GMAC-RFC Loan Group II Adjustable Rate Mortgage Loan Portfolio Summary as of December 1, 2001

Summary

This document summarizes a portfolio of 304 adjustable rate mortgage loans managed by GMAC Institutional Capital, with a total current balance of approximately $84.4 million as of December 1, 2001. It details key characteristics such as loan balances, lien positions, amortization types, loan types, and borrower credit scores. The loans are all first-lien, primarily conventional, and have varying balances and terms. The summary provides an overview for investors or stakeholders regarding the composition and risk profile of the loan group.

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EX-10.1 4 rm2ct2.txt COLLATERAL MATERIAL GMAC Institutional Capital GMAC-RFC Loan Group II; Adjustable Rate Mortgage Loans Cut-off Date: 12/01/2001 1. Portfolio Summary Number of Loans: 304 Aggreggate Original Loan Balance: $98,878,687.95 Aggregate Current Loan Balance: $84,430,957.68 Average Current Loan Balance: $277,733.41 Minimum Current Loan Balance: $12,482.10 Maximum Current Loan Balance: $1,341,045.01 WA Gross Coupon: 7.395 WA Gross Maximum Rate: 13.006 Note Margin: 2.906 Original Loan Term: 357.07 WA Remaining Loan Term: 273.26 WA Original LTV: 73.43 WA Current LTV: 64.86 Non-Zero WA Credit Score: 706.03 2. Lien Position - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Lien Position Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- First Lien 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 3. Amort Type - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Amort Type Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- ARM 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4. Loan Type - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Loan Type Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- Conv 94.9 279 80,102,833 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Conv w/MI 5.1 25 4,328,124 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5. Current Loan Balance ---------------------------------------------------------------- ---------------------------------------------------------------- Current % Cur Loan Balance Bal Count Total ---------------------------------------------------------------- ---------------------------------------------------------------- 1 - 50,000 1.0 26 831,007 ---------------------------------------------------------------- ---------------------------------------------------------------- 50,001 - 100,000 1.8 22 1,525,744 ---------------------------------------------------------------- ---------------------------------------------------------------- 100,001 - 150,000 2.7 18 2,265,579 ---------------------------------------------------------------- ---------------------------------------------------------------- 150,001 - 275,000 25.2 95 21,304,014 ---------------------------------------------------------------- ---------------------------------------------------------------- 275,001 - 300,700 7.8 23 6,573,088 ---------------------------------------------------------------- ---------------------------------------------------------------- 300,701 - 400,000 26.5 66 22,411,124 ---------------------------------------------------------------- ---------------------------------------------------------------- 400,001 - 500,000 16.9 32 14,243,472 ---------------------------------------------------------------- ---------------------------------------------------------------- 500,001 - 600,000 5.8 9 4,938,042 ---------------------------------------------------------------- ---------------------------------------------------------------- 600,001 - 700,000 4.4 6 3,749,316 ---------------------------------------------------------------- ---------------------------------------------------------------- 700,001 - 800,000 1.8 2 1,495,139 ---------------------------------------------------------------- ---------------------------------------------------------------- 900,001 - 1,000,000 4.4 4 3,753,389 ---------------------------------------------------------------- ---------------------------------------------------------------- 1,000,001 >= 1.6 1 1,341,045 ---------------------------------------------------------------- ---------------------------------------------------------------- Total: 100.0 304 84,430,958 ---------------------------------------------------------------- ---------------------------------------------------------------- 6. Original Loan Balance - ---------------------------------------------------------------- - ---------------------------------------------------------------- Original % Cur Loan Balance Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 1 - 50,000 0.8 21 679,261 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 50,001 - 100,000 1.6 22 1,346,789 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 100,001 - 150,000 2.1 14 1,756,280 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 150,001 - 275,000 8.3 36 7,023,289 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 275,001 - 300,700 13.8 48 11,692,540 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 300,701 - 400,000 31.1 90 26,227,543 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 400,001 - 500,000 19.2 41 16,193,502 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 500,001 - 600,000 4.2 8 3,557,880 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 600,001 - 700,000 9.3 14 7,882,296 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 700,001 - 800,000 1.8 3 1,482,004 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 800,001 - 900,000 0.9 1 765,916 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 900,001 - 1,000,000 5.3 5 4,482,611 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 1,000,001 >= 1.6 1 1,341,045 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7. Mortgage Rates - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Mortgage Rates Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.500 - 4.999 0.0 1 22,344 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.500 - 5.999 0.8 3 633,314 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.000 - 6.499 7.5 23 6,300,500 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.500 - 6.999 25.0 62 21,124,416 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7.000 - 7.499 31.3 83 26,396,393 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7.500 - 7.999 16.9 52 14,310,928 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.000 - 8.499 3.9 15 3,324,567 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.500 - 8.999 7.4 32 6,224,905 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.000 - 9.499 4.5 12 3,821,913 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.500 - 9.999 1.0 6 807,402 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.000 - 10.499 0.2 3 195,388 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.500 - 10.999 0.7 4 622,353 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.000 - 11.499 0.3 3 215,207 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.500 - 11.999 0.4 3 318,425 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12.500 - 12.999 0.1 2 112,904 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8. Net Mortgage Rates - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Net Mortgage Rates Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.000 - 4.499 0.0 1 22,344 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.500 - 4.999 0.2 1 204,283 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.000 - 5.499 0.5 3 441,513 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.500 - 5.999 7.2 23 6,040,433 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.000 - 6.499 25.6 63 21,651,478 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.500 - 6.999 30.9 82 26,125,897 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7.000 - 7.499 17.2 60 14,549,717 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7.500 - 7.999 3.8 14 3,191,905 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.000 - 8.499 7.5 24 6,320,479 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.500 - 8.999 4.0 12 3,387,828 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.000 - 9.499 1.2 6 1,030,803 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.500 - 9.999 0.2 3 195,388 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.000 - 10.499 0.7 4 622,353 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.500 - 10.999 0.3 4 256,194 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.000 - 11.499 0.3 2 277,438 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12.000 - 12.499 0.1 2 112,904 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9. Seasoning (Months) - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Seasoning (Months) Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12-Jan 3.4 12 2,875,501 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 13 - 24 6.9 29 5,845,819 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 25 - 36 7.4 32 6,243,799 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 37 - 48 9.8 28 8,301,910 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 49 - 60 4.7 15 3,930,076 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 61 - 84 29.9 69 25,221,341 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 85 - 120 15.6 39 13,190,161 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 121 >= 22.3 80 18,822,350 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10. Original Loan to Value ---------------------------------------------------------------- ---------------------------------------------------------------- Original % Cur Loan to Value Bal Count Total ---------------------------------------------------------------- ---------------------------------------------------------------- 0.1 - 50.0 5.8 17 4,875,562 ---------------------------------------------------------------- ---------------------------------------------------------------- 50.1 - 60.0 10.7 25 9,026,085 ---------------------------------------------------------------- ---------------------------------------------------------------- 60.1 - 70.0 19.6 50 16,539,247 ---------------------------------------------------------------- ---------------------------------------------------------------- 70.1 - 80.0 41.2 125 34,790,579 ---------------------------------------------------------------- ---------------------------------------------------------------- 80.1 - 85.0 8.1 20 6,798,139 ---------------------------------------------------------------- ---------------------------------------------------------------- 85.1 - 90.0 7.8 29 6,555,555 ---------------------------------------------------------------- ---------------------------------------------------------------- 90.1 - 100.0 6.2 35 5,253,886 ---------------------------------------------------------------- ---------------------------------------------------------------- 100.1 >= 0.7 3 591,904 ---------------------------------------------------------------- ---------------------------------------------------------------- Total: 100.0 304 84,430,958 ---------------------------------------------------------------- ---------------------------------------------------------------- 11. Current Loan to Value * - ---------------------------------------------------------------- - ---------------------------------------------------------------- Current % Cur Loan to Value * Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 0.1 - 50.0 16.2 53 13,712,034 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 50.1 - 60.0 14.5 34 12,280,847 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 60.1 - 70.0 29.2 77 24,616,480 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 70.1 - 80.0 29.3 91 24,749,053 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 80.1 - 85.0 3.8 15 3,219,186 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 85.1 - 90.0 2.8 13 2,377,127 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 90.1 - 100.0 4.1 21 3,476,230 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- * - calculated as follows: current balance to the lesser of appraised value or sales prices, both at origination. 12. Property Type - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Property Type Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- Single Family 77.6 236 65,529,207 - ---------------------------------------------------------------- - ---------------------------------------------------------------- PUD Detached 16.2 44 13,704,032 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Condo 2.8 9 2,361,869 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Midrise Condo 0.9 3 733,528 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Manufactured 0.2 3 160,644 - ---------------------------------------------------------------- - ---------------------------------------------------------------- PUD Attached 0.1 2 55,722 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 2-4 Family 2.2 7 1,885,956 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 13. Occupancy Status - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Occupancy Status Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- Primary Residence 89.3 265 75,397,352 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Non-Owner Occupied 6.5 28 5,493,381 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Second/Vacation 4.2 11 3,540,224 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 14. Loan Purpose - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Loan Purpose Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- Purchase 35.4 124 29,909,415 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Rate & Term Refinance 31.2 83 26,303,829 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Equity Refinance 28.1 80 23,746,216 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Cons Perm 5.3 17 4,471,498 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 15. Credit Score ---------------------------------------------------------------- ---------------------------------------------------------------- % Cur Credit Score Bal Count Total ---------------------------------------------------------------- ---------------------------------------------------------------- 0 - 0 2.0 11 1,707,219 ---------------------------------------------------------------- ---------------------------------------------------------------- 1 - 499 0.5 5 393,038 ---------------------------------------------------------------- ---------------------------------------------------------------- 500 - 519 0.8 4 638,627 ---------------------------------------------------------------- ---------------------------------------------------------------- 520 - 539 2.1 13 1,740,378 ---------------------------------------------------------------- ---------------------------------------------------------------- 540 - 559 1.5 8 1,230,036 ---------------------------------------------------------------- ---------------------------------------------------------------- 560 - 579 1.5 7 1,300,781 ---------------------------------------------------------------- ---------------------------------------------------------------- 580 - 599 3.2 12 2,716,876 ---------------------------------------------------------------- ---------------------------------------------------------------- 600 - 619 2.9 11 2,430,796 ---------------------------------------------------------------- ---------------------------------------------------------------- 620 - 639 4.0 14 3,415,956 ---------------------------------------------------------------- ---------------------------------------------------------------- 640 - 679 16.4 48 13,817,820 ---------------------------------------------------------------- ---------------------------------------------------------------- 680 - 699 8.8 22 7,402,414 ---------------------------------------------------------------- ---------------------------------------------------------------- 700 - 719 10.6 27 8,950,028 ---------------------------------------------------------------- ---------------------------------------------------------------- 720 - 739 7.7 23 6,465,224 ---------------------------------------------------------------- ---------------------------------------------------------------- 740 - 759 8.7 24 7,321,404 ---------------------------------------------------------------- ---------------------------------------------------------------- 760 or greater 29.5 75 24,900,361 ---------------------------------------------------------------- ---------------------------------------------------------------- Total: 100.0 304 84,430,958 ---------------------------------------------------------------- ---------------------------------------------------------------- 16. Current Delinquency - ---------------------------------------------------------------- - ---------------------------------------------------------------- Current % Cur Delinquency Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 0 99.4 300 83,920,344 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 1 - 1 0.6 4 510,613 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 17. Geographic Distribution - ---------------------------------------------------------------- - ---------------------------------------------------------------- Geographic % Cur Distribution Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- MA 26.5 63 22,406,753 - ---------------------------------------------------------------- - ---------------------------------------------------------------- CT 15.8 42 13,349,986 - ---------------------------------------------------------------- - ---------------------------------------------------------------- CA 10.4 27 8,789,567 - ---------------------------------------------------------------- - ---------------------------------------------------------------- SC 5.4 31 4,575,012 - ---------------------------------------------------------------- - ---------------------------------------------------------------- GA 5.1 20 4,347,947 - ---------------------------------------------------------------- - ---------------------------------------------------------------- NY 4.3 12 3,658,128 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Other 32.3 109 27,303,565 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 18. Next Rate Adjustment Date - ---------------------------------------------------------------- - ---------------------------------------------------------------- Next Rate % Cur Adjustment Date Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- April 2001 0.1 1 66,177 - ---------------------------------------------------------------- - ---------------------------------------------------------------- October 2001 0.1 1 111,337 - ---------------------------------------------------------------- - ---------------------------------------------------------------- December 2001 4.2 14 3,543,267 - ---------------------------------------------------------------- - ---------------------------------------------------------------- January 2002 5.6 23 4,695,154 - ---------------------------------------------------------------- - ---------------------------------------------------------------- February 2002 2.4 10 2,004,888 - ---------------------------------------------------------------- - ---------------------------------------------------------------- March 2002 4.6 16 3,886,902 - ---------------------------------------------------------------- - ---------------------------------------------------------------- April 2002 6.6 19 5,604,333 - ---------------------------------------------------------------- - ---------------------------------------------------------------- May 2002 4.5 17 3,801,506 - ---------------------------------------------------------------- - ---------------------------------------------------------------- June 2002 3.5 10 2,975,683 - ---------------------------------------------------------------- - ---------------------------------------------------------------- July 2002 6.9 19 5,850,836 - ---------------------------------------------------------------- - ---------------------------------------------------------------- August 2002 8.9 29 7,540,923 - ---------------------------------------------------------------- - ---------------------------------------------------------------- September 2002 5.6 18 4,724,340 - ---------------------------------------------------------------- - ---------------------------------------------------------------- October 2002 7.8 20 6,620,812 - ---------------------------------------------------------------- - ---------------------------------------------------------------- November 2002 9.4 24 7,947,516 - ---------------------------------------------------------------- - ---------------------------------------------------------------- December 2002 2.0 5 1,687,532 - ---------------------------------------------------------------- - ---------------------------------------------------------------- January 2003 2.8 7 2,330,319 - ---------------------------------------------------------------- - ---------------------------------------------------------------- February 2003 4.2 9 3,515,093 - ---------------------------------------------------------------- - ---------------------------------------------------------------- March 2003 2.0 7 1,703,319 - ---------------------------------------------------------------- - ---------------------------------------------------------------- April 2003 2.2 6 1,860,428 - ---------------------------------------------------------------- - ---------------------------------------------------------------- May 2003 0.5 2 455,574 - ---------------------------------------------------------------- - ---------------------------------------------------------------- June 2003 1.2 3 1,000,703 - ---------------------------------------------------------------- - ---------------------------------------------------------------- July 2003 0.9 2 750,142 - ---------------------------------------------------------------- - ---------------------------------------------------------------- August 2003 2.1 6 1,734,354 - ---------------------------------------------------------------- - ---------------------------------------------------------------- September 2003 0.2 2 193,252 - ---------------------------------------------------------------- - ---------------------------------------------------------------- December 2003 0.2 1 162,458 - ---------------------------------------------------------------- - ---------------------------------------------------------------- January 2004 1.3 2 1,115,201 - ---------------------------------------------------------------- - ---------------------------------------------------------------- February 2004 1.0 2 819,578 - ---------------------------------------------------------------- - ---------------------------------------------------------------- March 2004 0.3 1 218,702 - ---------------------------------------------------------------- - ---------------------------------------------------------------- April 2004 1.1 4 936,798 - ---------------------------------------------------------------- - ---------------------------------------------------------------- May 2004 0.2 1 161,609 - ---------------------------------------------------------------- - ---------------------------------------------------------------- June 2004 0.5 2 424,844 - ---------------------------------------------------------------- - ---------------------------------------------------------------- July 2004 2.6 8 2,221,061 - ---------------------------------------------------------------- - ---------------------------------------------------------------- August 2004 1.0 3 806,634 - ---------------------------------------------------------------- - ---------------------------------------------------------------- September 2004 1.0 2 851,929 - ---------------------------------------------------------------- - ---------------------------------------------------------------- October 2004 0.2 1 151,665 - ---------------------------------------------------------------- - ---------------------------------------------------------------- November 2004 1.0 3 826,946 - ---------------------------------------------------------------- - ---------------------------------------------------------------- February 2005 0.5 1 416,907 - ---------------------------------------------------------------- - ---------------------------------------------------------------- July 2005 0.3 1 288,525 - ---------------------------------------------------------------- - ---------------------------------------------------------------- December 2005 0.1 1 73,255 - ---------------------------------------------------------------- - ---------------------------------------------------------------- May 2006 0.4 1 350,457 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 19. Maximum Mortgage Rates - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Maximum Mortgage Rates Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 0.000 - 0.499 0.7 2 566,907 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.500 - 8.999 0.4 1 296,336 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.500 - 9.999 1.6 4 1,388,418 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.000 - 10.499 1.1 3 927,522 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.500 - 10.999 8.0 15 6,725,409 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.000 - 11.499 7.0 20 5,872,591 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.500 - 11.999 6.9 21 5,823,942 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12.000 - 12.499 7.3 20 6,197,434 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12.500 - 12.999 13.2 32 11,182,241 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 13.000 - 13.499 16.0 45 13,524,219 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 13.500 - 13.999 14.2 49 12,011,136 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 14.000 - 14.499 5.9 17 4,983,641 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 14.500 - 14.999 4.6 15 3,915,089 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 15.000 - 15.499 4.2 13 3,538,844 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 15.500 - 15.999 2.9 13 2,469,563 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 16.000 - 16.499 1.3 4 1,102,894 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 16.500 - 16.999 2.3 6 1,939,535 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 17.000 - 17.499 0.6 5 468,461 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 17.500 - 17.999 0.7 4 617,048 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 18.000 - 18.499 0.4 10 366,174 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 18.500 - 18.999 0.5 3 400,650 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 19.000 - 19.499 0.1 1 70,246 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 19.500 - 19.999 0.1 1 42,658 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 20. Minimum Mortgage Rates - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Minimum Mortgage Rates Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 0.000 - 0.499 94.8 271 80,018,074 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 0.500 - 0.999 0.3 1 232,473 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 2.500 - 2.999 0.5 1 403,006 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 3.000 - 3.499 0.6 2 531,644 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.000 - 4.499 0.0 1 12,482 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.500 - 4.999 0.6 1 536,143 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.000 - 5.499 0.3 1 228,889 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.500 - 5.999 0.2 1 207,497 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.500 - 6.999 0.2 3 176,188 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7.000 - 7.499 0.3 3 286,261 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.500 - 8.999 0.0 1 17,206 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.000 - 9.499 0.5 2 399,914 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 9.500 - 9.999 0.5 6 458,227 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.000 - 10.499 0.1 2 106,986 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 10.500 - 10.999 0.5 3 409,551 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.000 - 11.499 0.1 1 86,423 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 11.500 - 11.999 0.2 2 207,088 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12.000 - 12.499 0.1 1 70,246 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 12.500 - 12.999 0.1 1 42,658 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 21. Note Margins - ---------------------------------------------------------------- - ---------------------------------------------------------------- % Cur Note Margins Bal Count Total - ---------------------------------------------------------------- - ---------------------------------------------------------------- 0.500 - 0.999 0.1 2 44,479 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 1.500 - 1.999 0.4 2 376,622 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 2.000 - 2.499 3.4 9 2,861,395 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 2.500 - 2.999 79.1 220 66,808,780 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 3.000 - 3.499 11.7 38 9,900,900 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 3.500 - 3.999 0.9 3 743,477 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.000 - 4.499 0.2 2 145,966 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 4.500 - 4.999 1.2 8 1,046,850 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.000 - 5.499 1.3 8 1,095,903 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 5.500 - 5.999 0.7 5 558,701 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.000 - 6.499 0.3 2 270,435 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 6.500 - 6.999 0.2 1 166,101 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 7.000 - 7.499 0.1 2 112,904 - ---------------------------------------------------------------- - ---------------------------------------------------------------- 8.000 - 8.499 0.4 2 298,445 - ---------------------------------------------------------------- - ---------------------------------------------------------------- Total: 100.0 304 84,430,958 - ---------------------------------------------------------------- - ---------------------------------------------------------------- This information was prepared for informational purposes only. It is not an offer to buy or sell any MBS/ABS instrument. In the event of such offering, this information is deemed superseded & amended entirely by a Prospectus or Prospectus Supplement. It is not an official confirmation of terms and is based on information generally available to the public from sources believed to be reliable. No representation is made of accuracy or completeness or that any returns indicated will be achieved. Any changes to assumptions may have a material impact on returns. Past performance is not indicative of future results. The related security may only be transferred in accordance with U.S. or other relevant securities laws and according to the terms of such security. -- Residential Funding Corporation and affiliates, Residential Funding Securities Corporation and RFSC International Limited.