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118185               MORTGAGORS:        WISHART, KATHERINE                                                 

                                                   HERNDON, TODD                                                      
                                            ADDRESS     :    18304 REDBRIDGE COURT                                    
  MORTGAGE AMT:       281,600.00            CITY               OLNEY                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               MD   20832                                             
  UNPAID BALANCE:    281,345.420            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,779.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118193               MORTGAGORS:        CHUMAKOV, KONSTANTIN                                               

                                                   CHUMAKOV, EKATERINA                                                
                                            ADDRESS     :    12626 CIRCLE DRIVE                                       
  MORTGAGE AMT:       376,000.00            CITY               ROCKVILLE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20850                                             
  UNPAID BALANCE:    375,691.790            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,501.54            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118227               MORTGAGORS:        HARRISON, C                                                        
                                            ADDRESS     :    17 SKI HILL DRIVE                                        
  MORTGAGE AMT:       288,000.00            CITY               BEDMINSTER                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   07921                                             
  UNPAID BALANCE:    287,775.330            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,964.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118268               MORTGAGORS:        SHIRTZ, JEFFREY                                                    

                                                   SHIRTZ, CONSTANCE                                                  
                                            ADDRESS     :    7 PHOENIX DRIVE                                          
  MORTGAGE AMT:       260,000.00            CITY               MENDHAM BOR                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               NJ   07945                                             
  UNPAID BALANCE:    259,802.160            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,795.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118342               MORTGAGORS:        BUTLER, JOHN                                                       

                                                   GIBSON, AMANDA                                                     
                                            ADDRESS     :    5177 FULTON STREET                                       
  MORTGAGE AMT:       267,000.00            CITY               WASHINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               DC   70016                                             
  UNPAID BALANCE:    267,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,821.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.79000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118359               MORTGAGORS:        FRANK, BRIAN                                                       
                                            ADDRESS     :    7480 BRANDONSHIRE RD                                     
  MORTGAGE AMT:       336,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30350                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,235.42            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118367               MORTGAGORS:        IRWIN, WILLIAM                                                     

                                                   IRWIN, CHERYLE                                                     
                                            ADDRESS     :    8253 ROOKERY WAY                                         
  MORTGAGE AMT:       347,600.00            CITY               WESTERVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OH   43082                                             
  UNPAID BALANCE:    347,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,341.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.91000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118375               MORTGAGORS:        KALLAS, KEVIN                                                      

                                                   Kallas, Gail                                                       
                                            ADDRESS     :    4301 N. STOWELL AVENUE                                   
  MORTGAGE AMT:       296,250.00            CITY               SHOREWOOD                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WI   53211                                             
  UNPAID BALANCE:    296,250.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,020.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118383               MORTGAGORS:        LOVE, ALLAN                                                        

                                                   LOVE, DIANNE                                                       
                                            ADDRESS     :    611 CAPE MCKINSEY DR                                     
  MORTGAGE AMT:       297,500.00            CITY               SEVERNA PARK                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               MD   21146                                             
  UNPAID BALANCE:    297,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,029.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 47.22000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118391               MORTGAGORS:        MARTIN, SCOTT                                                      

                                                   MARTIN, MELISSA                                                    
                                            ADDRESS     :    6675 CLUB VALLEY CT                                      
  MORTGAGE AMT:       257,350.00            CITY               SUWANEE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               GA   30024                                             
  UNPAID BALANCE:    256,744.200            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,733.81            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 71.49000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080118409               MORTGAGORS:        PERKINS, W                                                         

                                                   PERKINS, MARY                                                      
                                            ADDRESS     :    4060 GLEN DEVON DRIVE                                    
  MORTGAGE AMT:       395,000.00            CITY               ATLANTA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               GA   30327                                             
  UNPAID BALANCE:    395,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,594.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.80000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080119340               MORTGAGORS:        MORIARTY, JOHN                                                     

                                                   MORIARTY, STEPHANIE                                                
                                            ADDRESS     :    15534 OAKSTAND ROAD                                      
  MORTGAGE AMT:       364,000.00            CITY               POWAY                                                  
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   92064                                             
  UNPAID BALANCE:    364,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,391.22            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080119373               MORTGAGORS:        MITCHELL, DONALD                                                   

                                                   MITCHELL, LINDA                                                    
                                            ADDRESS     :    3391 JASMINE CREST                                       
  MORTGAGE AMT:       650,000.00            CITY               ENCINITAS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92024                                             
  UNPAID BALANCE:    650,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,324.47            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 40.62500            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080119407               MORTGAGORS:        HILGENDORF, KEN                                                    

                                                   MEYER, DARSI                                                       
                                            ADDRESS     :    1400 COMSTOCK AVENUE                                     
  MORTGAGE AMT:       500,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90025                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,368.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.88162            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080119431               MORTGAGORS:        CHAN, KEVIN                                                        

                                                   CHAN, CARMEN                                                       
                                            ADDRESS     :    541 WEST ST ANDREWS AVENU                                
  MORTGAGE AMT:       336,000.00            CITY               LA HABRA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   90631                                             
  UNPAID BALANCE:    336,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,263.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080119464               MORTGAGORS:        MALKIN, MICHAEL                                                    

                                                   MALKIN, STEPHANIE                                                  
                                            ADDRESS     :    461 NORTH MANSFIELD AVENU                                
  MORTGAGE AMT:       324,650.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90036                                             
  UNPAID BALANCE:    324,650.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,159.91            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 64.93000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080119563               MORTGAGORS:        VOGEL, DAVID                                                       
                                            ADDRESS     :    43 TOMAC AVENUE                                          
  MORTGAGE AMT:       583,500.00            CITY               GREENWICH                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        8.50000                               CT   06870                                             
  UNPAID BALANCE:    583,146.520            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,486.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           8.50000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:351                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080120090               MORTGAGORS:        PARKER, JEFFREY                                                    

                                                   PARKER, ANGIE                                                      
                                            ADDRESS     :    11720 SLEEPER AVE                                        
  MORTGAGE AMT:       278,350.00            CITY               TUSTIN RANC                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92782                                             
  UNPAID BALANCE:    277,892.350            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,851.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.98793            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080120561               MORTGAGORS:        SCHILLER, GARY                                                     
                                            ADDRESS     :    133 135 NORTH MANSFIELD A                                
  MORTGAGE AMT:       612,000.00            CITY               LOS ANGELES                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   90036                                             
  UNPAID BALANCE:    611,522.580            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,174.92            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080121007               MORTGAGORS:        HATHAwAY, JOHN                                                     

                                                   DANIELS, KATHI JO                                                  
                                            ADDRESS     :    11 COLONIAL COURT                                        
  MORTGAGE AMT:       344,000.00            CITY               MONTGOMERY                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               NJ   08558                                             
  UNPAID BALANCE:    343,731.640            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,346.69            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.47748            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080121957               MORTGAGORS:        INCIONG, AUGUSTO                                                   

                                                   INCIONG, MARIA LOUR                                                
                                            ADDRESS     :    22781 BURLWOOD                                           
  MORTGAGE AMT:       259,000.00            CITY               MISSION VIE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   92692                                             
  UNPAID BALANCE:    259,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,788.85            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 56.92308            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080123649               MORTGAGORS:        BERESTETSKY, STELLA                                                

                                                   ZEPPELIN, GAYLE                                                    
                                            ADDRESS     :    27861 ENCANTO                                            
  MORTGAGE AMT:       268,000.00            CITY               MISSION VIE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   92692                                             
  UNPAID BALANCE:    268,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,805.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080126972               MORTGAGORS:        STREBIG, MARY                                                      

                                                   STREBIG, JAMES                                                     
                                            ADDRESS     :    450 EAST E STREET                                        
  MORTGAGE AMT:       245,974.00            CITY               BENICIA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94510                                             
  UNPAID BALANCE:    245,579.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,657.18            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 95.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080127319               MORTGAGORS:        ANGELES, JUANITO                                                   

                                                   ANGELES, ADELIA                                                    
                                            ADDRESS     :    116 VICTORY CIRCLE                                       
  MORTGAGE AMT:       358,500.00            CITY               SAN RAMON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94583                                             
  UNPAID BALANCE:    358,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,476.07            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.27660            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080127384               MORTGAGORS:        CORDREY, DAVID                                                     

                                                   CORDREY, MELINDA                                                   
                                            ADDRESS     :    4242 MESA STREET                                         
  MORTGAGE AMT:       312,000.00            CITY               TORRANCE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.62500                               CA   90505                                             
  UNPAID BALANCE:    312,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,997.77            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.62500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080135171               MORTGAGORS:        BAY, LESLIE                                                        

                                                   DUMONT, ARLENE                                                     
                                            ADDRESS     :    19 BENNETT DRIVE                                         
  MORTGAGE AMT:       240,000.00            CITY               EAST QUOGUE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               NY   11942                                             
  UNPAID BALANCE:    240,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,556.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.35322            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138332               MORTGAGORS:        HE, GANG                                                           

                                                   ZHANG, HAIYUN                                                      
                                            ADDRESS     :    3050 BLODGETT DR.                                        
  MORTGAGE AMT:       310,500.00            CITY               Colorado Springs                                       
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CO   80919                                             
  UNPAID BALANCE:    309,863.260            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,013.90            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138340               MORTGAGORS:        TANAKA, STEPHEN                                                    

                                                   TANAKA, AIDA                                                       
                                            ADDRESS     :    635 HUNTER RD.                                           
  MORTGAGE AMT:       460,000.00            CITY               Glenview                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               IL   60025                                             
  UNPAID BALANCE:    459,622.930            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,060.39            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138357               MORTGAGORS:        DENNING, MICHAEL                                                   
                                            ADDRESS     :    1809 10TH AVE. EAST                                      
  MORTGAGE AMT:       355,000.00            CITY               Seattle                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               WA   98102                                             
  UNPAID BALANCE:    354,444.450            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,421.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 42.49000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138373               MORTGAGORS:        OWENS, JON                                                         

                                                   OWENS, LESLIE                                                      
                                            ADDRESS     :    3208 NW SPENCER ST.                                      
  MORTGAGE AMT:       300,000.00            CITY               Portland                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               OR   97229                                             
  UNPAID BALANCE:    300,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,021.16            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.07000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138449               MORTGAGORS:        HITE, KENNETH                                                      

                                                   CSERVENYAK, CONSTANCE                                              
                                            ADDRESS     :    3015 142ND PLACE NORTH EA                                
  MORTGAGE AMT:       362,000.00            CITY               Bellevue                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               WA   98007                                             
  UNPAID BALANCE:    362,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,378.08            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138472               MORTGAGORS:        FISCHER, THOMAS                                                    

                                                   FISCHER, SUSAN                                                     
                                            ADDRESS     :    2103 OWEN FARM COURT                                     
  MORTGAGE AMT:       370,000.00            CITY               Reisterstown                                           
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.37500                               MD   21136                                             
  UNPAID BALANCE:    370,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,308.32            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.57000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.37500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138514               MORTGAGORS:        KEENEN, TERRENCE                                                   

                                                   L.KEENEN, JENNIFER                                                 
                                            ADDRESS     :    10920 EAST BUTHERUS DR.                                  
  MORTGAGE AMT:       350,000.00            CITY               Scottsdale                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               AZ   85259                                             
  UNPAID BALANCE:    349,134.290            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,328.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 77.78000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           02/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138530               MORTGAGORS:        KOTSCHWAR, LANCE                                                   

                                                   KOTSCHWAR, LINDA                                                   
                                            ADDRESS     :    1405 LAYMAN STREET                                       
  MORTGAGE AMT:       350,000.00            CITY               Mc Lean                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               VA   22101                                             
  UNPAID BALANCE:    350,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,358.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138548               MORTGAGORS:        SALLY, RONALD                                                      

                                                   SALLY, YVETTE                                                      
                                            ADDRESS     :    2084 CLERMONT ST.                                        
  MORTGAGE AMT:       279,000.00            CITY               Denver                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CO   80207                                             
  UNPAID BALANCE:    279,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,856.19            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138563               MORTGAGORS:        JONES, JOHN                                                        

                                                   JONES, MARTHA                                                      
                                            ADDRESS     :    6021 SWANSON CREEK LANE                                  
  MORTGAGE AMT:       253,600.00            CITY               Hughesville                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               MD   20637                                             
  UNPAID BALANCE:    253,183.030            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,687.21            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.75000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138589               MORTGAGORS:        GOLDSBY, AUBREY                                                    

                                                   GOLDSBY, JILL                                                      
                                            ADDRESS     :    5586 178TH AVE. SE                                       
  MORTGAGE AMT:       360,000.00            CITY               Bellevue                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               WA   98006                                             
  UNPAID BALANCE:    359,408.100            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,395.09            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.29000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           03/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138605               MORTGAGORS:        HENNESSEY, C.                                                      
                                            ADDRESS     :    9745 RALEIGH STREET                                      
  MORTGAGE AMT:       344,000.00            CITY               Westminster                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CO   80030                                             
  UNPAID BALANCE:    344,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,317.59            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080138621               MORTGAGORS:        SHEFFIELD, KENNETH                                                 
                                            ADDRESS     :    555 WILSON AVENUE                                        
  MORTGAGE AMT:       310,450.00            CITY               NOVATO                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   94947                                             
  UNPAID BALANCE:    310,450.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,091.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.09000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139157               MORTGAGORS:        LIM, GREG                                                          

                                                   HONG, SAVINA                                                       
                                            ADDRESS     :    3699 SUNSET DRIVE                                        
  MORTGAGE AMT:       300,000.00            CITY               SAN BRUNO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94066                                             
  UNPAID BALANCE:    299,765.970            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,046.53            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139256               MORTGAGORS:        PANCHANATHAN, GOPALAN                                              

                                                   GOPALAN, SHOBA                                                     
                                            ADDRESS     :    16265 AVENIDA SAN MIGUEL                                 
  MORTGAGE AMT:       332,800.00            CITY               LA MIRADA                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   90638                                             
  UNPAID BALANCE:    332,800.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,214.13            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139306               MORTGAGORS:        HOLLANDSWORT, ERIN                                                 

                                                   ADEL, ROBYN                                                        
                                            ADDRESS     :    736 GOULD AVENUE                                         
  MORTGAGE AMT:       328,000.00            CITY               HERMOSA BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90254                                             
  UNPAID BALANCE:    328,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,265.41            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139322               MORTGAGORS:        MOSS, JAY                                                          

                                                   MOSS, DIANA                                                        
                                            ADDRESS     :    4515 KINGSWOOD DRIVE                                     
  MORTGAGE AMT:       700,000.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CA   94506                                             
  UNPAID BALANCE:    698,820.460            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          4,598.51            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 54.90196            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:103                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139389               MORTGAGORS:        HOLSCHER, TIM                                                      

                                                   MC NAMARA HO, AMY                                                  
                                            ADDRESS     :    9737 LAKE HELIX TERRACE                                  
  MORTGAGE AMT:       500,000.00            CITY               LA MESA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.75000                               CA   91941                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,242.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.74016            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.75000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139405               MORTGAGORS:        GUGGENHEIM, ALAN                                                   

                                                   GUGGENHEIM, SUZANNE                                                
                                            ADDRESS     :    8820 AZUL CIRCLE                                         
  MORTGAGE AMT:       396,000.00            CITY               WEST HILLS                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   91304                                             
  UNPAID BALANCE:    396,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,634.60            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 90.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139413               MORTGAGORS:        STRONG, DAVID                                                      
                                            ADDRESS     :    15326 SOUTH SILVERPOINT C                                
  MORTGAGE AMT:       304,000.00            CITY               BLUFFDALE                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               UT   84065                                             
  UNPAID BALANCE:    304,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,073.82            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139439               MORTGAGORS:        ALTSHULER, ERIC                                                    

                                                   ALTSHULER, NINA                                                    
                                            ADDRESS     :    852 AVENUE B                                             
  MORTGAGE AMT:       274,350.00            CITY               REDONDO BEA                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   90277                                             
  UNPAID BALANCE:    274,350.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,894.87            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.34615            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139454               MORTGAGORS:        NGUYEN, PHUOC                                                      
                                            ADDRESS     :    5038 MONTREAL DRIVE                                      
  MORTGAGE AMT:       264,750.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   95130                                             
  UNPAID BALANCE:    264,750.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,783.67            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139470               MORTGAGORS:        AITKEN, EDWARD                                                     

                                                   AITKEN, VALERIE                                                    
                                            ADDRESS     :    61 GINGHAM STREET                                        
  MORTGAGE AMT:       261,000.00            CITY               TRABUCO CAN                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.50000                               CA   92679                                             
  UNPAID BALANCE:    261,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,824.95            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 70.54054            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139488               MORTGAGORS:        MCGEE, JAMES                                                       

                                                   MCGEE, GLENDA                                                      
                                            ADDRESS     :    13195 TRAILS END COURT                                   
  MORTGAGE AMT:       261,600.00            CITY               MANASSAS                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   20112                                             
  UNPAID BALANCE:    261,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,784.57            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139520               MORTGAGORS:        MANSOIR, SALIM                                                     
                                            ADDRESS     :    2724 OCTAVIA ST.                                         
  MORTGAGE AMT:       303,200.00            CITY               San Francisco                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94123                                             
  UNPAID BALANCE:    303,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,068.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139546               MORTGAGORS:        GIBLIN, DAVID                                                      

                                                   GIBLIN, JO                                                         
                                            ADDRESS     :    1406 ROSEWOOD HILL DR.                                   
  MORTGAGE AMT:       310,700.00            CITY               Vienna                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               VA   22182                                             
  UNPAID BALANCE:    310,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,119.52            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.06000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139595               MORTGAGORS:        GARRETT, LINDA                                                     
                                            ADDRESS     :    63 CREEKVIEW CIRCLE                                      
  MORTGAGE AMT:       419,700.00            CITY               Larkspur                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94939                                             
  UNPAID BALANCE:    419,700.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,898.76            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 65.58000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139645               MORTGAGORS:        MUELLER, JOHN                                                      

                                                   MUELLER, JUDITH                                                    
                                            ADDRESS     :    5599 GOLD CREEK DRIVE                                    
  MORTGAGE AMT:       318,000.00            CITY               CASTRO VALL                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94552                                             
  UNPAID BALANCE:    318,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,196.35            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.50000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139660               MORTGAGORS:        FARCICH, JOHN                                                      

                                                   FARCICH, LOUISE                                                    
                                            ADDRESS     :    393 BEVERLY DR.                                          
  MORTGAGE AMT:       397,500.00            CITY               San Carlos                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94070                                             
  UNPAID BALANCE:    397,500.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,711.65            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139686               MORTGAGORS:        HANS, ELLEN                                                        

                                                   HANS, KEVIN                                                        
                                            ADDRESS     :    6412 22ND RD. NORTH                                      
  MORTGAGE AMT:       252,000.00            CITY               Arlington                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               VA   22205                                             
  UNPAID BALANCE:    252,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,655.46            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139702               MORTGAGORS:        SHEEKS, RAYMOND                                                    

                                                   SHEEKS, AMY                                                        
                                            ADDRESS     :    9972 SAGE CIRCLE                                         
  MORTGAGE AMT:       303,200.00            CITY               Fountain Valley                                        
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92708                                             
  UNPAID BALANCE:    303,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,017.20            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139785               MORTGAGORS:        VANS, VICTORIA                                                     
                                            ADDRESS     :    1960 PONCHA COURT                                        
  MORTGAGE AMT:       500,000.00            CITY               Larkspur                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               CO   80118                                             
  UNPAID BALANCE:    500,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,284.64            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 63.29000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139835               MORTGAGORS:        SPECTOR, JOEL                                                      
                                            ADDRESS     :    6520 W. 106TH STREET                                     
  MORTGAGE AMT:       334,000.00            CITY               Overland Park                                          
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               KS   66212                                             
  UNPAID BALANCE:    334,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,222.11            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139850               MORTGAGORS:        MATHEUS, FRANCISCO                                                 

                                                   MORENA, GIOVANNA                                                   
                                            ADDRESS     :    13332 MANOR STONE DRIVE                                  
  MORTGAGE AMT:       390,000.00            CITY               Germantown                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.87500                               MD   20874                                             
  UNPAID BALANCE:    390,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,562.02            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.24000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.87500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139868               MORTGAGORS:        ESMAY, ROBERT                                                      

                                                   ESMAY, ELIZABETH                                                   
                                            ADDRESS     :    12976 CLIFTON CREEK DRIVE                                
  MORTGAGE AMT:       280,000.00            CITY               CENTREVILLE                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               VA   22042                                             
  UNPAID BALANCE:    280,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,933.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.73000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080139926               MORTGAGORS:        CHARLES, ANDREW                                                    
                                            ADDRESS     :    22833 SW MOUNTAIN RD.                                    
  MORTGAGE AMT:       887,500.00            CITY               West Linn                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               OR   97068                                             
  UNPAID BALANCE:    881,747.950            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          6,054.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 59.17000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           11/01/28                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140312               MORTGAGORS:        CUNNINGHAM, LANCE                                                  
                                            ADDRESS     :    1701 LAS LUNAS STREET                                    
  MORTGAGE AMT:       284,000.00            CITY               PASADENA                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.12500                               CA   91106\  UNPAID BALANCE:                           
283,772.890            OPTION TO CONVERT :      No                                                                    
  MONTHLY P&I:          1,913.36            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 86.06061            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.12500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140387               MORTGAGORS:        NGUYEN, VINCENT                                                    

                                                   TRUONG, CHRISTINE                                                  
                                            ADDRESS     :    8309 MARSHALL STREET                                     
  MORTGAGE AMT:       260,000.00            CITY               ROSEMEAD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   91770                                             
  UNPAID BALANCE:    259,797.170            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,773.66            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 78.78788            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140395               MORTGAGORS:        HA, THIEU                                                          

                                                   LEHA, KELLY                                                        
                                            ADDRESS     :    327 CARLTON AVENUE                                       
  MORTGAGE AMT:       492,000.00            CITY               LOS GATOS                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95032                                             
  UNPAID BALANCE:    491,616.190            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,356.31            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 67.39726            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140445               MORTGAGORS:        EDWARDS, DAVID                                                     

                                                   EDWARDS, JAN                                                       
                                            ADDRESS     :    500 BAY HILL ROAD                                        
  MORTGAGE AMT:       450,000.00            CITY               HALF MOON B                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94019                                             
  UNPAID BALANCE:    450,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,108.04            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 37.65690            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140452               MORTGAGORS:        ANDRES, BERNARD                                                    

                                                   ANDRES, DULCIE                                                     
                                            ADDRESS     :    572 ROLLING HILLS LANE                                   
  MORTGAGE AMT:       305,600.00            CITY               DANVILLE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   94526                                             
  UNPAID BALANCE:    305,361.600            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,084.73            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140585               MORTGAGORS:        CABREROS, CESAR                                                    

                                                   CABREROS, CARMELA                                                  
                                            ADDRESS     :    4031 BOUQUET PARK LANE                                   
  MORTGAGE AMT:       412,500.00            CITY               SAN JOSE                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95135                                             
  UNPAID BALANCE:    412,178.210            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,813.98            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 75.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080140981               MORTGAGORS:        BOYD, RANDAL                                                       

                                                   BOYD, LINDA                                                        
                                            ADDRESS     :    14046 SOUTH OSBORN LANE                                  
  MORTGAGE AMT:       279,000.00            CITY               DRAPER                                                 
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               UT   84020                                             
  UNPAID BALANCE:    278,782.360            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,903.27            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 81.57895            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080141039               MORTGAGORS:        LUKA, DAVID                                                        

                                                   LUKA, KATERI                                                       
                                            ADDRESS     :    1925 SUNSET LANE                                         
  MORTGAGE AMT:       287,900.00            CITY               FULLERTON                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92833                                             
  UNPAID BALANCE:    287,675.410            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,963.99            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99444            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080141211               MORTGAGORS:        KAYE, ANTHONY                                                      

                                                   WRIGHT, ELIZABETH                                                  
                                            ADDRESS     :    180 NORTH VIRGINIA STREET                                
  MORTGAGE AMT:       337,600.00            CITY               SALT LAKE C                                            
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               UT   84103                                             
  UNPAID BALANCE:    337,600.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,303.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080141229               MORTGAGORS:        KENHART, LESLIE                                                    
                                            ADDRESS     :    5491 DIANE WAY                                           
  MORTGAGE AMT:       246,500.00            CITY               SANTA ROSA                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95409                                             
  UNPAID BALANCE:    246,307.710            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,681.56            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 72.50000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080141245               MORTGAGORS:        BALAJI, RAVISHANKA                                                 

                                                   RAVISHANKAR, LILANTHI                                              
                                            ADDRESS     :    1064 MOFFETT CIRCLE                                      
  MORTGAGE AMT:       504,000.00            CITY               PALO ALTO                                              
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.37500                               CA   94303                                             
  UNPAID BALANCE:    503,616.500            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,481.00            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 74.66667            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.37500             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080142763               MORTGAGORS:        REINSMA, DAVID                                                     

                                                   REINSMA, DANA                                                      
                                            ADDRESS     :    1790 30TH AVENUE                                         
  MORTGAGE AMT:       279,550.00            CITY               SANTA CRUZ                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   95062                                             
  UNPAID BALANCE:    279,112.520            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,907.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 79.99004            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080143175               MORTGAGORS:        BONAR, GORDON                                                      

                                                   BONAR, JANET                                                       
                                            ADDRESS     :    17402 CORONADO LANE                                      
  MORTGAGE AMT:       245,260.00            CITY               HUNTINGTON                                             
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92647                                             
  UNPAID BALANCE:    245,260.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,631.72            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 62.09114            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080143415               MORTGAGORS:        TORO, FERNANDO                                                     
                                            ADDRESS     :    2182 AVENIDA TORONJA                                     
  MORTGAGE AMT:       265,750.00            CITY               CARLSBAD                                               
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.25000                               CA   92009                                             
  UNPAID BALANCE:    265,334.110            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          1,812.89            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 76.05286            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.25000             MATURITY DATE:           04/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080143720               MORTGAGORS:        CLARK, MARK                                                        

                                                   CLARK, BILLIE                                                      
                                            ADDRESS     :    6690 EASTLEIGH CIRCLE                                    
  MORTGAGE AMT:       413,200.00            CITY               SUWANEE                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               GA   30024                                             
  UNPAID BALANCE:    413,200.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,749.03            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080145832               MORTGAGORS:        NGUYEN, CUNG                                                       

                                                   NGUYEN, LAN                                                        
                                            ADDRESS     :    940 PANORAMA DRIVE                                       
  MORTGAGE AMT:       426,000.00            CITY               ARCADIA                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        6.50000                               CA   91007                                             
  UNPAID BALANCE:    426,000.000            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          2,692.61            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           6.50000             MATURITY DATE:           06/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  LN # 0080151053               MORTGAGORS:        MOSBACH, DAVID                                                     

                                                   MOSBACH, JOAN                                                      
                                            ADDRESS     :    775 SOUTH CANYON MIST LAN                                
  MORTGAGE AMT:       464,000.00            CITY               ANAHEIM                                                
                                              :\                                                                      
                                            STATE/ZIP    :\                                                           
  LIFETIME RATE :        7.00000                               CA   92807                                             
  UNPAID BALANCE:    463,619.660            OPTION TO CONVERT :      No                                               
  MONTHLY P&I:          3,087.01            ANNUAL RATE ADJUST:      0.000                                            
  LTV :                 80.00000            OUTSIDE CONV DATE:                                                        
  CURRENT INT           7.00000             MATURITY DATE:           05/01/29                                         
  RATE:                                                                                                               

---------------------------------------------------------------------------------------------------------------PRODUCT
CODE:102                                                                                                              
  --------------------------------------------------------------------------------                                    

  **** PAGE TOTALS         NUM OF LOANS:   1478                LOAN AMT:    499,015,                                  
  ****                                                                        985.81                                  
                           P & I AMT:    3,383,                UPB AMT:     498,750,                                  
                                         676.02                               715.74                                  

  **** GRAND TOTALS        NUM OF LOANS:           1477        LOAN AMT:  499,015,985.81                              
  ****                                                                                                                
                           P & I AMT:      3,383,676.02        UPB AMT:   498,750,715.74                              

EX-4.1
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EXHIBIT D 

FORM OF SERVICER'S CERTIFICATE
________________, ______
(month)           (year)

GE CAPITAL MORTGAGE SERVICES, INC.
 REMIC Mortgage Pass-Through Certificates,
Series 1999-13

  Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1999
(the "Agreement") between GE Capital Mortgage Services, Inc. (the "Company"),   
and State Street Bank and Trust Company (the "Trustee"), governing the          
Certificates referred to above, the Company hereby certifies to the Trustee:    

 With respect to the Agreement and as of the Determination Date for this
month:                                                                          

A.   Mortgage Loan Information:                                       

(1)  Aggregate Scheduled Monthly Payments:                  
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

      (2)  Aggregate Monthly Payments received and Monthly Advances made
this Month:                                       
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

        (3)  Aggregate Principal Prepayments in part received and applied in
the applicable Prepayment Period:                 
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

(4)  Aggregate Principal Prepayments in full received in the
applicable Prepayment Period:                     

                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

      (5)  Aggregate Insurance Proceeds (including purchases of Mortgage
  Loans by primary mortgage insurers) for prior month:
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

(6)  Aggregate Liquidation Proceeds for prior month:        
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

(7)  Aggregate Purchase Prices for Defaulted Mortgage Loans:
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

     (8)  Aggregate Purchase Prices (and substitution adjustments) for
Defective Mortgage Loans:                         
                   (a)  Principal                                    $________
                   (b)  Interest                                     $________
                   (c)  Total                                        $________

         (9)  Pool Scheduled Principal Balance:                      $________

         (10) Available Funds:                                       $________

         (11) Realized Losses for prior month:                       $________

(12) Aggregate Realized Losses and Debt Service Reductions: 
                   (a)  Deficient Valuations                         $________
                   (b)  Special Hazard Losses                        $________
                   (c)  Fraud Losses                                 $________
                   (d)  Excess Bankruptcy Losses                     $________
                        (i)  Debt Service Reductions                 $________
                        (ii) Deficient Valuations                    $________
                   (e)  Excess Special Hazard Losses                 $________
                   (f)  Excess Fraud Losses                          $________
                   (g)  Debt Service Reductions                      $________

         (13) Compensating Interest Payment:                         $________

       (14) Accrued Certificate Interest, Unpaid Class Interest Shortfalls
and Pay-out Rate:                                 

          Class A1       $__________         $__________         ____%
          Class A2       $__________         $__________         ____%
          Class A3       $__________         $__________         ____%
          Class A4       $__________         $__________         ____%
          Class A5       $__________         $__________         ____%
          Class A6       $__________         $__________         ____%
          Class A7       $__________         $__________         ____%
          Class A8       $__________         $__________         ____%
          Class A9       $__________         $__________         ____%
          Class A10      $__________         $__________         ____%
          Class A11      $__________         $__________         ____%
          Class A12      $__________         $__________         ____%
          Class A13      $__________         $__________         ____%
          Class A15      $__________         $__________         ____%
          Class A16      $__________         $__________         ____%
          Class A17      $__________         $__________         ____%
          Class M        $__________         $__________         ____%
          Class B1       $__________         $__________         ____%
          Class B2       $__________         $__________         ____%
          Class B3       $__________         $__________         ____%
          Class B4       $__________         $__________         ____%
          Class B5       $__________         $__________         ____%
          Class R        $__________         $__________         ____%
          Class S        $__________         $__________         ____%

(15) Accrual amount:                                        

N/A                                               

(16) Principal distributable:                               

Class A1                  $__________             
Class A2                  $__________             
Class A3                  $__________             
Class A4                  $__________             
Class A5                  $__________             
Class A6                  $__________             
Class A7                  $__________             
Class A8                  $__________             
Class A9                  $__________             
Class A10                 $__________             
Class A11                 $__________             
Class A12                 $__________             
Class A13                 $__________             
Class A14                 $__________             
Class A15                 $__________             
Class A16                 $__________             
Class A17                 $__________             
Class PO                  $__________             
Class M                   $__________             
Class B1                  $__________             
Class B2                  $__________             
Class B3                  $__________             
Class B4                  $__________             
Class B5                  $__________             
Class R                   $__________             

        (17) Additional distributions to the Class R Certificate pursuant to
Section 4.01(b):                                  

Class   R                 $__________             

(18) Certificate Interest Rate of:                          

Class A2 Certificates             __________%     
Class A4 Certificates             __________%     
Class S Certificates              __________%     

(19) Distributions Allocable to Unanticipated Recoveries:   

Class A1                  $__________             
Class A2                  $__________             
Class A3                  $__________             
Class A4                  $__________             
Class A5                  $__________             
Class A6                  $__________             
Class A7                  $__________             
Class A8                  $__________             
Class A9                  $__________             
Class A10                 $__________             
Class A11                 $__________             
Class A12                 $__________             
Class A13                 $__________             
Class A14                 $__________             
Class A15                 $__________             
Class A16                 $__________             
Class A17                 $__________             
Class PO                  $__________             
Class M                   $__________             
Class B1                  $__________             
Class B2                  $__________             
Class B3                  $__________             
Class B4                  $__________             
Class B5                  $__________             
Class R                   $__________             

B.   Other Amounts:                                                   

         1.   Senior Percentage for such Distribution Date:     _____________%

 2.   Senior Prepayment Percentage for such Distribution Date:
                                                                _____________%

         3.   Junior Percentage for such Distribution Date:     _____________%

 4.   Junior Prepayment Percentage for such Distribution Date:
                                                                _____________%

         5.   Class A3 Percentage for such Distribution Date:   _____________%

          6.   Class A3 Prepayment Distribution Percentage for such Distribution
              Date:                                             _____________%

       7.   Subordinate Certificate Writedown Amount for such Distribution
              Date:                                             $_____________

  8.   Prepayment Distribution Triggers satisfied:  Yes       No
                                                    ---       --

          Class B1                                     _____     _____
          Class B2                                     _____     _____
          Class B3                                     _____     _____
          Class B4                                     _____     _____
          Class B5                                     _____     _____

         9.   Servicing Fee:                                    $_____________

    Capitalized terms used in this Certificate shall have the same meanings as
in the Agreement.                                                               

EX-4.1
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 EXHIBIT E

FORM OF TRANSFER CERTIFICATE AS TO ERISA MATTERS FOR
DEFINITIVE ERISA-RESTRICTED CERTIFICATES

State Street Bank and Trust Company                                             
Corporate Trust Department                                                      
225 Franklin Street                                                             
Boston, Massachusetts   02110                                                   

[NAME OF OFFICER] ______________________ hereby certifies that:                 

    1. That he [she] is [title of officer] ___________________________________
of [name of Investor] _______________________________________ (the "Investor"), 
a __________ ______________________ [description of type of entity] duly        
organized and existing under the laws of the [State of ____________] [United    
States], on behalf of which he [she] makes this affidavit.                      

2. The Investor (i) is not, and on ________________ [insert date of   
transfer of Certificate to Investor] will not be, and on such date will not be  
investing the assets of, an employee benefit plan subject to the Employee       
Retirement Income Security Act of 1974, as amended ("ERISA"), or a plan subject 
to Section 4975 of the Code or (ii) is an insurance company investing assets of 
its general account and the exemptions provided by Section III(a) of Department 
of Labor Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 
12, 1995) (the "Exemptions") apply to the Investor's acquisition and holding of 
any ERISA-Restricted Certificate. All capitalized terms used and not defined in 
this certificate shall have the meanings ascribed thereto in the Agreement      
referred to in paragraph 3 hereof.                                              

     3. The Investor hereby acknowledges that under the terms of the Pooling and
Servicing Agreement (the "Agreement") between State Street Bank and Trust       
Company, as Trustee and GE Capital Mortgage Services, Inc., dated as of June 1, 
1999, no transfer of any ERISA-Restricted Certificate shall be permitted to be  
made to any Person unless the Trustee has received (i) a certificate from such  
transferee to the effect that (x) such transferee is not an employee benefit    
plan subject to ERISA or a plan subject to Section 4975 of the Code (a "Plan")  
or a Person that is using the assets of a Plan to acquire any such Certificate  
or (y) such transferee is an insurance company investing assets of its general  
account and the Exemptions apply to such transferee's acquisition and holding of
any such Certificate or (ii) an opinion of counsel satisfactory to the Trustee  
and the Company to the effect that the purchase and holding of any such         
Certificate will not constitute or result in the assets of the Trust Fund       
created by the Agreement being deemed to be "plan assets" subject to the        
prohibited transaction provisions of ERISA or Section 4975 of the Code and will 
not subject the Trustee or the Company to any obligation in addition to those   
undertaken in the Agreement (provided, however, that the Trustee will not       
require such certificate or opinion in the event that, as a result of change of 
law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to
the effect that the purchase and holding of any such Certificate by a Plan or a 
Person that is purchasing or holding any such Certificate with the assets of a  
Plan will not constitute or result in a prohibited transaction under ERISA or   
Section 4975 of the Code).                                                      

  [4. The ERISA-Restricted Certificates shall be registered in the name of
______________________________________________ as nominee for the Investor.]    

IN WITNESS WHEREOF, the Investor has caused this instrument to be executed on   
its behalf, pursuant to authority of its Board of Directors, by its [title of   
officer] __________________ and its corporate seal to be hereunder attached,    
attested by its [Assistant] Secretary, this ____ day of _________, 199_.        

                                       _______________________________________
                  [name of Investor]
                                       By:____________________________________
           Name:
            Title:

The undersigned hereby                                                
acknowledges that it is holding                                                 
and will hold the ERISA-Restricted                                              
Certificates at the exclusive                                                   
direction of and as nominee of                                                  
the Investor named above.                                                       

_______________________________                                                 
[name of nominee]                                                               

By:____________________________                                                 
Name:                                                                     
Title:                                                                    

EX-4.1
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 EXHIBIT F

 FORM OF RESIDUAL CERTIFICATE TRANSFEREE AFFIDAVIT

STATE OF            )                                                           
) ss.:                                  
COUNTY OF           )                                                           

[NAME OF OFFICER], _________________ being first duly sworn, deposes and says:  

     1. That he [she] is [title of officer] ________________________ of [name of
Purchaser] _________________________________________ (the "Purchaser"), a       
_________________ ____________________ [description of type of entity] duly     
organized and existing under the laws of the [State of __________] [United      
States], on behalf of which he [she] makes this affidavit.                      

2. That the Purchaser's Taxpayer Identification Number is [ ].        

3. That the Purchaser is not a "disqualified organization" within the 
meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended  
(the "Code") and will not be a "disqualified organization" as of [date of       
transfer], and that the Purchaser is not acquiring a Residual Certificate (as   
defined below) for the account of, or as agent (including a broker, nominee, or 
other middleman) for, any person or entity from which it has not received an    
affidavit substantially in the form of this affidavit. For these purposes, a    
"disqualified organization" means the United States, any state or political     
subdivision thereof, any foreign government, any international organization, any
agency or instrumentality of any of the foregoing (other than an instrumentality
if all of its activities are subject to tax and a majority of its board of      
directors is not selected by such governmental entity), any cooperative         
organization furnishing electric energy or providing telephone service to       
persons in rural areas as described in Code Section 1381(a)(2)(C), or any       
organization (other than a farmers' cooperative described in Code Section 521)  
that is exempt from federal income tax unless such organization is subject to   
the tax on unrelated business income imposed by Code Section 511. As used       
herein, "Residual Certificate" means any Certificate designated as a "Class R   
Certificate" of GE Capital Mortgage Services, Inc.'s REMIC Mortgage Pass-Through
Certificates, Series 1999-13.                                                   

     4. That the Purchaser is not, and on __________ [insert date of transfer of
Residual Certificate to Purchaser] will not be, and is not and on such date will
not be investing the assets of, an employee benefit plan subject to the Employee
Retirement Income Security Act of 1974, as amended ("ERISA"), or a plan subject 
to Code Section 4975 or a person or entity that is using the assets of any      
employee benefit plan or other plan to acquire a Residual Certificate.          

5. That the Purchaser hereby acknowledges that under the terms of the 
Pooling and Servicing Agreement (the "Agreement") between State Street Bank and 
Trust Company, as Trustee, and GE Capital Mortgage Services, Inc., dated as of  
June 1, 1999, no transfer of the Residual Certificates shall be permitted to be 
made to any person unless the Trustee has received a certificate from such      
transferee to the effect that such transferee is not an employee benefit plan   
subject to ERISA or a plan subject to Section 4975 of the Code and is not using 
the assets of any employee benefit plan or other plan to acquire Residual       
Certificates.                                                                   

     6. That the Purchaser does not hold REMIC residual securities as nominee to
facilitate the clearance and settlement of such securities through electronic   
book-entry changes in accounts of participating organizations (such entity, a   
"Book-Entry Nominee").                                                          

    7. That the Purchaser does not have the intention to impede the assessment
or collection of any federal, state or local taxes legally required to be paid  
with respect to such Residual Certificate.                                      

8. That the Purchaser will not transfer a Residual Certificate to any 
person or entity (i) as to which the Purchaser has actual knowledge that the    
requirements set forth in paragraph 3, paragraph 6 or paragraph 10 hereof are   
not satisfied or that the Purchaser has reason to believe does not satisfy the  
requirements set forth in paragraph 7 hereof, and (ii) without obtaining from   
the prospective Purchaser an affidavit substantially in this form and providing 
to the Trustee a written statement substantially in the form of Exhibit G to the
Agreement.                                                                      

9. That the Purchaser understands that, as the holder of a Residual   
Certificate, the Purchaser may incur tax liabilities in excess of any cash flows
generated by the interest and that it intends to pay taxes associated with      
holding such Residual Certificate as they become due.                           

   10. That the Purchaser (i) is not a Non-U.S. Person or (ii) is a Non-U.S.
Person that holds a Residual Certificate in connection with the conduct of a    
trade or business within the United States and has furnished the transferor and 
the Trustee with an effective Internal Revenue Service Form 4224 or successor   
form at the time and in the manner required by the Code or (iii) is a Non-U.S.  
Person that has delivered to both the transferor and the Trustee an opinion of a
nationally recognized tax counsel to the effect that the transfer of such       
Residual Certificate to it is in accordance with the requirements of the Code   
and the regulations promulgated thereunder and that such transfer of a Residual 
Certificate will not be disregarded for federal income tax purposes. "Non-U.S.  
Person" means an individual, corporation, partnership or other person other than
(i) a citizen or resident of the United States; (ii) a corporation (or entity   
treated as a corporation for tax purposes) created or organized in the United   
States or under the laws of the United States or of any state thereof,          
including, for this purpose, the District of Columbia; (iii) a partnership (or  
entity treated as a partnership for tax purposes) organized in the United States
or under the laws of the United States or of any state thereof, including, for  
this purpose, the District of Columbia (unless provided otherwise by future     
Treasury regulations); (iv) an estate whose income is includible in gross income
for United States income tax purposes regardless of its source; or (v) a trust, 
if a court within the United States is able to exercise primary supervision over
the administration of the trust and one or more U.S. Persons have authority to  
control all substantial decisions of the trust. Notwithstanding the last clause 
of the preceding sentence, to the extent provided in Treasury regulations,      
certain trusts in existence on August 20, 1996, and treated as U.S. Persons     
prior to such date, may elect to continue to be U.S. Persons.                   

11. That the Purchaser agrees to such amendments of the Pooling and   
Servicing Agreement as may be required to further effectuate the restrictions on
transfer of any Residual Certificate to such a "disqualified organization," an  
agent thereof, a Book-Entry Nominee, or a person that does not satisfy the      
requirements of paragraph 7 and paragraph 10 hereof.                            

  12. That the Purchaser consents to the designation of the Company as its
agent to act as "tax matters person" of the Trust Fund, pursuant to the Pooling 
and Servicing Agreement.                                                        

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     IN WITNESS WHEREOF, the Purchaser has caused this instrument to be executed
on its behalf, pursuant to authority of its Board of Directors, by its [title of
officer] this _____ day of __________, 19__.                                    

                                 _________________________________
                   [name of Purchaser]

                                 By:______________________________
           Name:
            Title:

Personally appeared before me the above-named [name of officer]                 
________________, known or proved to me to be the same person who executed the  
foregoing instrument and to be the [title of officer] _________________ of the  
Purchaser, and acknowledged to me that he [she] executed the same as his [her]  
free act and deed and the free act and deed of the Purchaser.                   

Subscribed and sworn before me this _____ day of __________, 19__.              

NOTARY PUBLIC                                                                   

______________________________                                                  

COUNTY OF_____________________                                                  

STATE OF______________________                                                  

My commission expires the _____ day of __________, 19__.                        

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 EXHIBIT G

[LETTER FROM TRANSFEROR OF RESIDUAL CERTIFICATE]

                   ___________________
              Date

State Street Bank and Trust Company                                             
Corporate Trust Department                                                      
225 Franklin Street                                                             
8th Floor                                                                       
Boston, Massachusetts   02110                                                   

Re:  GE Capital Mortgage Services, Inc.                     
REMIC Mortgage Pass-Through                       
Certificates, Series 1999-13                      
----------------------------                      

Ladies and Gentlemen:                                                           

_______________________ (the "Transferor") has reviewed the attached  
affidavit of _____________________________ (the "Transferee"), and has no actual
knowledge that such affidavit is not true and has no reason to believe that the 
information contained in paragraph 7 thereof is not true, and has no reason to  
believe that the Transferee has the intention to impede the assessment or       
collection of any federal, state or local taxes legally required to be paid with
respect to a Residual Certificate. In addition, the Transferor has conducted a  
reasonable investigation at the time of the transfer and found that the         
Transferee had historically paid its debts as they came due and found no        
significant evidence to indicate that the Transferee will not continue to pay   
its debts as they become due.                                                   

                 Very truly yours,

                               _______________________________
     Name:
      Title:

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 EXHIBIT H

ADDITIONAL SERVICER COMPENSATION

QUALIFIED ADMINISTRATIVE EXPENSES                                               
(Conventional, Non-Conforming Loans)                                            

Assumption Fees                                $550 - $800                      

Late Charges                                   Per Loan Documents               

Appraisal/Inspection Fees                      Reasonable and Customary Charges 

Partial Release Fees                           $300                             

Easements                                      $150                             
Insufficient Funds Charges                     $15                              

Document Requests (copies of loan file                                          
documents, additional pay-off quotations,                                       
amortization schedules, payment histories)     $0                               

Modification Fees                              Reasonable and Customary Charges 

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 EXHIBIT I

 FORM OF INVESTMENT LETTER FOR
DEFINITIVE RESTRICTED CERTIFICATES

                     _____________________
                    Date

State Street Bank and Trust Company                                             
Corporate Trust Department                                                      
225 Franklin Street                                                             
8th Floor                                                                       
Boston, Massachusetts   02110                                                   

Re:  GE Capital Mortgage Services, Inc.                     
REMIC Mortgage Pass Through                       
Certificates, Series 1999-13                      
----------------------------                      

Ladies and Gentlemen:                                                           

1. The undersigned, a [title of officer] _______________ of [name of  
Investor] _________________________________________ (the "Investor"), a         
______________ ___________________ [description of type of entity] duly         
organized and existing under the laws of the [State of __________________]      
[United States], hereby certifies as follows:                                   

     2. The Investor hereby acknowledges that under the terms of the Pooling and
Servicing Agreement between State Street Bank and Trust Company, as Trustee, and
GE Capital Mortgage Services, Inc. (the "Company"), dated as of June 1, 1999    
(the "Agreement"), no transfer of a Restricted Certificate may be made unless   
such transfer is exempt from the registration requirements of the Securities Act
of 1933, as amended (the "Securities Act"), and any applicable state securities 
laws, or is made in accordance with the Securities Act and such laws.           

   3. The Investor understands that (a) the Restricted Certificates have not
been and will not be registered or qualified under the Securities Act, or the   
securities laws of any state, (b) neither the Company nor the Trustee is        
required, and neither intends, to so register or qualify the Restricted         
Certificates, (c) the Restricted Certificates cannot be resold unless (i) they  
are registered and qualified under the Securities Act and the applicable state  
securities laws or (ii) such sale is exempt from the requirements of the        
Securities Act, (d) the Agreement contains restrictions regarding the transfer  
of the Restricted Certificates and (e) the Restricted Certificates will bear a  
legend to the foregoing effect.                                                 

4. The Investor is acquiring the Restricted Certificates for its own  
account for investment only and not with a view to or for sale or other transfer
in connection with any distribution of the Restricted Certificates in any manner
that would violate the Securities Act or any applicable state securities laws.  

    5. The Investor (a) is a substantial, sophisticated institutional investor
having such knowledge and experience in financial and business matters, and in  
particular in such matters related to securities similar to the Restricted      
Certificates, such that it is capable of evaluating the merits and risks of     
investment in the Restricted Certificates, (b) is able to bear the economic     
risks of such an investment and (c) is an "accredited investor" within the      
meaning of Rule 501(a)(1), (2), (3) or (7) promulgated pursuant to the          
Securities Act.                                                                 

    6. The Investor will not authorize nor has it authorized any person to (a)
offer, pledge, sell, dispose of or otherwise transfer any Restricted            
Certificate, any interest in any Restricted Certificate or any other similar    
security to any person in any manner, (b) solicit any offer to buy or to accept 
a pledge, disposition or other transfer of any Restricted Certificate, any      
interest in any Restricted Certificate or any other similar security from any   
person in any manner, (c) otherwise approach or negotiate with respect to any   
Restricted Certificate, any interest in any Restricted Certificate or any other 
similar security with any person in any manner, (d) make any general            
solicitation by means of general advertising or in any other manner, or (e) take
any other action that would constitute a distribution of any Restricted         
Certificate under the Securities Act, that would render the disposition of any  
Restricted Certificate a violation of Section 5 of the Securities Act or any    
state securities law, or that could require registration or qualification       
pursuant thereto. Neither the Investor nor anyone acting on its behalf has      
offered the Restricted Certificates for sale or made any general solicitation by
means of general advertising or in any other manner with respect to the         
Restricted Certificates. The Investor will not sell or otherwise transfer any of
the Restricted Certificates, except in compliance with the provisions of the    
Agreement.                                                                      

    7. If an Investor in a Restricted Certificate sells or otherwise transfers
any such Certificate to a transferee other than a "qualified institutional      
buyer" under Rule 144A of the Securities Act, such Investor will obtain (a) from
any subsequent purchaser the same certifications, representations, warranties   
and covenants contained in the foregoing paragraphs and in this paragraph or (b)
an opinion of counsel in form and substance satisfactory to the Trustee pursuant
to the Agreement.                                                               

    8. The Investor hereby indemnifies the Trustee and the Company against any
liability that may result if the Investor's transfer of a Restricted Certificate
(or any portion thereof) is not exempt from the registration requirements of the
Securities Act and any applicable state securities laws or is not made in       
accordance with such federal and state laws. Such indemnification of the Trustee
and the Company shall survive the termination of the Agreement.                 

[9. The Restricted Certificates shall be registered in the name of    
_____________________________ as nominee for the Investor.]                     

    IN WITNESS WHEREOF, the Investor has caused this instrument to be executed
on its behalf, pursuant to authority of its Board of Directors, by its [title of
officer] _____________ this _____ day of __________, 19__.                      

                                 _________________________________
                  [name of Investor]

                                 By:______________________________
           Name:
            Title:

  The undersigned hereby acknowledges that it is holding and will hold the
Restricted Certificates at the exclusive direction of and as nominee of the     
Investor named above.                                                           

______________________________                                                  
[name of nominee]                                                               

By:__________________________                                                   
Name:                                                                     
Title:                                                                    

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 EXHIBIT J

 FORM OF DISTRIBUTION DATE STATEMENT

 _________________, ______
 (month)            (year)

GE CAPITAL MORTGAGE SERVICES, INC.
 REMIC Mortgage Pass-Through Certificates,
Series 1999-13

  Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1999
(the "Agreement") between GE Capital Mortgage Services, Inc. (the "Company"),   
and State Street Bank and Trust Company (the "Trustee"), governing the          
Certificates referred to above, the Company hereby certifies to the Trustee:    

 With respect to the Agreement and as of the Determination Date for this
month:                                                                          

The amounts below are for a Single Certificate of $1,000:     

(1)  Amount of distribution allocable to principal:         

Class A1                           $__________    
Class A2                           $__________    
Class A3                           $__________    
Class A4                           $__________    
Class A5                           $__________    
Class A6                           $__________    
Class A7                           $__________    
Class A8                           $__________    
Class A9                           $__________    
Class A10                          $__________    
Class A11                          $__________    
Class A12                          $__________    
Class A13                          $__________    
Class A14                          $__________    
Class A15                          $__________    
Class A16                          $__________    
Class A17                          $__________    
Class PO                           $__________    
Class M                            $__________    
Class B1                           $__________    
Class B2                           $__________    
Class B3                           $__________    
Class B4                           $__________    
Class B5                           $__________    
Class R                            $__________    

  (2)  Aggregate principal prepayments included in distribution:

Class A1                           $__________    
Class A2                           $__________    
Class A3                           $__________    
Class A4                           $__________    
Class A5                           $__________    
Class A6                           $__________    
Class A7                           $__________    
Class A8                           $__________    
Class A9                           $__________    
Class A10                          $__________    
Class A11                          $__________    
Class A12                          $__________    
Class A13                          $__________    
Class A14                          $__________    
Class A15                          $__________    
Class A16                          $__________    
Class A17                          $__________    
Class PO                           $__________    
Class M                            $__________    
Class B1                           $__________    
Class B2                           $__________    
Class B3                           $__________    
Class B4                           $__________    
Class B5                           $__________    
Class R                            $__________    

    (3)  Amount of distribution allocable to interest; Pay-out Rate:

     Class A1            $__________                   ____%
     Class A2            $__________                   ____%
     Class A3            $__________                   ____%
     Class A4            $__________                   ____%
     Class A5            $__________                   ____%
     Class A6            $__________                   ____%
     Class A7            $__________                   ____%
     Class A8            $__________                   ____%
     Class A9            $__________                   ____%
     Class A10           $__________                   ____%
     Class A11           $__________                   ____%
     Class A12           $__________                   ____%
     Class A13           $__________                   ____%
     Class A15           $__________                   ____%
     Class A16           $__________                   ____%
     Class A17           $__________                   ____%
     Class M             $__________                   ____%
     Class B1            $__________                   ____%
     Class B2            $__________                   ____%
     Class B3            $__________                   ____%
     Class B4            $__________                   ____%
     Class B5            $__________                   ____%
     Class R             $__________                   ____%
     Class S             $__________                   ____%

(4)  Accrual Amount:                                        

N/A                                               

      (5)  Amount of distribution allocable to Unanticipated Recoveries:

     Class A1            $__________                   ____%
     Class A2            $__________                   ____%
     Class A3            $__________                   ____%
     Class A4            $__________                   ____%
     Class A5            $__________                   ____%
     Class A6            $__________                   ____%
     Class A7            $__________                   ____%
     Class A8            $__________                   ____%
     Class A9            $__________                   ____%
     Class A10           $__________                   ____%
     Class A11           $__________                   ____%
     Class A12           $__________                   ____%
     Class A13           $__________                   ____%
     Class A14           $__________                   ____%
     Class A15           $__________                   ____%
     Class A16           $__________                   ____%
     Class A17           $__________                   ____%
     Class PO            $__________                   ____%
     Class M             $__________                   ____%
     Class B1            $__________                   ____%
     Class B2            $__________                   ____%
     Class B3            $__________                   ____%
     Class B4            $__________                   ____%
     Class B5            $__________                   ____%
     Class R             $__________                   ____%

      (6)  Servicing Compensation:                           $__________

The amounts below are for the aggregate of all Certificates:

    (7)  Pool Scheduled Principal Balance; number of Mortgage Loans:
                                         $__________          __________

   (8)  Class Certificate Principal Balance (or Notional Principal
       Balance) of each Class; Certificate Principal Balance (or
              Notional Principal Balance) of Single Certificate of each Class:

                                              Single
                                               Certificate
  Class               Balance                  Balance
  -----               -------                  -------

      Class A1            $__________              $__________
      Class A2            $__________              $__________
      Class A3            $__________              $__________
      Class A4            $__________              $__________
      Class A5            $__________              $__________
      Class A6            $__________              $__________
      Class A7            $__________              $__________
      Class A8            $__________              $__________
      Class A9            $__________              $__________
      Class A10           $__________              $__________
      Class A11           $__________              $__________
      Class A12           $__________              $__________
      Class A13           $__________              $__________
      Class A14           $__________              $__________
      Class A15           $__________              $__________
      Class A16           $__________              $__________
      Class A17           $__________              $__________
      Class PO            $__________              $__________
      Class M             $__________              $__________
      Class B1            $__________              $__________
      Class B2            $__________              $__________
      Class B3            $__________              $__________
      Class B4            $__________              $__________
      Class B5            $__________              $__________
      Class R             $__________              $__________
      Class S             $__________              $__________

(9)  Book value of real estate acquired on behalf of        
   Certificateholders; number of related Mortgage Loans:
                                         $__________          __________

       (10) Aggregate Scheduled Principal Balance and number of delinquent
Mortgage Loans:                                   

           30-59 days delinquent         $__________          __________
           60-89 days delinquent         $__________          __________
           90 or more days delinquent    $__________          __________
           In foreclosure                $__________          __________

     (11) Aggregate Scheduled Principal Balance and number of replaced
           Mortgage Loans:               $__________          __________

(12) Certificate Interest Rate of:                          

           Class A2 Certificate:                             __________%
           Class A4 Certificate:                             __________%
           Class S Certificate:                              __________%

      (13) Senior Percentage for such Distribution Date:     __________%

 (14) Senior Prepayment Percentage for such Distribution Date:
                                                             __________%

      (15) Class A3 Percentage for such Distribution Date:   __________%

          (16) Class A3 Prepayment Distribution Percentage for such Distribution
           Date:                                             __________%

      (17) Junior Percentage for such Distribution Date:     __________%

 (18) Junior Prepayment Percentage for such Distribution Date:
                                                             __________%

     Capitalized terms used in this Statement shall have the same meanings as in
the Agreement.                                                                  

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 EXHIBIT K

 FORM OF SPECIAL SERVICING
 AND COLLATERAL FUND AGREEMENT

   This SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT (the "Agreement") is
made and entered into as of ____________________, 199_, between GE Capital      
Mortgage Services, Inc. (the "Company") and _____________________________ (the  
"Purchaser").                                                                   

 PRELIMINARY STATEMENT

  ___________________________ or an affiliate thereof is the holder of the
entire interest in REMIC Mortgage Pass-Through Certificates, Series 199_-__,    
Class B_ (the "Class B_ Certificates"). The Class B_ Certificates were issued   
pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing       
Agreement") dated as of ________ 1, 199_ between the Company (in its capacity as
servicer thereunder, the "Servicer") and State Street Bank and Trust Company as 
Trustee.                                                                        

    ____________________________ or an affiliate thereof intends to resell all
of the Class B_ Certificates directly to the Purchaser on or promptly after the 
date hereof.                                                                    

In connection with such sale, the parties hereto have agreed that the 
Company, as Servicer, will engage in certain special servicing procedures       
relating to foreclosures for the benefit of the Purchaser, and that the         
Purchaser will deposit funds in a collateral fund to cover any losses           
attributable to such procedures as well as all advances and costs in connection 
therewith, as set forth herein.                                                 

 [The parties hereto have further agreed that the Purchaser will have no
rights, and the Company will have no obligations under this Agreement until the 
Class Certificate Principal Balance of the REMIC Mortgage Pass-Through          
Certificates, Series 199_-__, Class B5 (the "Class B5 Certificates") has been   
reduced to zero, and any Special Servicing and Collateral Fund Agreement in     
respect of such Class between the Company and the Purchaser has been            
terminated.]                                                                    

     In consideration of the mutual agreements herein contained, the receipt and
sufficiency of which are hereby acknowledged, the Company and the Purchaser     
agree that the following provisions shall become effective and shall be binding 
on and enforceable by the Company and the Purchaser upon the acquisition by the 
Purchaser of the Class B_ Certificates.                                         

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 ARTICLE I

 DEFINITIONS

     Section 1.01. Defined Terms. Whenever used in this Agreement, the following
words and phrases, unless the context otherwise requires, shall have the        
following meanings:                                                             

   Business Day: Any day other than (i) a Saturday or a Sunday of (ii) a day
on which banking institutions in New York City or Boston, Massachusetts are     
required or authorized by law or executive order to be closed.                  

  Collateral Fund: The fund established and maintained pursuant to Section
3.01 hereof.                                                                    

Collateral Fund Permitted Investments: Either (i) obligations of, or  
obligations fully guaranteed as to principal and interest by, the United States,
or any agency or instrumentality thereof, provided such obligations are backed  
by the full faith and credit of the United States, (ii) repurchase agreements on
obligations specified in clause (i) provided that the unsecured obligations of  
the party agreeing to repurchase such obligations are at the time rated by each 
Rating Agency in the highest long-term rating category, (iii) federal funds,    
certificates of deposit, time deposits and banker's acceptances of any U.S.     
depository institution or trust company incorporated under the laws of the      
United States or any state provided that the debt obligations of such depository
institution or trust company at the date of acquisition thereof have been rated 
by each Rating Agency in the highest long-term rating category, (iv) commercial 
paper of any corporation incorporated under the laws of the United States or any
state thereof which on the date of acquisition has the highest short term rating
of each Rating Agency, and (v) other obligations or securities that are         
acceptable to each Rating Agency as a Collateral Fund Permitted Investment      
hereunder and will not, as evidenced in writing, result in a reduction or       
withdrawal in the then current rating of the Certificates and, for each of the  
preceding clauses, the maturity thereof shall be not later than the earlier to  
occur of (A) 30 days from the date of the related investment and (B) the        
Business Day preceding the next succeeding Distribution Date.                   

     Commencement of Foreclosure: The first official action required under local
law in order to commence foreclosure proceedings or to schedule a trustee's sale
under a deed of trust, including (i) in the case of a mortgage, any filing or   
service of process necessary to commence an action to foreclose, or (ii) in the 
case of a deed of trust, the posting, publishing, filing or delivery of a notice
of sale, but not including in either case (x) any notice of default, notice of  
intent to foreclose or sell or any other action prerequisite to the actions     
specified in (i) or (ii) above and, upon the consent of the Purchaser which will
be deemed given unless expressly withheld within two Business Days of           
notification, (y) the acceptance of a deed-in-lieu of foreclosure (whether in   
connection with a sale of the related property or otherwise) or (z) initiation  
and completion of a short pay-off.                                              

Current Appraisal: With respect to any Mortgage Loan as to which the  
Purchaser has made an Election to Delay Foreclosure, an appraisal of the related
Mortgaged Property obtained by the Purchaser as nearly contemporaneously as     
practicable to the time of the Purchaser's election, prepared based on the      
Company's customary requirements for such appraisals.                           

   Election to Delay Foreclosure: Any election by the Purchaser to delay the
Commencement of Foreclosure, made in accordance with Section 2.02(b).           

  Election to Foreclose: Any election by the Purchaser to proceed with the
Commencement of Foreclosure, made in accordance with Section 2.03(a).           

Required Collateral Fund Balance: As of any date of determination, an 
amount equal to the aggregate of all amounts previously required to be deposited
in the Collateral Fund pursuant to Section 2.02(d) (after adjustments for all   
withdrawals and deposits prior to such date pursuant to Section 2.02(e)) and    
Section 2.03(b) (after adjustment for all withdrawals and deposits prior to such
date pursuant to Section 2.03(c)) and Section 3.02, reduced by all withdrawals  
therefrom prior to such date pursuant to Section 2.02(g) and Section 2.03(d).   

    Section 1.02. Definitions Incorporated by Reference. All capitalized terms
not otherwise defined in this Agreement shall have the meanings assigned in the 
Pooling and Servicing Agreement.                                                

ARTICLE II

SPECIAL SERVICING PROCEDURES

Section 2.01. Reports and Notices.                                    

    (a) In connection with the performance of its duties under the Pooling and
Servicing Agreement relating to the realization upon defaulted Mortgage Loans,  
the Company as Servicer shall provide to the Purchaser the following notices and
reports:                                                                        

  (i) Within five Business Days after each Distribution Date (or
   included in or with the monthly statements to Certificateholders pursuant
  to the Pooling and Servicing Agreement), the Company, as Servicer, shall
provide to the Purchaser a report, using the same methodology and     
  calculations in its standard servicing reports, indicating for the Trust
     Fund the number of Mortgage Loans that are (A) thirty days, (B) sixty days,
  (C) ninety days or more delinquent or (D) in foreclosure, and indicating
for each such Mortgage Loan the loan number and outstanding principal 
balance.                                                              

        (ii) Prior to the Commencement of Foreclosure in connection with any
    Mortgage Loan, the Company shall provide the Purchaser with a notice (sent
by facsimile transmission) of such proposed and imminent foreclosure, 
   stating the loan number and the aggregate amount owing under the Mortgage
     Loan. Such notice may be provided to the Purchaser in the form of a copy of
a referral letter from the Company to an attorney requesting the      
    institution of foreclosure or a copy of a request to foreclose received by
  the Company from the related primary servicer which has been approved by
the Company.                                                          

 (b) If requested by the Purchaser, the Company shall make its servicing
personnel available (during their normal business hours) to respond to          
reasonable inquiries, in writing by facsimile transmission, by the Purchaser in 
connection with any Mortgage Loan identified in a report under subsection (a)(i)
or (a)(ii) which has been given to the Purchaser, provided, that (1) the Company
shall only be required to provide information that is readily accessible to its 
servicing personnel and is non-confidential and (2) the Company shall respond   
within five Business Days orally or in writing by facsimile transmission.       

(c) In addition to the foregoing, the Company shall provide to the    
Purchaser such information as the Purchaser may reasonably request concerning   
each Mortgage Loan that is at least sixty days delinquent and each Mortgage Loan
which has become real estate owned, through the final liquidation thereof,      
provided, that the Company shall only be required to provide information that is
readily accessible to its servicing personnel and is non-confidential.          

Section 2.02. Purchaser's Election to Delay Foreclosure Proceedings.  

   (a) The Purchaser shall be deemed to direct the Company that in the event
that the Company does not receive written notice of the Purchaser's election    
pursuant to subsection (b) below within 24 hours (exclusive of any intervening  
non-Business Days) of transmission of the notice provided by the Company under  
Section 2.01(a)(ii) subject to extension as set forth in Section 2.02(b), the   
Company may proceed with the Commencement of Foreclosure in respect of such     
Mortgage Loan in accordance with its normal foreclosure policies without further
notice to the Purchaser. Any foreclosure that has been initiated may be         
discontinued (i) without notice to the Purchaser if the Mortgage Loan has been  
brought current or if a refinancing or prepayment occurs with respect to the    
Mortgage Loan (including by means of a short payoff approved by the Company) or 
(ii) with notice to the Purchaser if the Company has reached the terms of a     
forbearance agreement with the borrower. In such latter case the Company may    
complete such forbearance agreement unless instructed otherwise by the Purchaser
within two Business Days of notification.                                       

 (b) In connection with any Mortgage Loan with respect to which a notice
under Section 2.01(a)(ii) has been given to the Purchaser, the Purchaser may    
elect to instruct the Company to delay the Commencement of Foreclosure until    
such time as the Purchaser determines that the Company may proceed with the     
Commencement of Foreclosure. Such election must be evidenced by written notice  
received within 24 hours (exclusive of any intervening non-Business Days) of    
transmission of the notice provided by the Company under Section 2.01(a)(ii).   
The Purchaser shall send a copy of such notice of election to each Rating Agency
as soon as practicable thereafter. Such 24-hour period shall be extended for no 
longer than an additional four Business Days after the receipt of the           
information if the Purchaser requests additional information related to such    
foreclosure within such 24-hour period; provided, however, that the Purchaser   
will have at least one Business Day to make such election following its receipt 
of any requested additional information. Any such additional information shall  
(i) not be confidential in nature and (ii) be obtainable by the Company from    
existing reports, certificates or statements or otherwise be readily accessible 
to its servicing personnel. The Purchaser agrees that it has no right to deal   
with the mortgagor. However, if the Company's normal foreclosure policies       
include acceptance of a deed-in-lieu of foreclosure or short payoff, the        
Purchaser will be notified and given two Business Days to respond.              

     (c) With respect to any Mortgage Loan as to which the Purchaser has made an
Election to Delay Foreclosure, the Purchaser shall obtain a Current Appraisal as
soon as practicable, and shall provide the Company with a copy of such Current  
Appraisal.                                                                      

   (d) Within two Business Days of making any Election to Delay Foreclosure,
the Purchaser shall remit by wire transfer to the Trustee, for deposit in the   
Collateral Fund, an amount, as calculated by the Company, equal to the sum of   
(i) 125% of the greater of the Scheduled Principal Balance of the Mortgage Loan 
and the value shown in the Current Appraisal referred to in subsection (c) above
(or, if such Current Appraisal has not yet been obtained, the Company's estimate
thereof, in which case the required deposit under this subsection shall be      
adjusted upon obtaining such Current Appraisal), and (ii) three months' interest
on the Mortgage Loan at the applicable Mortgage Rate. If any Election to Delay  
Foreclosure extends for a period in excess of three months (such excess period  
being referred to herein as the "Excess Period"), the Purchaser shall remit by  
wire transfer in advance to the Trustee for deposit in the Collateral Fund the  
amount of each additional month's interest, as calculated by the Company, equal 
to interest on the Mortgage Loan at the applicable Mortgage Rate for the Excess 
Period. The terms of this Agreement will no longer apply to the servicing of any
Mortgage Loan upon the failure of the Purchaser to deposit the above amounts    
relating to the Mortgage Loan within two Business Days of (i) the Election to   
Delay Foreclosure or (ii) the beginning of the related Excess Period, as the    
case may be.                                                                    

     (e) With respect to any Mortgage Loan as to which the Purchaser has made an
Election to Delay Foreclosure, the Company or the Trustee may withdraw from the 
Collateral Fund from time to time amounts necessary to reimburse the Company for
all related Monthly Advances and Liquidation Expenses thereafter made by the    
Company as Servicer in accordance with the Pooling and Servicing Agreement. To  
the extent that the amount of any such Liquidation Expense is determined by the 
Company based on estimated costs, and the actual costs are subsequently         
determined to be higher, the Company or the Trustee may withdraw the additional 
amount from the Collateral Fund to reimburse the Company. In the event that the 
Mortgage Loan is brought current by the mortgagor, the amounts so withdrawn from
the Collateral Fund shall be redeposited therein as and to the extent that      
reimbursement therefor from amounts paid by the mortgagor is not prohibited     
pursuant to the Pooling and Servicing Agreement as of the date hereof. Except as
provided in the preceding sentence, amounts withdrawn from the Collateral Fund  
to cover Monthly Advances and Liquidation Expenses shall not be redeposited     
therein or otherwise reimbursed to the Purchaser. If and when any such Mortgage 
Loan is brought current by the mortgagor, all amounts remaining in the          
Collateral Fund in respect of such Mortgage Loan (after adjustment for all      
previous withdrawals and deposits pursuant to this subsection and after         
reimbursement to the Servicer for all related Monthly Advances) shall be        
released to the Purchaser.                                                      

     (f) With respect to any Mortgage Loan as to which the Purchaser has made an
Election to Delay Foreclosure, the Company shall continue to service the        
Mortgage Loan in accordance with its customary procedures (other than the delay 
in Commencement of Foreclosure as provided herein). If and when, following such 
election, the Purchaser shall notify the Company that it believes that it is    
appropriate to do so, the Company shall proceed with the Commencement of        
Foreclosure; provided that, in any event, if the Mortgage Loan is not brought   
current by the mortgagor by the time the loan becomes 6 months delinquent, the  
Purchaser's election shall no longer be effective, unless the Purchaser shall   
have purchased the related Mortgage Loan promptly following (and in any event   
not later than the third Business Day after) the end of such 6-month period in  
the manner provided in the following two sentences, and the Company shall be    
entitled to proceed with the Commencement of Foreclosure. Any purchase of such  
Mortgage Loan by the Purchaser pursuant to the preceding sentence shall be at a 
purchase price equal to the unpaid principal balance of the Mortgage Loan plus  
accrued interest at the Mortgage Rate from the date last paid by the mortgagor. 
Such purchase price shall be deposited by the Purchaser into the Collateral Fund
in immediately available funds on the Business Day which is the date of purchase
and the Purchaser shall instruct the Trustee (with notice to the Company) to    
withdraw such amount therefrom on such Business Day and remit the same to the   
Trust Fund for application as Liquidation Proceeds pursuant to the Pooling and  
Servicing Agreement. Following such withdrawal, all amounts remaining in the    
Collateral Fund in respect of such Mortgage Loan (after adjustment for all      
previous withdrawals and deposits pursuant to this Agreement and after          
reimbursement to the Servicer for all related Monthly Advances) shall be        
released to the Purchaser.                                                      

    (g) Upon the occurrence of a liquidation with respect to any Mortgage Loan
as to which the Purchaser made an Election to Delay Foreclosure and as to which 
the Company proceeded with the Commencement of Foreclosure in accordance with   
subsection (f) above, the Company shall calculate the amount, if any, by which  
the value shown on the Current Appraisal obtained under subsection (c) exceeds  
the actual sales price obtained for the related Mortgaged Property (net of      
Liquidation Expenses and unreimbursed Monthly Advances related to the extended  
foreclosure period), and the Company or the Trustee shall withdraw the amount of
such excess from the Collateral Fund and shall remit the same to the Trust Fund 
for application as additional Liquidation Proceeds pursuant to the Pooling and  
Servicing Agreement. After making such withdrawal, all amounts remaining in the 
Collateral Fund in respect of such Mortgage Loan (after adjustment for all      
withdrawals and deposits pursuant to subsection (e) and after reimbursement to  
the Servicer for all related Monthly Advances) shall be released to the         
Purchaser.                                                                      

 Section 2.03. Purchaser's Election to Commence Foreclosure Proceedings.

(a) In connection with any Mortgage Loan identified in a report under 
Section 2.01(a)(i)(B), the Purchaser may elect to instruct the Company to       
proceed with the Commencement of Foreclosure as soon as practicable. Such       
election must be evidenced by written notice received by the Company by 5:00    
p.m., New York City time, on the third Business Day following the delivery of   
such report under Section 2.01(a)(i).                                           

(b) Within two Business Days of making any Election to Foreclose, the 
Purchaser shall remit to the Trustee, for deposit in the Collateral Fund, an    
amount, as calculated by the Company, equal to 125% of the current Scheduled    
Principal Balance of the Mortgage Loan and three months' interest on the        
Mortgage Loan at the applicable Mortgage Rate. If and when any such Mortgage    
Loan is brought current by the mortgagor, all amounts in the Collateral Fund in 
respect of such Mortgage Loan (after adjustment for all withdrawals and deposits
pursuant to subsection (c) below) shall be released to the Purchaser. The terms 
of this Agreement will no longer apply to the servicing of any Mortgage Loan    
upon the failure of the Purchaser to deposit the above amounts relating to the  
Mortgage Loan within two Business Days of the Election to Foreclose.            

     (c) With respect to any Mortgage Loan as to which the Purchaser has made an
Election to Foreclose, the Company shall continue to service the Mortgage Loan  
in accordance with its customary procedures. In connection therewith, the       
Company shall have the same rights to make withdrawals for Monthly Advances and 
Liquidation Expenses from the Collateral Fund as are provided under Section     
2.02(e), and the Company shall make reimbursements thereto to the limited extent
provided under such subsection. The Company shall not be required to proceed    
with the Commencement of Foreclosure if (i) the same is stayed as a result of   
the mortgagor's bankruptcy or is otherwise barred by applicable law, or to the  
extent that all legal conditions precedent thereto have not yet been complied   
with, or (ii) the Company believes there is a breach of representations or      
warranties by the Company, which may result in a repurchase or substitution of  
such Mortgage Loan, or (iii) the Company has or expects to have the right under 
the Pooling and Servicing Agreement to purchase the defaulted Mortgage Loan and 
intends to exercise such right or (iv) the Company reasonably believes the      
Mortgaged Property may be contaminated with or affected by hazardous wastes or  
hazardous substances (and the Company supplies the Purchaser with information   
supporting such belief) or (v) the same is prohibited by or is otherwise        
inconsistent with the provisions of the Pooling and Servicing Agreement. Any    
foreclosure that has been initiated may be discontinued (i) without notice to   
the Purchaser if the Mortgage Loan has been brought current or if a refinancing 
or prepayment occurs with respect to the Mortgage Loan (including by means of a 
short payoff approved by the Purchaser) or (ii) with notice to the Purchaser if 
the Company has reached the terms of a forbearance agreement unless instructed  
otherwise by the Purchaser within two Business Days of notification.            

    (d) Upon the occurrence of a liquidation with respect to any Mortgage Loan
as to which the Purchaser made an Election to Foreclose and as to which the     
Company proceeded with the Commencement of Foreclosure in accordance with       
subsection (c) above, the Company shall calculate the amount, if any, by which  
the Scheduled Principal Balance of the Mortgage Loan at the time of liquidation 
(plus all unreimbursed Monthly Advances and Liquidation Expenses in connection  
therewith other than those previously paid from the Collateral Fund) exceeds the
actual sales price obtained for the related Mortgaged Property, and the Company 
or the Trustee shall withdraw the amount of such excess from the Collateral Fund
and shall remit the same to the Trust Fund for application as additional        
Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After     
making such withdrawal, all amounts remaining in the Collateral Fund (after     
adjustment for all withdrawals and deposits pursuant to subsection (c) above and
after reimbursement to the Servicer for all related Monthly Advances) in respect
of such Mortgage Loan shall be released to the Purchaser.                       

Section 2.04. Termination.                                            

(a) With respect to all Mortgage Loans included in the Trust Fund, the
Purchaser's right to make any Election to Delay Foreclosure or any Election to  
Foreclose and the Company's obligations under Section 2.01 shall terminate on   
the earliest to occur of the following: (i) at such time as the Class           
Certificate Principal Balance of the Class B_ Certificates has been reduced to  
zero, (ii) if the greater of (x) 43% (or such lower or higher percentage that   
represents the Company's actual loss experience with respect to the Mortgage    
Loans in the related pool) of the aggregate principal balance of all Mortgage   
Loans that are in foreclosure or are more than 90 days delinquent on a          
contractual basis and the aggregate book value of REO properties or (y) the     
aggregate amount that the Company estimates through its normal servicing        
practices will be required to be withdrawn from the Collateral Fund with respect
to Mortgage Loans as to which the Purchaser has made an Election to Delay       
Foreclosure or an Election to Foreclose exceeds (z) the then-current Class      
Certificate Principal Balance of the Class B_ Certificates, or (iii) upon any   
transfer by the Purchaser of any interest (other than the minority interest     
therein, but only if the transferee provides written acknowledgment to the      
Company of the Purchaser's right hereunder and that such transferee will have no
rights hereunder) in the Class B_ Certificates [or in the Class B5 Certificates]
(whether or not such transfer is registered under the Pooling and Servicing     
Agreement), including any such transfer in connection with a termination of the 
Trust Fund. Unless earlier terminated as set forth herein, this Agreement and   
the respective rights, obligations and responsibilities of the Purchaser and the
Company hereunder shall terminate immediately upon (x) the later to occur of (i)
the final liquidation of the last Mortgage Loan as to which the Purchaser made  
any Election to Delay Foreclosure or any Election to Foreclose and the          
withdrawal of all remaining amounts in the Collateral Fund as provided herein   
and (ii) ten (10) Business Days' notice or (y) the occurrence of any event that 
results in the Purchaser becoming an "affiliate" of the Trustee within the      
meaning of the Prohibited Transaction Exemption (as defined in the Pooling and  
Servicing Agreement).                                                           

(b) The Purchaser's rights pursuant to Section 2.02 or 2.03 of this   
Agreement shall terminate with respect to a Mortgage Loan as to which the       
Purchaser has exercised its rights under Section 2.02 or 2.03 hereof, upon      
Purchaser's failure to deposit any amounts required pursuant to Section 2.02(d) 
or 2.03(b) after one Business Day's notice of such failure.                     

     Section 2.05. Notification. The Purchaser shall promptly notify the Trustee
and the Company if such Purchaser becomes aware of any discussions, plans or    
events that might lead to such Person's becoming an "affiliate" (within the     
meaning of the Prohibited Transaction Exemption) of the Trustee, provided that  
the contents of any such notification shall be kept confidential by the parties 
to this Agreement.                                                              

 ARTICLE III

COLLATERAL FUND; SECURITY INTEREST

     Section 3.01. Collateral Fund. Upon payment by the Purchaser of the initial
amount required to be deposited in the Collateral Fund pursuant to Article II,  
the Company shall request the Trustee to establish and maintain with the Trustee
a segregated account entitled "REMIC Mortgage Pass-Through Certificates 199_-__ 
Collateral Fund, for the benefit of GE Capital Mortgage Services, Inc. and State
Street Bank and Trust Company on behalf of Certificateholders, as secured       
parties" (the "Collateral Fund"). Amounts held in the Collateral Fund shall     
continue to be the property of the Purchaser, subject to the first priority     
security interest granted hereunder for the benefit of such secured parties,    
until withdrawn from the Collateral Fund pursuant to the Section 2.02 or 2.03   
hereof.                                                                         

    Upon the termination of this Agreement and the liquidation of all Mortgage
Loans as to which the Purchaser has made any Election to Delay Foreclosure or   
any Election to Foreclose pursuant to Section 2.04 hereof, the Company shall    
distribute to the Purchaser all amounts remaining in the Collateral Fund        
together with any investment earnings thereon (after giving effect to all       
withdrawals therefrom permitted under this Agreement).                          

   The Purchaser shall not take or direct the Company or the Trustee to take
any action contrary to any provision of the Pooling and Servicing Agreement. In 
no event shall the Purchaser (i) take or cause the Trustee or the Company to    
take any action that could cause any REMIC established under the Pooling and    
Servicing Agreement to fail to qualify as a REMIC or cause the imposition on any
such REMIC of any "prohibited transaction" or "prohibited contribution" taxes or
(ii) cause the Trustee or the Company to fail to take any action necessary to   
maintain the status of any such REMIC as a REMIC.                               

    Section 3.02. Collateral Fund Permitted Investments. The Company shall, at
the written direction of the Purchaser, direct the Trustee to invest the funds  
in the Collateral Fund in the name of the Trustee in Collateral Fund Permitted  
Investments. Such direction shall not be changed more frequently then quarterly.
In the absence of any direction, the Company shall direct the Trustee select    
such investments in accordance with the definition of Collateral Fund Permitted 
Investments in its discretion.                                                  

  All income and gain realized from any investment as well as any interest
earned on deposits in the Collateral Fund (net of any losses on such            
investments) and any payments of principal made in respect of any Collateral    
Fund Permitted Investment shall be deposited in the Collateral Fund upon        
receipt. All costs and realized losses associated with the purchase and sale of 
Collateral Fund Permitted Investments shall be borne by the Purchaser and the   
amount of net realized losses shall be promptly deposited by the Purchaser in   
the Collateral Fund. The Company shall periodically (but not more frequently    
than monthly) direct the Trustee to distribute to the Purchaser upon request an 
amount of cash, to the extent cash is available therefor in the Collateral Fund,
equal to the amount by which the balance of the Collateral Fund, after giving   
effect to all other distributions to be made from the Collateral Fund on such   
date, exceeds the Required Collateral Fund Balance. Any amounts so distributed  
shall be released from the lien and security interest of this Agreement.        

Section 3.03. Grant of Security Interest. In order to secure the      
obligations of the Purchaser hereunder to the Company and the Trustee for the   
benefit of Certificateholders (other than its obligations under Section 4.10),  
the Purchaser hereby grants to the Company and to the Trustee for the benefit of
the Certificateholders a security interest in and lien on all of the Purchaser's
right, title and interest, whether now owned or hereafter acquired, in and to:  
(1) the Collateral Fund, (2) all amounts deposited in the Collateral Fund and   
Collateral Fund Permitted Investments in which such amounts are invested (and   
the distributions and proceeds of such investments) and (3) all cash and        
non-cash proceeds of any of the foregoing, including proceeds of the voluntary  
or involuntary conversion thereof (all of the foregoing collectively, the       
"Collateral").                                                                  

The Purchaser acknowledges the lien on and security interest in the   
Collateral for the benefit of the Company and the Trustee on behalf of the      
Certificateholders. The Purchaser shall take all actions requested by the       
Company or the Trustee as may be reasonably necessary to perfect the security   
interest created under this Agreement in the Collateral and cause it to be prior
to all other security interests and liens, including the execution and delivery 
to the Company or at its direction the Trustee for filing of appropriate        
financing statements in accordance with applicable law.                         

   Section 3.04. Collateral Shortfalls. In the event that amounts on deposit
in the Collateral Fund at any time are insufficient to cover any withdrawals    
therefrom that the Company or the Trustee is then entitled to make hereunder,   
the Purchaser shall be obligated to pay such amounts to the Company or the      
Trustee immediately upon demand. Such obligation shall constitute a general     
corporate obligation of the Purchaser. The failure to pay such amounts within   
two Business Days of such demand (except for amounts to cover interest on a     
Mortgage Loan pursuant to Sections 2.02(d) and 2.03(b)), shall cause an         
immediate termination of the Purchaser's right to make any Election to Delay    
Foreclosure or Election to Foreclose and the Company's obligations under this   
Agreement with respect to all Mortgage Loans to which such insufficiencies      
relate, without the necessity of any further notice or demand on the part of the
Company.                                                                        

ARTICLE IV

MISCELLANEOUS PROVISIONS

     Section 4.01. Amendment. This Agreement may be amended from time to time by
the Company and the Purchaser by written agreement signed by the Company and the
Purchaser provided that no such amendment shall have a material adverse effect  
on the holders of other Classes of Certificates.                                

   Section 4.02. Counterparts. This Agreement may be executed simultaneously
in any number of counterparts, each of which counterparts shall be deemed to be 
an original, and such counterparts shall constitute but one and the same        
instrument.                                                                     

Section 4.03. Governing Law. This Agreement shall be construed in     
accordance with the laws of the State of New York and the obligations, rights   
and remedies of the parties hereunder shall be determined in accordance with    
such laws.                                                                      

   Section 4.04. Notices. All demands, notices and direction hereunder shall
be in writing or by telecopy and shall be deemed effective upon receipt to:     

(a) in the case of the Company, with respect to notices pursuant to   
Sections 2.02 and 2.03 hereto,                                                  

GE Capital Mortgage Services, Inc.                
4680 Hallmark Parkway                             
San Bernadino, California  92407                  
Attention:  Ken Scheller                          
Telephone:  (909) 880-4608                        
Facsimile:  (909) 473-2273                        

 with respect to all other notices pursuant to this Agreement,

GE Capital Mortgage Services, Inc.                
Three Executive Campus                            
Cherry Hill, New Jersey  08002                    
Attention:  General Counsel                       
Telephone:  (609) 661-6515                        
Facsimile:  (609) 661-6875                        

         or such other address as may hereafter be furnished in writing by the
Company, or                                                 

(b) in the case of the Purchaser, with respect to notices pursuant to 
Section 2.01,                                                                   

___________________________________               
___________________________________               
___________________________________               
Attention:______________________                  
Telephone:______________________                  
Facsimile:______________________                  

 with respect to all other notices pursuant to this Agreement,

___________________________________               
___________________________________               
___________________________________               
Attention:______________________                  
Telephone:______________________                  
Facsimile:______________________                  

         or such other address as may hereafter be furnished in writing by the
Purchaser, or                                               

(c) in the case of the Trustee,                                       

State Street Bank and Trust Company               
Corporate Trust Department                        
8th Floor                                         
225 Franklin Street                               
Boston, Massachusetts  02110                      
Attention:  Karen Beard                           
Telephone:  (617) 664-5465                        
Facsimile:  (617) 664-5167                        

Section 4.05. Severability of Provisions. If any one or more of the   
covenants, agreements, provisions or terms of this Agreement shall be for any   
reason whatsoever, including regulatory, held invalid, then such covenants,     
agreements, provisions or terms shall be deemed severable from the remaining    
covenants, agreements, provisions or terms of this Agreement and shall in no way
affect the validity or enforceability of the other provisions of this Agreement.

     Section 4.06. Successor and Assigns. The provisions of this Agreement shall
be binding upon and inure to the benefit of the parties hereto and the          
respective successors and assigns of the parties hereto; provided, however, that
the rights under this Agreement cannot be assigned by the Purchaser without the 
consent of the Company.                                                         

Section 4.07. Article and Section Headings. The article and section   
headings herein are for convenience of reference only and shall not limit or    
otherwise affect the meaning hereof.                                            

Section 4.08. Third Party Beneficiaries. The Trustee on behalf of     
Certificateholders is the intended third party beneficiary of this Agreement.   

  Section 4.09. Confidentiality. The Purchaser agrees that all information
supplied by or on behalf of the Company pursuant to Section 2.01 or 2.02,       
including individual account information, is the property of the Company and the
Purchaser agrees to use such information solely for the purposes set forth in   
this Agreement and to hold such information confidential and not to disclose    
such information.                                                               

   Section 4.10. Indemnification. The Purchaser agrees to indemnify and hold
harmless the Company against any and all losses, claims, damages or liabilities 
to which it may be subject, insofar as such losses, claims, damages or          
liabilities (or actions in respect thereof) arise out of or are based upon      
actions taken by the Company in accordance with the provisions of this Agreement
and which actions conflict or are alleged to conflict with the Company's        
obligations under the Pooling and Servicing Agreement. The Purchaser hereby     
agrees to reimburse the Company on demand for the reasonable legal or other     
expenses incurred by it in connection with investigating or defending any such  
loss, claim, damage, liability or action.                                       

[Section 4.11. Delayed Effectiveness. The Purchaser agrees that,      
notwithstanding any other provision of this Agreement, the Purchaser shall have 
no rights hereunder, and the Company shall have no obligations hereunder, until 
the Class Certificate Principal Balance of the Class B5 Certificates has been   
reduced to zero and any Special Servicing and Collateral Fund Agreement between 
the Company and the Purchaser relating to such Class B5 Certificates has been   
terminated.]                                                                    

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   IN WITNESS WHEREOF, the Company and the Purchaser have caused their names
to be signed hereto by their respective officers thereunto duly authorized, all 
as of the day and year first above written.                                     

                                  GE CAPITAL MORTGAGE SERVICES, INC.

                                  By:  _____________________________
               Name:
                Title:

           [PURCHASER]

                                  By:  _____________________________
               Name:
                Title:

Acknowledged and agreed to:                                                     

STATE STREET BANK AND TRUST COMPANY                                             

By:________________________________                                             
Name:                                                                     
Title:                                                                    

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 EXHIBIT L

 FORM OF LOST NOTE AFFIDAVIT AND AGREEMENT

   I, _________________________________________, being duly sworn, do hereby
state under oath that:                                                          

1. I am a duly elected ______________________ of GE Capital Mortgage  
Services, Inc. (the "Company") and am duly authorized to make this affidavit.   

     2. This affidavit is being delivered in connection with the transfer of the
Mortgage Loan described in Paragraph 3 hereof by the Company pursuant to the    
Pooling and Servicing Agreement dated as of [date] between the Company, Seller  
and Servicer, and State Street Bank and Trust Company, Trustee, relating to the 
Company's REMIC Mortgage Pass-Through Certificates, Series [____] ("Agreement").
Such Mortgage Loan constitutes a Designated Loan.                               

 3. The Company is the payee under the following described Mortgage Note
("Mortgage Note") which evidences the obligation of the borrower(s) to repay the
Mortgage Loan:                                                                  
Loan Number: ___________________________________                      
Mortgage Note Date:_____________________________                      
Borrower(s): ___________________________________                      
Original Payee (if not the Company): ___________                      
Original Amount:________________________________                      
Mortgage Rate: _________________________________                      
Address of Mortgaged Property: _________________                      
________________________________________________                      

4. The Company is the lawful owner of the Mortgage Note and has not   
cancelled, altered, assigned or hypothecated the Mortgage Note.                 

5. The Company does not possess the executed original Mortgage Note.  

6. Attached hereto is a true and correct copy of the Mortgage Note.   

 7. The Mortgage Note has not been endorsed by the Company in any manner
inconsistent with its transfer of the Mortgage Loan under the Agreement.        

8. Without limiting the generality of the rights and remedies of the  
Trustee contained in the Agreement, the Company hereby confirms and agrees that 
in the event the inability to produce the executed original Mortgage Note       
results in a breach of the representations and warranties appearing in Agreement
subsections 2.03(a)(ii) (the validity and enforceability of the lien created by 
the Mortgage Loan) or (x) (no valid offset, defense or counterclaim to any      
Mortgage Note or Mortgage), the Company shall repurchase the Mortgage Loan at   
the Purchase Price and otherwise in accordance with Section 2.03(b) of the      
Agreement. In addition, the Company covenants and agrees to indemnify the       
Trustee and the Trust Fund from and hold them harmless against any and all      
losses, liabilities, damages, claims or expenses (other than those resulting    
from negligence or bad faith of the Trustee) arising from the Company's failure 
to have delivered the Mortgage Note to the Trustee, including without limitation
any such losses, liabilities, damages, claims or expenses arising from any      
action to enforce the indebtedness evidenced by the Mortgage Note or any claim  
by any third party who is the holder of such indebtedness by virtue of          
possession of the Mortgage Note.                                                

 9. In the event that the Company obtains the executed original Mortgage
Note, it shall promptly provide the Mortgage Note to the Trustee.               

    10. Capitalized terms not otherwise defined herein shall have the meanings
given them in the Agreement.                                                    

Date: _______________________                                                   

                              ______________________________
           (signature)

                              ______________________________
            (print name)

                              ______________________________
             (print title)

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State of New Jersey      )                                                      
)ss:                          
)                             

  On this ____________________day of ___________________, 199__, before me
appeared ____________________________, to me personally known, who acknowledged 
the execution of the foregoing and who, having been duly sworn states that      
he/she is a/the ______________________________of GE Capital Mortgage Services,  
Inc., that any representations therein contained are true, that this Lost Note  
Affidavit was signed and sealed on behalf of GE Capital Mortgage Services, Inc. 
and that this Lost Note Affidavit is the free act and deed of GE Capital        
Mortgage Services, Inc.                                                         

                                       _______________________________________
               (Notary Public)

[Notarial Seal]                                                                 

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 EXHIBIT M

SCHEDULE OF DESIGNATED LOANS

SERIES 1999-13

   LOAN NO.            ORIGINAL PRINCIPLE BALANCE              BORROWER NAME
   --------            --------------------------              -------------

   70277553                 $294,700.00                          WEATHERFORD
70854526                 $280,000.00                          YOUNG   
80104755                 $305,550.00                          GEORGE  
80103807                 $265,000.00                          RUCH    
80105844                 $400,000.00                          GOULD   
80105828                 $400,000.00                          ISOLA   

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 EXHIBIT N

SCHEDULE OF PLEDGED ASSET MORTGAGE LOANS

[NONE]

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 EXHIBIT O

 SENIOR PRINCIPAL PRIORITIES

third, to the classes of senior certificates entitled to principal    
distributions, in reduction of the aggregate class certificate principal        
balances (the "Class Certificate Principal Balances") thereof, to the extent of 
remaining Available Funds, concurrently, as follows:                            

(1) to the Class A1 through A17 Certificates and the Class R
 Certificates, the Senior Optimal Principal Distribution Amount for such
Distribution Date, in the following order of priority:                

      (a) to the Class A3 Certificates, the Class A3 Principal
       Distribution Amount (as defined herein) for such Distribution Date,
          until the Class Certificate Principal Balance thereof has been reduced
to zero; and                                                

           (b) to the Class A1, Class A2, Class A4 through Class A17 and
       Class R Certificates (together, the "Group I Senior Certificates"),
        the Senior Optimal Principal Amount for such Distribution Date, less
         the Class A3 Principal Distribution Amount for such Distribution Date
    (such reduced amount, the "Group I Senior Principal Distribution
Amount"), in the following order of priority:               

                    (I) to the Class R Certificates, until the Class Certificate
 Principal Balance thereof has been reduced to zero;

           (II) to the Class A1 and Class A8 through Class A17
Certificates, concurrently, as follows:           

                        (A) approximately 17.7045931046% of the Group I Senior
                   Principal Distribution Amount remaining after distributions
                under clause (1)(b)(I) above to the Class A1, Class A12,
                   Class A13, Class A14, Class A15 and Class A16 Certificates,
in the following order of priority:     

                             (i) to the Class A1 Certificates, until the Class
                        Certificate Principal Balance thereof has been reduced
to zero;                      

                         (ii) to the Class A12 Certificates, until the
                         Class Certificate Principal thereof has been reduced to
zero; and                     

                            (iii) to the Class A13, Class A14, Class A15 and
                   Class A16 Certificates, concurrently, as follows:

                              (aa) approximately 92.8571338050% of the
             amount distributable under clause
                          (1)(b)(II)(A)(iii), sequentially, to the Class
                              A13, Class A15 and Class A16 Certificates, in that
                        order, until the Class Certificate Principal
                            Balances thereof have each been reduced to zero;
and                 

                             (bb) approximately 7.1428661950% of the
             amount distributable under clause
                             (1)(b)(II)(A)(iii) to the Class A14 Certificates,
                         until the Class Certificate Principal Balance
             thereof has been reduced to zero;

                       (B) approximately 7.2210795763% of the Group I Senior
                   Principal Distribution Amount remaining after distributions
                  under clause (1)(b)(I) above to the Class A8 Certificates,
                 until the Class Certificate Principal Balance thereof has
been reduced to zero;                   

                        (C) approximately 42.9529733418% of the Group I Senior
                   Principal Distribution Amount remaining after distributions
                   under clause (1)(b)(I) above, sequentially, to the Class A9
                  and Class A17 Certificates, in that order, until the Class
                   Certificate Principal Balances thereof have been reduced to
zero;                                   

                       (D) approximately 7.2210795763% of the Group I Senior
                   Principal Distribution Amount remaining after distributions
                   under clause (1)(b)(I) above to the Class A10 Certificates,
                    until the Class Certificate Balance thereof has been reduced
to zero; and                            

                        (E) approximately 24.9002744010% of the Group I Senior
                   Principal Distribution Amount remaining after distributions
                   under clause (1)(b)(I) above to the Class A11 Certificates,
                    until the Class Certificate Balance thereof has been reduced
to zero; and                            

               (III) to the Class A2, Class A4, Class A5, Class A6 and
              Class A7 Certificates, the Group I Senior Principal Distribution
              Amount remaining after distributions under clauses (1)(b)(I) and
(II) above, concurrently, as follows:             

                (A) approximately 52.0833294355% of the amount
              distributable under clause (1)(b)(III) to the Class A2
                   Certificates, until the Class Certificate Principal Balance
thereof has been reduced to zero;       

                (B) approximately 14.5833348325% of the amount
              distributable under clause (1)(b)(III) to the Class A4
                   Certificates, until the Class Certificate Principal Balance
thereof has been reduced to zero; and   

                (C) approximately 33.3333357320% of the amount
               distributable under clause (1)(b)(III) to the Class A5,
                  Class A6 and Class A7 Certificates, in the following order
or priority:                            

                       (i) to the Class A5 Certificates, until the
                        Certificate Principal Balance thereof has been reduced
to zero; and                  

                           (ii) to the Class A6 and Class A7 Certificates,
concurrently, as follows:     

                              (aa) approximately 70.2044688529% of the
             amount distributable under clause
                            (1)(b)(III)(C)(ii) to the Class A6 Certificates,
                         until the Class Certificate Principal Balance
                 thereof has been reduced to zero; and

                              (bb) approximately 29.7955311471% of the
             amount distributable under clause
                            (1)(b)(III)(C)(ii) to the Class A7 Certificates,
                         until the Class Certificate Principal Balance
                 thereof has been reduced to zero; and

         (2) to the Class PO Certificates, the Class PO Principal Distribution
  Amount for such Distribution Date, until the Class Certificate Principal
Balance thereof has been reduced to zero;