WACHOVIA MORTGAGE LOAN TRUST, LLC,
as Purchaser,
and
WACHOVIA BANK, NATIONAL ASSOCIATION,
as Seller
___________________________________________
MORTGAGE LOAN PURCHASE AGREEMENT
___________________________________________
Dated as of December 27, 2006
TABLE OF CONTENTS
Page
SECTION 1.
Definitions................................................................................1
SECTION 2.
Purchase and Sale of the Mortgage
Loans....................................................4
SECTION 3.
Mortgage Loan
Schedule.....................................................................6
SECTION 4.
Allocation of Payments; Mortgage Loan
Files................................................6
SECTION 5.
Material
Defects...........................................................................7
SECTION 6.
Recordation of Assignments of
Mortgages....................................................8
SECTION 7.
Representations and Warranties of Seller Concerning the Mortgage
Loans.....................9
SECTION 8.
Representations and Warranties Concerning the
Seller......................................13
SECTION 9.
Representations and Warranties Concerning the
Purchaser...................................14
SECTION 10.
Conditions to
Closing.....................................................................15
SECTION 11.
Notices...................................................................................17
SECTION 12.
Assignment by
Purchaser...................................................................17
SECTION 13.
Representations, Warranties and Agreements to Survive
Delivery............................17
SECTION 14.
Severability..............................................................................17
SECTION 15.
Counterparts..............................................................................17
SECTION 16.
Amendment.................................................................................17
SECTION 17.
GOVERNING
LAW.............................................................................17
SECTION 18.
Further
Assurances........................................................................18
SECTION 19.
Successors and
Assigns....................................................................18
SECTION 20.
Maintain Rights in
Effect.................................................................18
SECTION 21.
Entire
Agreement..........................................................................18
SECTION 22.
No
Partnership............................................................................18
i
EXHIBITS AND SCHEDULE TO
MORTGAGE LOAN PURCHASE AGREEMENT
Exhibit 1
Mortgage Loan Schedule Information
Exhibit 2
Schedule of Lost Notes
Exhibit 3
S&P LEVELS® Glossary, Version 5.7 Revised, Appendix E
Schedule A
Mortgage Loan Schedule
ii
MORTGAGE LOAN PURCHASE AGREEMENT
MORTGAGE
LOAN
PURCHASE
AGREEMENT,
dated as of
December
27,
2006,
as amended
and
supplemented by any and all amendments hereto
(collectively,
the
"Agreement"),
by and between WACHOVIA
BANK,
NATIONAL
ASSOCIATION,
a national banking
association (the "Seller"),
and WACHOVIA MORTGAGE LOAN
TRUST, LLC, a Delaware limited liability company (the "Purchaser").
Upon the terms and subject to the
conditions
of this
Agreement,
the Seller agrees to
sell, and the Purchaser agrees to purchase,
certain fully
amortizing,
hybrid
adjustable rate and fixed
rate,
first lien
mortgage
loans
secured
primarily by one- to
four-family
residential
properties as
described herein. The Purchaser intends to sell the Mortgage Loans
to U.S. Bank National
Association,
as
trustee
under the Pooling and
Servicing
Agreement,
dated as of December
27, 2006 (the
"Pooling
and
Servicing Agreement"),
among the Purchaser, as depositor, U.S. Bank National Association,
as trustee and
supplemental
interest
trustee,
and
National
City
Mortgage
Co. and Wells Fargo Bank,
N.A.,
each as
servicers.
Now,
therefore,
in consideration
of the premises and the mutual
agreements set forth
herein, the parties hereto agree as follows:
SECTION 1.
Definitions. The following terms are defined as follows:
Agreement: The meaning set forth in the preambles hereto.
Closing Date: December 27, 2006.
Co-op Shares:
Shares issued by private non-profit housing corporations.
Custodian: The Custodian under the Pooling and Servicing Agreement.
Cut-off Date: December 1, 2006.
Deleted
Mortgage
Loan:
A Mortgage
Loan
replaced or to be
replaced by a
Substitute
Mortgage Loan.
Material Defect: The meaning set forth in Section 5(ii).
MERS: Mortgage Electronic Registration Systems, Inc.
Mortgage:
The mortgage,
deed of trust or instrument
creating a lien on an interest in
Mortgaged Property securing a Mortgage Note or creating a lien on a
leasehold interest.
Mortgage File: The following documents:
(i)
the original
Mortgage Note,
endorsed by manual or facsimile
signature either
(A) in blank or (B) in the
following
form:
"Pay to the
order of U.S.
Bank
National
Association,
as
Trustee,
without
recourse,"
with all necessary
intervening
endorsements
showing a complete
chain of
endorsement
from the originator to the Trustee (each such
endorsement
being
sufficient to transfer all
right, title and interest of the party so endorsing in and to that
Mortgage Note);
(ii)
the original recorded Mortgage with evidence of a recording
thereon,
or if any
such
Mortgage has not been
returned from the
applicable
recording
office or has been lost, or if such
public recording office retains the original recorded
Mortgage,
a copy of such Mortgage certified by the
Seller as being a true and correct copy of the Mortgage, if such
copy is available;
(iii)
a duly
executed
assignment
of
mortgage
from the
mortgagee
or assignee of
record either (A) in blank or (B) to "U.S.
Bank National
Association,
as trustee for the holders of the
Wachovia Mortgage Loan Trust, LLC Asset-Backed
Certificates,
Series 2006-ALT1
Certificates"
(which may
be included in a blanket
assignment or assignments),
together with, except as provided below,
originals
of all interim recorded
assignments of such mortgage or copies of such interim
assignments
certified by
the
Seller as being
true and
complete
copies
of the
original
recorded
intervening
assignments
of
Mortgage (each such assignment,
when duly and validly completed,
to be in recordable form and sufficient
to effect the assignment of the related Mortgage to the assignee
thereof);
provided that, if the related
Mortgage has not been returned from the applicable
public recording
office,
such assignment of mortgage
may exclude the
information
to be
provided by the
recording
office;
and
provided,
further,
if the
related
Mortgage has been
recorded in the name of MERS or its
designee,
no
assignment
of mortgage in
favor of the Trustee is required;
(iv)
the
originals
of all
assumption,
modification,
consolidation
or extension
agreements, if any, with evidence of recording thereon, if any;
(v)
the original or duplicate
original
mortgagee title
insurance
policy and all
riders thereto;
(vi)
the original of any guarantee executed in connection with the
Mortgage Note;
(vii)
for each
Mortgage
Loan, if any,
which is secured by a residential
long-term
lease,
a copy of the lease with
evidence
of
recording
indicated
thereon,
or, if the lease is in the
process of being
recorded,
a photocopy
of the lease,
certified by an officer of the
respective
prior
owner of such
Mortgage
Loan or by the
applicable
title
insurance
company,
closing/settlement/escrow
agent or
company
or
closing
attorney
to be a true
and
correct
copy of the
lease
transmitted
for
recordation;
(viii)
the
original
of
any
security
agreement,
chattel
mortgage
or
equivalent
document executed in connection with the Mortgage; and
(ix)
for each Mortgage Loan secured by Co-op Shares,
the originals of the following
documents or instruments:
2
(A)
The stock certificate;
(B)
The stock power executed in blank;
(C)
The executed proprietary lease;
(D)
The executed recognition agreement;
(E)
The executed assignment of recognition agreement, if any;
(F)
The executed UCC-1 financing statement with evidence of recording
thereon; and
(G)
Executed
UCC-3
financing
statements
or
other
appropriate
UCC
financing
statements
required
by state law,
evidencing
a complete
and
unbroken
line of
assignments
from the
mortgagee to the Trustee with evidence of recording thereon (or in
a form suitable for recordation).
Mortgage
Interest
Rate:
As to any
Mortgage
Loan,
the per annum rate of interest at
which
interest
accrues on the principal
balance of such Mortgage Loan, as adjusted from time to time in
accordance with the provisions of the related Mortgage Note.
Mortgage Loans: The mortgage loans listed on the Mortgage Loan
Schedule.
Mortgage
Loan
Schedule:
The list of Mortgage
Loans,
as from time to time amended by
the Seller to reflect the
addition of
Substitute
Mortgage
Loans and the
deletion of Deleted
Mortgage
Loans pursuant to the provisions of this Agreement, attached hereto
as Schedule A.
Mortgage
Note:
The
originally
executed
note
or
other
evidence
of
indebtedness
evidencing the
indebtedness
of a Mortgagor
under a Mortgage Loan,
together with all riders thereto and
amendments thereof.
Mortgaged Property:
The property securing a Mortgage Loan.
Mortgagor:
The obligor on a Mortgage Note.
Opinion of Counsel:
A written opinion of counsel,
who may be counsel for the Seller or
the Purchaser, reasonably acceptable to the Purchaser.
Person:
Any individual,
corporation,
limited liability
company,
partnership,
joint
venture,
association,
joint-stock company, trust, unincorporated organization,
government or any agency
or
political
subdivision
thereof,
or any other
organization
or entity of any type,
whether or not a
legal entity.
Pooling and Servicing Agreement: The meaning set forth in the
preambles hereto.
3
Prospectus
Supplement:
The
supplement,
dated
December 19, 2006, to the
Prospectus,
dated May 23,
2006,
relating
to certain
classes
of the
certificates
issued
under the
Pooling
and
Servicing Agreement.
Purchase Price: The meaning specified in Section 2(ii).
Purchaser: The meaning set forth in the preambles hereto.
Remittance
Date:
As to any
Distribution
Date (as such term is defined in the Pooling
and
Servicing
Agreement
in
effect
as of the date
hereof),
by 2:00
p.m.
Eastern
time on the third
Business Day immediately preceding such Distribution Date.
Repurchase
Price:
With respect to any Mortgage
Loan (or any
property
acquired
with
respect
thereto)
required to be purchased by the Seller pursuant to this
Agreement,
an amount equal to
the sum of (i)(a) the unpaid
principal
balance of such Mortgage Loan as of the date of repurchase (or if
the related
Mortgaged
Property
was
acquired by the
Purchaser or its
assignee,
the unpaid
principal
balance at the date of the acquisition),
plus (b) accrued but unpaid interest on the principal balance at
the related
Mortgage
Interest Rate through and including
the last day of the month of
repurchase,
and
(ii) any costs and damages
incurred by the
Purchaser in connection
with a breach of the
representation
contained
in Section
7(iii) as a result of any
violation of any
predatory or abusive
lending law with
respect to such Mortgage Loan.
Seller: The meaning set forth in the preambles hereto.
Servicer: The applicable Servicer under the Pooling and Servicing
Agreement.
Substitute
Mortgage
Loan: A mortgage
loan
substituted
for a Deleted
Mortgage
Loan
pursuant to the
provisions
of this
Agreement.
Upon such
substitution,
such
mortgage loan shall be a
"Mortgage Loan" hereunder.
Substitution Adjustment Amount: The meaning specified in Section
5(v).
Transferred Property: The meaning specified in Section 2(i).
Trustee: The Trustee under the Pooling and Servicing Agreement.
SECTION 2.
Purchase and Sale of the Mortgage Loans.
(i)
The Seller does hereby sell, assign, set over,
transfer,
and otherwise convey
to the Purchaser on the Closing Date, without recourse (except as
expressly
provided herein),
all of its
right, title and interest,
in, to and under the following:
(A) the Mortgage Loans (including the related
Mortgage
Note and
Mortgage,
all monies due or to become due on the Mortgage
Loans (other than payments
of principal
and
interest due and payable on or before the Cut-off
Date),
and all
collections
on the
Mortgage
Loans
received
after the Cut-off Date (other than
payments of principal
and interest due and
payable on or before the Cut-off
Date));
(B) any
insurance
policies in respect of the Mortgage
Loans;
and (C) all proceeds of the foregoing (collectively, the
"Transferred Property").
4
(ii)
The
purchase
price (the
"Purchase
Price")
for the
Mortgage
Loans and the
related
Transferred
Property
to be paid by the
Purchaser
to the Seller on the
Closing
Date shall be
$443,430,184.15.
(iii)
In consideration of the sale of the Mortgage Loans and the related
Transferred
Property by the Seller to the
Purchaser on the Closing
Date,
the
Purchaser
shall pay to the Seller on
the Closing Date by wire
transfer of
immediately
available
funds to a bank account
designated
by the
Seller, the Purchase Price.
(iv)
It is the
express
intent
of the
parties
hereto
that the
transfer
of the
Mortgage
Loans by the Seller to the
Purchaser
pursuant to this
Section 2 be, and be
construed
as, an
absolute sale of the Mortgage
Loans by the Seller to the Purchaser,
including for
accounting
purposes,
and not a secured
borrowing.
It is,
further,
not the
intention of the parties
that such
transfer be
deemed the grant of a security
interest in the Mortgage
Loans by the Seller to the Purchaser to secure a
debt or other
obligation of the Seller.
However,
in the event that,
notwithstanding
the intent of the
parties,
the Mortgage
Loans are held to be the
property of the Seller,
or if for any other reason this
Agreement
is held or
deemed
to
create a
security
interest
in the
Mortgage
Loans,
then:
(1) this
Agreement shall constitute a security
agreement,
and (2) the transfer of the Mortgage Loans provided for
in this Section 2 shall be deemed to be a grant by the Seller to
the
Purchaser
of, and the Seller hereby
grants to the Purchaser,
to secure all of the Seller's obligations
hereunder, a security interest in all
of the Seller's right,
title, and interest,
whether now owned or hereafter
acquired,
in and to (i) the
Mortgage Loans,
(ii) all accounts,
chattel paper,
deposit
accounts,
documents,
general
intangibles,
goods,
instruments,
investment property,
letter-of-credit
rights,
letters of credit,
money, and oil,
gas, and other
minerals,
consisting of,
arising from, or relating to, any of the
foregoing;
and (iii)
all proceeds of the foregoing.
(v)
The
Seller
shall
file such
financing
statements,
and the
Seller
and the
Purchaser
shall,
to the
extent
consistent
with this
Agreement,
take such
other
actions
as may be
necessary
to ensure
that,
if this
Agreement
were found to create a security
interest in the Mortgage
Loans,
such security
interest would be a perfected
security interest of first priority under applicable
law and will be maintained as such
throughout
the term of the
Agreement.
In connection
herewith,
the
Purchaser
shall have all of the rights and remedies of a secured party under
the Uniform
Commercial Code
as in force in the relevant jurisdiction.
(vi)
(vi)
Concurrently
herewith,
the
Purchaser
has
contracted
to sell
the
Mortgage
Loans and other
Transferred
Property
to the Trustee
pursuant
to the
Pooling and
Servicing
Agreement.
To
avoid
the
unnecessary
expense
and
administrative
inconvenience
associated
with the
execution
and
recording
of
multiple
assignment
documents,
the Seller may either (A) deliver (if the
Seller is not the last
assignee of record) or (B) execute (if the Seller is the last
assignee of record)
one or more
assignments
of
mortgages
in blank or naming the
Trustee as
assignee,
and may either (A)
deliver (if the Seller is not the last
endorsee) or (B) endorse (if the Seller is the last
endorsee) the
Mortgage
Notes in blank or to the Trustee.
Notwithstanding
the fact that such
assignments of mortgages
name the Trustee as assignee
and that
Mortgage
Notes are endorsed to the
Trustee,
the parties
hereto
acknowledge
and agree that the Mortgage Loans for all purposes have been
transferred
from the Seller to
the Purchaser and from the Purchaser to the Trustee.
5
SECTION 3.
Mortgage Loan
Schedule.
The initial
Mortgage Loan Schedule shall be
prepared
by the Seller and shall set forth the
information
listed on Exhibit 1 to this
Agreement
with
respect to each of the Mortgage Loans being sold by the Seller
hereunder.
SECTION 4.
Allocation of Payments; Mortgage Loan Files.
(i)
The
Purchaser
will be entitled to all payments of
principal
and interest on
the
Mortgage
Loans
due
after
the
Cut-off
Date,
regardless
of
when
actually
collected,
and all
collections in respect of the Mortgage
Loans
received on or after the Cut-off Date,
other than payments
of principal
and interest due and payable on or before the Cut-off
Date.
The Seller will be entitled to
all
scheduled
payments of
principal
and
interest on the
Mortgage
Loans due on or before the Cut-off
Date,
including
payments of such collected after the Cut-off Date. Such principal
and interest belonging
to the Seller as described above will not be included in the
aggregate
principal
balance of the Mortgage
Loans as of the Cut-off Date as set forth on the initial Mortgage
Loan Schedule.
(ii)
In
connection
with the transfer and
assignment
of the Mortgage
Loans,
the
Seller shall
deliver or cause to be
delivered
to the
Custodian on behalf of the Trustee as assignee of
the
Purchaser
by the
Closing
Date,
the
documents
required to be
included
in each
Mortgage
File;
provided,
however, that in lieu of the foregoing,
the Seller may deliver the following documents,
under
the
circumstances
set forth below: (x) in lieu of the original
Mortgage,
the assignment to the Trustee
of such Mortgage, or intervening
assignments thereof,
which have been delivered,
are being delivered or
will, upon receipt of recording
information
relating to the Mortgage required to be included thereon, be
delivered to recording
offices for
recording
and have not been returned to the Seller in time to permit
their
delivery as specified
above,
the Seller may deliver a true copy thereof with a
certification
by
the Seller, on the face of such copy,
substantially as follows:
"Certified to be a true and correct copy
of the original,
which has been transmitted for recording";
(y) in lieu of the Mortgage,
the assignment
to the Trustee of such
Mortgage,
or intervening
assignments
thereof,
if the
applicable
jurisdiction
retains the originals of such documents (as evidenced by a
certification
from the Seller to such effect)
the Seller
may
deliver
photocopies
of such
documents
containing
an
original
certification
by the
recording office of the jurisdiction
where such documents were recorded;
and (z) in lieu of the Mortgage
Notes
relating to the Mortgage
Loans,
each
identified
in the list
attached
hereto as Exhibit 2, the
Seller may deliver lost note
affidavits and
indemnities of the Seller;
and provided
further,
however,
that in the case of
Mortgage
Loans which have been
prepaid in full after the Cut-off
Date and prior to
the Closing Date, the Seller,
in lieu of delivering the above
documents,
may deliver to the Trustee and
the
Custodian
a
certification
by the
Seller or the
Servicer
servicing
such
Mortgage
Loan to such
effect.
The Seller shall deliver such original
documents
(including any original
documents as to which
certified copies had previously been delivered) or such certified
copies to the Custodian
promptly after
they are
received.
The Seller
shall
cause the
Mortgage
and
intervening
assignments,
if any, to be
recorded
not later than 180 days after the Closing
Date,
unless such
assignment
is not required to be
recorded under the terms set forth in Section 6(i).
6
SECTION 5.
Material Defects.
(i)
On or before the
Closing
Date,
the
Seller
shall
make the
Mortgage
Files
available to the Purchaser or its agent for
examination,
which
examination may be at the offices of the
Custodian or the Seller.
The fact that the
Purchaser or its agent has conducted or has failed to conduct
any partial or complete
examination
of the
Mortgage
Files shall not affect the
Purchaser's
rights to
demand cure, repurchase, substitution or other relief as provided
in this Agreement.
(ii)
If any document is missing, has not been executed, is unrelated,
determined on
the basis of the
Mortgagor
name,
original
principal
balance and loan number,
to the
Mortgage
Loans
identified
in the Mortgage
Loan
Schedule (a "Material
Defect"),
the
Purchaser or its assignee
shall
promptly notify the Seller in writing of such Material
Defect.
The Seller shall correct or cure any such
Material
Defect within 90 days from the date of notice of the Material
Defect and if the Seller does not
correct or cure such Material Defect within such period and such
defect
materially and adversely
affects
the interests of the Purchaser or its assignee in the related
Mortgage
Loan,
the Seller will either (a)
substitute
for the
related
Mortgage
Loan a
Substitute
Mortgage
Loan,
which
substitution
shall be
accomplished
in the manner and
subject to the
conditions
set forth in this
Section 5 or (b)
purchase
such
Mortgage
Loan from the Purchaser or its assignee at the
Repurchase
Price for such Mortgage
Loan;
provided
that,
if such defect would cause the Mortgage
Loan to be other than a "qualified
mortgage" as
defined in Section
860G(a)(3) of the Internal
Revenue Code,
any such cure,
repurchase or
substitution
must
occur
within 90 days from the date such
breach
was
discovered;
provided,
further
that if such
defect
relates
solely to the
inability
of the Seller to deliver the original
Mortgage or
intervening
assignments
thereof,
or a certified copy, because the originals of such documents,
or a certified copy,
have not been returned by the applicable
recording
office,
the Seller shall not be required to purchase
such
Mortgage
Loan if the Seller
delivers
such
original
documents or certified
copy
promptly
upon
receipt,
but in no event
later
than 360 days
after the
Closing
Date.
The
foregoing
repurchase
or
substitution
obligation
shall not apply in the event that the Seller
cannot
deliver
such
original or
copy of any
document
submitted
for
recording to the
appropriate
recording
office in the
applicable
jurisdiction
because such document has not been
returned by such office;
provided that the Seller shall
instead
deliver a recording
receipt of such
recording
office or, if such receipt is not
available,
a
certificate of the Seller or the
applicable
Servicer
confirming
that such documents have been accepted
for
recording,
and
delivery to the Trustee or the
Custodian,
as assignee of the
Purchaser,
shall be
effected by the Seller within thirty days of its receipt of the
original recorded document.
(iii)
With
respect to each
Substitute
Mortgage
Loan,
the Seller
shall
promptly
deliver to the Custodian,
on behalf of the Trustee as assignee of the
Purchaser,
the Mortgage Note, the
Mortgage,
and the other
documents
required
to be
included
in the
related
Mortgage
File,
with the
Mortgage
Note
endorsed
and the
Mortgage
assigned
as
required by the
definition
of Mortgage
File.
Payments due with
respect to any such
Substitute
Mortgage
Loan in the month of
substitution
shall be
retained by the Seller and not transferred to the Purchaser.
For the month of
substitution,
collections
on the Mortgage Loans will include the scheduled
payment due for such month on any Deleted
Mortgage Loan
for which the Seller has substituted a Substitute Mortgage Loan.
7
(iv)
The Seller shall amend the Mortgage Loan Schedule to reflect the
repurchase or
transfer
to the
Seller
of
each
Mortgage
Loan
that
has
become
a
Deleted
Mortgage
Loan
and the
substitution
of the
Substitute
Mortgage
Loans and the Seller shall
deliver the amended
Mortgage Loan
Schedule
to
the
Purchaser,
with
a
copy
to
each
of
the
Trustee
and
the
Custodian.
Upon
such
substitution,
each
Substitute
Mortgage
Loan
shall be subject
to the terms of this
agreement
in all
respects,
and the Seller shall be deemed to have made to the
Purchaser
with respect to such
Substitute
Mortgage
Loan,
as of the
date
of
substitution,
the
representations
and
warranties
set
forth
in
Section 7.
Upon any such
substitution and the payment to the Trustee as assignee of the
Purchaser of the
Repurchase
Price or of any
required
Substitution
Adjustment
Amount,
the
Purchaser
shall
cause the
Custodian
to release the
Mortgage
File
relating to such
Deleted
Mortgage
Loan to the Seller and the
Purchaser and its
assignees,
as
applicable,
shall execute and deliver at the Seller's
direction
such
instruments of transfer or assignment
prepared by the Seller, in each case without recourse,
as shall be
necessary to transfer to the Seller,
or its designee,
any Defective
Mortgage
Loan
substituted
for or
repurchased pursuant to this Section 5.
(v)
For any month in which the Seller
substitutes one or more Substitute
Mortgage
Loans
for one or more
Deleted
Mortgage
Loans,
the
amount
(if any) by
which
the
aggregate
unpaid
principal
balance of all such
Substitute
Mortgage Loans as of the date of substitution is less than the
aggregate unpaid principal
balance of all such Deleted Mortgage Loans after
application of the principal
portion
of the
scheduled
payments
due in the month of
substitution
(the
"Substitution
Adjustment
Amount")
shall be paid to the
Trustee
as
assignee
of the
Purchaser
by the
Seller on or before
the
Remittance
Date in the month
succeeding
the calendar
month during which the related
Mortgage
Loan is
required to be purchased or replaced hereunder.
SECTION 6.
Recordation of Assignments of Mortgages.
(i)
The Seller
shall,
promptly
after the Closing
Date,
cause each Mortgage and
each assignment of Mortgage from the Seller to the Trustee,
and all unrecorded
intervening
assignments,
if any,
delivered
on or prior to the
Closing
Date,
to be
recorded
in the
recording
offices in the
jurisdictions where the related Mortgaged Properties are located;
provided,
however, the Seller need not
cause to be recorded
any
assignment
which
relates to a Mortgage
Loan if (a) such
recordation
is not
required by the rating agencies rating the certificates
issued under the Pooling and Servicing
Agreement
or an Opinion of Counsel has been provided to the Purchaser,
the Trustee,
and the Custodian which states
that the
recordation of such
assignment is not necessary to protect the interest of the
Purchaser or its
assignee in the related
Mortgage Loan or (b) MERS is
identified
on the Mortgage or a properly
recorded
assignment of the Mortgage as the mortgagee of record;
provided,
however,
notwithstanding
the delivery
of any Opinion of Counsel,
any
assignment of Mortgage that has not been recorded
pursuant to clause (a)
shall be submitted for recording by the Seller in the manner
described
above,
at the Seller's
expense,
upon 60 days' written notice to the Seller from the Purchaser or
its assignee.
(ii)
While each such
Mortgage or assignment is being
recorded,
if necessary,
the
Seller
shall
leave
or
cause to be left
with
the
Custodian
a
certified
copy of such
Mortgage
or
assignment.
In the event that, within 180 days of the Closing Date, the
Purchaser,
the Trustee,
and the
Custodian
have not been
provided
an Opinion
of Counsel as
described
in
subsection
(i) or
received
8
evidence of recording
with respect to each Mortgage
Loan
pursuant to the terms
hereof,
the failure to
provide
evidence of
recording
or such Opinion of Counsel (in the
alternative,
if
required)
shall be
considered a Material Defect,
and the provisions of Section 5 shall apply.
All customary
recording fees
and reasonable
expenses
relating to the recordation of the assignments of mortgage to the
Trustee or the
Opinion of Counsel, as the case may be, shall be borne by the
Seller.
SECTION 7.
Representations
and
Warranties
of Seller
Concerning
the Mortgage
Loans.
The Seller hereby
represents
and warrants to the Purchaser as of the Closing Date, or such other
date prior thereto as may be specified below, with respect to each
Mortgage Loan:
(i)
the
information
set forth in the Mortgage
Loan
Schedule
hereto is true and
correct in all material
respects and all
information
provided by the Seller to the Purchaser
regarding
the
Mortgage
Loans,
including
the
Mortgage
Loan level
detail,
is true and correct in all
material
respects;
(ii)
immediately
prior to the
transfer to the
Purchaser,
the Seller was the sole
owner and holder of each Mortgage and Mortgage
Note
relating to the Mortgage
Loans and is conveying the
same
to the
Purchaser
free
and
clear
of any
and
all
liens,
claims,
encumbrances,
participation
interests,
equities,
pledges,
charges or security interests of any nature and the Seller has full
right
and authority to sell or assign the same pursuant to this
Agreement;
(iii)
each Mortgage
Loan at the time it was made
complied in all material
respects
with
all
applicable
laws
and
regulations,
including,
without
limitation,
usury,
equal
credit
opportunity,
disclosure and recording laws and all
applicable
anti-predatory,
abusive and fair lending
laws;
and each
Mortgage
Loan
has
been
serviced
in all
material
respects
in
accordance
with all
applicable
laws
and
regulations,
including,
without
limitation,
usury,
equal
credit
opportunity,
disclosure and recording laws and all
anti-predatory,
abusive and fair lending laws and the terms of the
related Mortgage Note, the Mortgage and other loan documents;
(iv)
there is no
monetary
default
existing
under
any
Mortgage
or the
related
Mortgage
Note and there is no
material
event
which,
with the
passage of time or with
notice and the
expiration of any grace or cure period, would constitute a default,
breach or event of acceleration;
and
neither the Seller,
any of its
affiliates
nor any servicer of any related
Mortgage
Loan has taken any
action to waive any default,
breach or event of acceleration;
no foreclosure action is threatened or has
been commenced with respect to the Mortgage Loan;
(v)
the
terms of the
Mortgage
Note
and the
Mortgage
have
not been
impaired,
waived, altered or modified in any respect,
except by written instruments,
(i) if required by law in the
jurisdiction
where the Mortgaged
Property is located,
or (ii) to protect the interests of the Purchaser
or its assignees;
(vi)
no selection
procedure
reasonably believed by the Seller to be adverse to the
interests of the Purchaser or its assignees was utilized in
selecting the Mortgage Loans;
9
(vii)
each Mortgage is a valid and
enforceable
first lien on the property
securing
the related
Mortgage Note and each
Mortgaged
Property is owned by the
Mortgagor in fee simple
(except
with respect to common areas in the case of
condominiums,
PUDs and de minimis
PUDs) or by leasehold for
a term
longer
than the term of the
related
Mortgage,
subject
only to (i) the
lien of
current
real
property taxes and assessments,
(ii) 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
being
acceptable
to
mortgage
lending
institutions
generally
or
specifically
reflected
in the
appraisal
obtained in connection
with the
origination of the related
Mortgage Loan or referred to in the lender's
title insurance policy
delivered to the originator of the related
Mortgage Loan and (iii) 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,
except
as
enforceability
may
be
limited
by
bankruptcy,
insolvency,
liquidation,
receivership,
moratorium,
reorganization
or other
similar laws
affecting the
enforcement
of the rights of creditors and by general
principles of equity,
whether in a
proceeding in equity or at law;
(viii)
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
with,
the lien of such
Mortgage
except
those
which are insured
against by the title
insurance
policy
referred to in (xiii)
below;
(ix)
as of the Cut-off
Date,
to the best of the Seller's
knowledge,
there was no
delinquent
tax or assessment
lien against the property
subject to any Mortgage,
except where such lien
was being contested in good faith and a stay had been granted
against levying on the property;
(x)
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;
(xi)
except to the extent
insurance is in place which will cover such damage,
each
Mortgaged
Property is free of material
damage and is in good repair and there is no
proceeding
pending
or threatened for the total or partial condemnation of any
Mortgaged Property;
(xii)
to the
best
of
the
Seller's
knowledge,
the
Mortgaged
Property
and
all
improvements
thereon comply with all
requirements
of any
applicable
zoning and
subdivision
laws and
ordinances;
(xiii)
a lender's
title
insurance
policy
(on an ALTA or CLTA
form) or binder,
or
other
assurance of title customary in the relevant
jurisdiction
therefor in a form acceptable to Fannie
Mae or the Federal Home Loan
Mortgage
Corporation,
was issued on the date that each
Mortgage
Loan was
originated by a title
insurance
company which, to the best of the Seller's
knowledge,
was qualified to
do business in the jurisdiction where the related Mortgaged
Property is located,
insuring the Seller and
its successors and assigns that the Mortgage is a first
priority lien on the related
Mortgaged
Property
in the
original
principal
amount of the
Mortgage
Loan.
The
Seller is the sole
insured
under
such
lender's title insurance policy,
and such policy,
binder or assurance is valid and remains in full force
and
effect,
and each
such
policy,
binder or
assurance
shall
contain
all
applicable
endorsements
including a negative amortization endorsement, if applicable;
10
(xiv)
at the time of
origination,
each
Mortgaged
Property
was the
subject of an
appraisal which conformed to the underwriting requirements of the
originator of the Mortgage Loan;
(xv)
as of the Closing Date, the improvements on each Mortgaged
Property securing a
Mortgage
Loan are insured (by an insurer
which is
acceptable
to the Seller)
against
loss by fire and
such hazards as are covered
under a standard
extended
coverage
endorsement
in the locale in which the
Mortgaged
Property is located,
in an amount
which is not less than the lesser of the maximum
insurable
value of the
improvements
securing such Mortgage
Loan or the Stated
Principal
Balance of the Mortgage
Loan,
but in no event in an amount less than an amount that is
required
to prevent the
Mortgagor
from
being
deemed
to
be a
co-insurer
thereunder;
if
the
improvement
on
the
Mortgaged
Property
is a
condominium
unit,
it is included
under the coverage
afforded by a blanket
policy for the
condominium
project;
if upon
origination of the related
Mortgage Loan, the
improvements on the Mortgaged
Property
were in an area identified as a federally
designated
flood area, a flood
insurance
policy is in effect
in an amount
representing
coverage
not less than the least of (i) the unpaid
principal
balance of the
Mortgage Loan, (ii) the restorable cost of
improvements
located on such Mortgaged
Property or (iii) the
maximum
coverage
available
under federal law; and each Mortgage
obligates the Mortgagor
thereunder to
maintain the insurance referred to above at the Mortgagor's cost
and expense;
(xvi)
each
Mortgage
Loan
constitutes
a
"qualified
mortgage"
under
Section
860G(a)(3)(A)
of the Internal
Revenue Code and Treasury
Regulation
Section
1.860G-2(a)(1),
(2), (4),
(5), (6), (7) and (9), without reliance on the provisions of
Treasury
Regulation
Section
1.860G-2(a)(3)
or Treasury
Regulation Section
1.860G-2(f)(2) or any other provision that would allow a Mortgage
Loan to
be treated as a
"qualified
mortgage"
notwithstanding
its failure to meet the
requirements
of Section
860G(a)(3)(A)
of the Internal
Revenue Code and Treasury
Regulation
Section
1.860G-2(a)(1),
(2), (4),
(5), (6), (7) and (9);
(xvii)
each
Mortgage
Loan
was
originated
or
funded
by (a) a
savings
and
loan
association,
savings bank,
commercial bank, credit union,
insurance company or similar institution that
is supervised
and examined by a federal or state
authority (or
originated by (i) a subsidiary of any of
the foregoing
institutions which subsidiary is actually supervised and examined
by applicable
regulatory
authorities
or (ii) a
mortgage
loan
correspondent
of any of the
foregoing
and that
was
originated
pursuant to the criteria
established
by any of the foregoing in a manner such that the related
Mortgage
Loan would be regarded for purposes of Section
3(a)(41) of the
Securities
and Exchange Act of 1934,
as
amended,
as having been originated by any of the foregoing) or (b) a
mortgagee
approved by the Secretary
of Housing
and Urban
Development
pursuant
to
Sections
203 and 211 of the
National
Housing
Act, as
amended;
(xviii)
none of the Mortgage Loans are (a) loans subject to 12 CFR Section
226.31,
12
CFR Section 226.32 or 12 CFR Section 226.34,
as amended,
or (b) "high cost home,"
"covered"
(excluding
home loans
defined as "covered
home loans" in the New Jersey Home
Ownership
Security
Act of 2002 that
11
were originated
between November 26, 2003 and July 7, 2004),
"high risk home" or "predatory" loans under
any applicable
state,
federal or local law (or a similarly
classified loan using different
terminology
under a law
imposing
heightened
regulatory
scrutiny or
additional
legal
liability
for
residential
mortgage loans having high interest rates, points and/or fees);
(xix)
no
Mortgage
Loan (a) is a "high cost loan" or
"covered
loan" as
applicable
(as such terms are defined in the current version of the S&P
LEVELS®
Glossary,
which is now Version 5.7,
Appendix E, attached
hereto as Exhibit 3, or, with respect to a Substitute
Mortgage
Loan, as such terms
are defined in the version of the S&P LEVELS®
Glossary in effect at the time such
Mortgage
Loan becomes
a Substitute
Mortgage
Loan) or (b) was
originated on or after October 1, 2002 through March 6, 2003 and
is governed by the Georgia Fair Lending Act;
(xx)
the information set forth in Annex I of the Prospectus
Supplement with respect
to the Mortgage Loans is true and correct in all material respects;
(xxi)
each
Mortgage
Loan
was
originated
generally
in
accordance
with
the
underwriting guidelines of the related originator;
(xxii)
each
original
Mortgage
has
been
recorded
or is in the
process
of
being
recorded in accordance
with the
requirements
of this
Agreement in the
jurisdiction
where the related
Mortgaged Property is located;
(xxiii)
the related
Mortgage
File
contains
each of the
documents
and
instruments
listed in the definition
thereof,
subject to any exceptions,
substitutions
and
qualifications
as are
set forth in this Agreement;
(xxiv) the Mortgage
Loans are
currently
being
serviced in
accordance
with accepted
servicing practices; and
(xxv)
at the time of
origination,
each
Mortgaged
Property
was the
subject of an
appraisal
which
conformed to the
underwriting
requirements of the originator of the Mortgage Loan, and
the
appraisal
is in a form
which
was
acceptable
to Fannie
Mae or the
Federal
Home
Loan
Mortgage
Corporation at the time of origination.
It is understood
and agreed that the
representations
and warranties set forth in this
Section 7 will inure to the benefit of the Purchaser and its
successors and assigns,
notwithstanding
any
restrictive
or qualified
endorsement
on any Mortgage Note or assignment of Mortgage or the
examination
of any Mortgage File. Upon any
substitution for a Mortgage Loan, the
representations
and warranties set
forth above
shall be deemed to be made by the Seller as to any
Substitute
Mortgage
Loan as of the date
of substitution.
Upon
discovery
by the Seller or upon
notice to the
Seller
from the
Purchaser,
the
Trustee or a Servicer of a breach of the Seller's
respective
representations
or warranties set forth in
12
Section 7 that
materially
and
adversely
affects the interests of the Purchaser or its assignees in any
Mortgage
Loan,
the Seller shall,
within 90 days from the earlier of the date of discovery by the
Seller
of such breach and the date the Seller
receives
written
notice of such breach,
(i) cure such breach in
all material
respects,
(ii) purchase the affected
Mortgage Loan at the applicable
Repurchase
Price or
(iii) if within two years of the
Closing
Date,
substitute
a
qualifying
Substitute
Mortgage
Loan in
exchange
for such
Mortgage
Loan.
The
obligations
of the Seller to cure,
purchase
or
substitute
a
qualifying
Substitute
Mortgage Loan shall constitute the sole and exclusive remedies of
the Purchaser or
its
assignees
respecting
a breach of
representations
or
warranties
hereunder
with
respect
to the
Mortgage
Loans.
A
breach
of the
representations
and
warranties
made in any of
clause
(xviii)
or
(xix)(b) of this Section 7 will be deemed to materially
and
adversely
affect the value of the interests
of the Purchaser or its assignees in the related
Mortgage Loan. Any repurchase or
substitution
required
pursuant to this Section 7 shall be carried out in accordance with
the requirements of Section 5.
Any cause of action
against
the Seller
relating
to or arising out of a breach by the
Seller of any
representations
and warranties made in this Section 7 shall accrue as to any
Mortgage Loan
upon (i) discovery of such breach by the Seller or written
notice thereof by the party
discovering
such
breach and (ii) failure by the Seller to cure such breach,
purchase
such
Mortgage
Loan or substitute a
qualifying Substitute Mortgage Loan pursuant to the terms hereof.
SECTION 8.
Representations
and
Warranties
Concerning
the
Seller.
As of
the
Closing Date, the Seller represents and warrants to the Purchaser
as follows:
(i)
The
Seller is a
national
banking
association
duly
organized
and
validly
existing
under the laws of the United States of America and is in compliance
with the laws of each state
in which any Mortgaged
Property is located to the extent necessary to ensure the
enforceability
of each
Mortgage Loan;
(ii)
The Seller has the power and
authority to make,
execute,
deliver and perform
its obligations under this Agreement and all of the transactions
contemplated
under this Agreement,
and
has taken all necessary
corporate
action to authorize the
execution,
delivery and
performance of this
Agreement;
(iii)
The Seller is not
required
to obtain the
consent of any other
Person or any
consents,
licenses,
approvals or
authorizations
from,
or
registrations
or
declarations
with,
any
governmental
authority,
bureau
or agency
in
connection
with the
execution,
delivery,
performance,
validity
or
enforceability
of
this
Agreement,
except
for
such
consents,
licenses,
approvals
or
authorizations,
or registrations
or declarations,
as shall have been obtained or filed, as the case may
be;
(iv)
The execution and delivery of this Agreement by the Seller and its
performance
and compliance
with the terms of this Agreement will not violate the Seller's
Articles of Association or
Bylaws or constitute a material
default (or an event which,
with notice or lapse of time, or both, would
constitute
a material
default)
under,
or result in the
material
breach of,
any
material
contract,
agreement or other
instrument
to which the Seller is a party or which is applicable to the Seller
or any
of its assets;
13
(v)
There are no actions,
suits,
proceedings or investigations
before any court,
tribunal,
administrative agency,
arbitrator or governmental body pending or, to the best of the
Seller's
knowledge,
threatened,
against the Seller,
that, if decided
adversely,
would materially and adversely
affect (A) the condition
(financial or otherwise),
business or operations of the Seller, (B) the ability
of the Seller to perform its obligations
under, or the validity or
enforceability
of, this Agreement or
the Pooling and Servicing Agreement or (C) the transactions
contemplated by this Agreement;
(vi)
This
Agreement
constitutes
a legal,
valid
and
binding
obligation
of the
Seller,
enforceable
against the Seller in accordance
with its terms,
except as
enforceability
may be
limited by applicable
bankruptcy,
insolvency,
reorganization,
moratorium
and other laws affecting the
enforcement
of creditors'
rights in general,
and by general
equity
principles,
regardless of whether
such enforceability is considered in a proceeding in equity or at
law;
(vii)
This Agreement
constitutes a valid transfer and assignment to the Purchaser of
all
right,
title and
interest
of the
Seller in and to the
Mortgage
Loans and the other
Transferred
Property,
and nothing has been done by the Seller to impair the rights of the
Purchaser or its assignees
with respect thereto;
(viii)
The Seller is not in default
with
respect to any order or decree of any court
or any order,
regulation
or demand of any
federal,
state,
or
municipal
governmental
agency,
which
default might have
consequences
that would materially and adversely
affect the condition
(financial or
otherwise)
or
operations
of the
Seller
or its
properties
or
might
have
consequences
that
would
materially adversely affect its performance hereunder; and
(ix)
The
information
in
the
Prospectus
Supplement
described
in
the
Sections
entitled
"SUMMARY—Mortgage
Pool," "THE MORTGAGE POOL" and "ANNEX
I—MORTGAGE POOL DATA" does not include
any untrue
statement of a material fact or omit to state a material
fact
necessary in order to make the
statements made, in light of the circumstances under which they
were made, not misleading.
SECTION 9.
Representations
and Warranties
Concerning
the Purchaser.
As of the
Closing Date, the Purchaser represents and warrants to the Seller
as follows:
(i)
The
Purchaser
(i) is a limited
liability
company
duly
organized,
validly
existing and in good
standing
under the laws of the State of Delaware and (ii) is qualified
and in good
standing in each
jurisdiction
where such
qualification
is
necessary,
except
where the failure so to
qualify would not
reasonably be expected to have a material
adverse effect on the
Purchaser's
business
as presently
conducted or on the
Purchaser's
ability to enter into this Agreement and to consummate the
transactions contemplated hereby;
14
(ii)
The Purchaser
has full
corporate
power to own its property,
to carry on its
business as presently conducted and to enter into and perform its
obligations under this Agreement;
(iii)
The execution and delivery by the
Purchaser of this
Agreement
have been duly
authorized by all necessary
corporate action on the part of the Purchaser;
and neither the execution and
delivery by the Purchaser of this Agreement,
nor the
consummation
by the Purchaser of the
transactions
herein
contemplated,
nor compliance by the Purchaser with the provisions
hereof,
will conflict with or
result in a breach of, or
constitute a default
under,
any of the
provisions
of any law,
governmental
rule,
regulation,
judgment,
decree
or
order
binding
on
the
Purchaser
or
its
properties
or the
certificate
of
formation
or
limited
liability
company
agreement
of
the
Purchaser,
except
those
conflicts,
breaches or defaults which would not reasonably be expected to have
a material
adverse effect
on the Purchaser's
ability to enter into this Agreement and to consummate the
transactions
contemplated
hereby;
(iv)
The execution,
delivery and performance by the Purchaser of this Agreement and
the
consummation by the Purchaser of the transactions
contemplated
hereby do not require the consent or
approval
of,
the
giving of notice
to, the
registration
with,
or the
taking of any other
action in
respect
of, any
state,
federal or other
governmental
authority
or
agency,
except
those
consents,
approvals, notices, registrations or other actions as have already
been obtained, given or made;
(v)
This
Agreement
has been duly
executed and
delivered by the
Purchaser
and,
assuming
due
authorization,
execution
and
delivery
by the
Seller,
constitutes
a valid and binding
obligation
of
the
Purchaser
enforceable
against
it
in
accordance
with
its
terms,
except
as
enforceability may be limited by applicable bankruptcy, insolvency,
reorganization,
moratorium and other
laws
affecting
the
enforcement
of
creditors'
rights in general,
and by general
equity
principles,
regardless of whether such enforceability is considered in a
proceeding in equity or at law; and
(vi)
there are no actions,
suits or proceedings pending or, to the knowledge of the
Purchaser,
threatened,
against the Purchaser,
before or by any court, administrative agency, arbitrator
or governmental
body (i) with respect to any of the
transactions
contemplated by this Agreement or (ii)
with respect to any other matter which in the judgment of the
Purchaser
will be
determined
adversely to
the Purchaser
and will if
determined
adversely to the
Purchaser
materially
and adversely
affect the
Purchaser's
ability to perform its obligations under this Agreement;
and the Purchaser is not in default
with respect to any order of any court,
administrative
agency,
arbitrator or governmental body so as to
materially and adversely affect the transactions contemplated by
this Agreement.
SECTION 10.
Conditions to Closing.
(1)
The
obligations
of the Purchaser
under this Agreement will be subject to the
satisfaction, on or prior to the Closing Date, of the following
conditions:
(a)
Each of the
obligations of the Seller
required to be performed at or
prior to the Closing
Date
pursuant to the terms of this
Agreement
shall have been duly
performed
and
complied with in all material
respects;
all of the
representations
and
warranties of the Seller under
15
this
Agreement
shall be true and correct as of the dates
specified in all material
respects;
no event
shall have
occurred
which,
with notice or the passage of time,
would
constitute a default
under this
Agreement;
and the Purchaser
shall have
received a
certificate
to that effect signed by an authorized
officer of the Seller.
(b)
The
Purchaser
shall
have
received
all
of the
following
closing
documents,
in such forms as are agreed upon and reasonably acceptable to the
Purchaser,
duly executed by
all signatories other than the Purchaser as required pursuant to
the respective terms thereof:
(i)
A
certificate
of an officer
of the
Seller
dated as of the
Closing Date,
in a form
reasonably
acceptable
to the
Purchaser,
and attached
thereto
copies of the
articles
of
association
and by-laws of the Seller and
evidence
as to the good
standing of the Seller
dated as of a recent date; and
(ii)
One or more
opinions of counsel from the Seller's
counsel in
form and substance reasonably satisfactory to the Purchaser.
(c)
The
certificates
to
be
issued
under
the
Pooling
and
Servicing
Agreement and sold to Wachovia
Capital
Markets,
LLC shall have been issued and sold to Wachovia Capital
Markets, LLC.
(d)
The
Seller
shall
have
furnished
to
the
Purchaser
such
other
certificates
of its
officers
or others and such other
documents
and
opinions
of counsel to evidence
fulfillment
of the conditions set forth in this
Agreement and the
transactions
contemplated
hereby as
the Purchaser and its counsel may reasonably request.
(2)
The
obligations
of the Seller
under this
Agreement
shall be subject to the
satisfaction, on or prior to the Closing Date, of the following
conditions:
(a)
The obligations of the Purchaser
required to be performed by it on or
prior to the Closing
Date
pursuant to the terms of this
Agreement
shall have been duly
performed
and
complied with in all material
respects,
and all of the
representations
and warranties of the Purchaser
under this
Agreement
shall be true and correct in all material
respects as of the date
hereof,
and no
event shall have occurred which would
constitute a breach by it of the terms of this
Agreement,
and the
Seller shall have received a certificate to that effect signed by
an authorized officer of the Purchaser.
(b)
The Seller shall have received copies of all of the following
closing
documents,
in such forms as are agreed upon and
reasonably
acceptable
to the Seller,
duly executed by
all signatories other than the Seller as required pursuant to the
respective terms thereof:
(i)
A certificate
of an officer of the Purchaser
dated as of the
Closing
Date,
in a form
reasonably
acceptable
to the
Seller,
and
attached
thereto
copies
of the
Purchaser's certificate of formation and limited liability company
agreement,
and evidence as to the good
standing of the Purchaser dated as of a recent date; and
16
(ii)
One or more
opinions
of
counsel
from the
Purchaser's
counsel in form and substance reasonably satisfactory to the
Seller.
SECTION 11.
Notices.
All demands,
notices and communications
hereunder shall be
in writing but may be delivered by facsimile transmission
subsequently
confirmed in writing.
Notices to
the
Seller
shall be
directed
to
Wachovia
Bank,
National
Association,
301
South
College
Street,
Charlotte,
North
Carolina
28288,
and notices to the Purchaser
shall be directed to Wachovia
Mortgage
Loan Trust,
LLC, 301 South College
Street,
NC5578-Suite G,
Charlotte,
NC 28288-5578;
or to any other
address as may
hereafter be
furnished
by one party to the other party by like notice.
Any such demand,
notice or
communication
hereunder
shall be deemed to have been
received
on the date
received
at the
premises of the addressee (as
evidenced,
in the case of registered or certified
mail, by the date noted
on the return
receipt)
provided that it is received on a business day during normal
business hours and,
if received after normal business hours, then it shall be deemed to
be received on the next business day.
SECTION 12.
Assignment
by
Purchaser.
As
an
inducement
to
the
Purchaser
to
purchase the Mortgage
Loans,
the Seller
acknowledges
and consents to the
Purchaser's
transfer of its
interest in this
Agreement
to the
Trustee
pursuant to the
Pooling
and
Servicing
Agreement
and the
enforcement
by the Trustee of any right or remedy
against the Seller
pursuant to this
Agreement.
Such
enforcement
of a right or remedy by the
Trustee
shall have the same force and effect as if the right or
remedy had been enforced or exercised by the Purchaser directly.
Notwithstanding the foregoing,
the sole
and
exclusive
right and remedy of the Trustee with respect to a breach of a
representation
or warranty
of the
Seller
shall be the cure,
purchase
or
substitution
obligations
of the
Seller
contained
in
Sections 5 and 7 hereof.
SECTION 13.
Representations,
Warranties and Agreements to Survive
Delivery.
All
representations,
warranties and agreements
contained in this Agreement,
or contained in certificates of
officers of the Seller
submitted
pursuant
hereto,
shall remain
operative and in full force and effect
and shall survive the sale of the Mortgage
Loans to the Purchaser and the transfer of the Mortgage
Loans
by the Purchaser to the Trustee.
SECTION 14.
Severability.
If any provision of this Agreement
shall be prohibited
or invalid
under
applicable
law,
this
Agreement
shall be
ineffective
only to such extent,
without
invalidating the remainder of this Agreement.
SECTION 15.
Counterparts.
This Agreement may be executed in counterparts, each of
which will be an original, but which together shall constitute one
and the same agreement.
SECTION 16.
Amendment.
This Agreement cannot be amended or modified in any manner
without the prior written consent of each party.
17
SECTION 17.
GOVERNING
LAW. THIS
AGREEMENT
SHALL BE GOVERNED BY AND CONSTRUED IN
ACCORDANCE
WITH
THE
LAWS OF THE
STATE
OF NEW
YORK,
WITHOUT
APPLICATION
OF THE
CONFLICTS
OF LAWS
PROVISIONS
THEREOF,
AND
THE
OBLIGATIONS,
RIGHTS
AND
REMEDIES
OF THE
PARTIES
HEREUNDER
SHALL
BE
DETERMINED IN ACCORDANCE WITH SUCH LAWS.
SECTION 18.
Further Assurances.
Each of the parties agrees to execute and deliver
such
instruments
and take such actions as another
party may, from time to time,
reasonably
request in
order to effectuate the purpose and to carry out the terms of this
Agreement.
SECTION 19.
Successors
and Assigns.
This
Agreement
shall bind and inure to the
benefit
of and be
enforceable
by the
Seller
and the
Purchaser
and their
permitted
successors
and
assigns.
The
Seller
acknowledges
and agrees
that the
Purchaser
may
assign
its
rights
under this
Agreement
to the
Trustee as
provided
in Section
12. Any person into which the Seller may be merged or
consolidated,
any person
resulting
from any merger or
consolidation
involving the Seller,
any person
resulting
from a change in form of the Seller or any person
succeeding
to the
business
of the Seller,
shall be
considered
the
"successor"
of the Seller
hereunder
and shall be
considered
a party hereto
without
the
execution
or filing of any paper or any
further
act or
consent
on the part of any party
hereto.
Except as provided in this Section and in Section 12 hereto,
this
Agreement
cannot be assigned
by either party hereto without the written consent of the other
parties to this Agreement.
SECTION 20.
Maintain
Rights in Effect.
The Seller
and the
Purchaser
will each
keep in full
effect all
rights
with
respect
to itself as are
necessary
to
perform
its
respective
obligations under this Agreement.
SECTION 21.
Entire
Agreement.
This Agreement
contains the entire
agreement and
understanding
between the parties with respect to the subject
matter
hereof,
and
supersedes all prior
and contemporaneous agreements,
understandings,
inducements and conditions,
express or implied, oral or
written, of any nature whatsoever with respect to the subject
matter hereof.
SECTION 22.
No Partnership.
Nothing herein contained shall be deemed or construed
to create a partnership or joint venture between the parties
hereto.
[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
18
IN WITNESS
WHEREOF,
the parties
hereto have
caused
their names to be signed
hereto by their
respective duly authorized officers as of the date first above
written.
WACHOVIA MORTGAGE LOAN TRUST, LLC
By:
/s/ Robert Perret
Name:
Robert Perret
Title:
Vice President
WACHOVIA BANK, NATIONAL ASSOCIATION
By:
/s/ Robert Perret
Name:
Robert Perret
Title:
Vice President
EXHIBIT 1
MORTGAGE LOAN SCHEDULE INFORMATION
The
Mortgage
Loan
Schedule
shall set forth the
following
information
with
respect to each
Mortgage Loan:
(a)
the city, state and zip code of the Mortgaged Property;
(b)
the property type;
(c)
the Mortgage Interest Rate;
(d)
the servicing fee rate;
(e)
the net mortgage interest rate;
(f)
the original term;
(g)
the maturity date;
(h)
the stated remaining term to maturity;
(i)
the original principal balance;
(j)
the first payment date;
(k)
the principal and interest payment in effect as of the Cut-off
Date;
(l)
the unpaid principal balance as of the Cut-off Date;
(m)
the loan-to-value ratio at origination;
(n)
the paid-through date;
(o)
the insurer of any primary mortgage insurance policy;
(p)
the gross margin;
(q)
the maximum Mortgage Interest Rate;
(r)
the minimum Mortgage Interest Rate;
(s)
the periodic rate cap;
(t)
the number of days delinquent, if any; and
(u)
the term for which the Mortgage Interest Rate is fixed.
Such
schedule
also shall set forth for all of the Mortgage
Loans,
the total number of Mortgage
Loans,
the total of each of the amounts
described
under (i) and (l) above,
the
weighted
average by principal
balance
as of the
Cut-off
Date of each of the rates
described
under (c),
(d) and (e) above,
and the
weighted average remaining term to maturity by unpaid principal
balance as of the Cut-off Date.
Ex. 1-2
EXHIBIT 2
SCHEDULE OF LOST NOTES
EXHIBIT 3
REVISED October 20, 2006
APPENDIX
E - Standard & Poor's Predatory Lending Categories
Standard & Poor's has
categorized
loans
governed by
anti-predatory
lending laws in the
Jurisdictions
listed
below into three
categories
based
upon a
combination
of
factors
that
include
(a) the risk
exposure
associated
with the
assignee
liability
and (b) the tests and
thresholds
set forth in those
laws.
Note that certain loans
classified
by the relevant
statute as Covered are included in Standard &
Poor's High Cost Loan
Category
because they
included
thresholds
and tests that are typical of what is
generally considered High Cost by the industry.
Standard & Poor's High Cost Loan Categorization
---------------------------------------------------------------------------------------------------------------------
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective
Category under Applicable
Date
Anti-Predatory Lending Law
----------------------------------
-------------------------------------------------
--------------------------------
----------------------------------
-------------------------------------------------
--------------------------------
Arkansas
Arkansas Home Loan Protection Act, Ark. Code
High Cost Home Loan
Ann. §§ 23-53-101 et seq.
Effective July 16, 2003
----------------------------------
-------------------------------------------------
--------------------------------
Cleveland Heights, OH
Ordinance No. 72-2003 (PSH), Mun. Code §§
Covered Loan
757.01 et seq.
Effective June 2, 2003
----------------------------------
-------------------------------------------------
--------------------------------
Colorado
Consumer Equity Protection, Colo. Stat. Ann. §§
Covered Loan
5-3.5-101 et seq.
Effective for covered loans offered or entered
into on or after January 1, 2003. Other
provisions of the Act took effect on June 7,
2002
----------------------------------
-------------------------------------------------
--------------------------------
Connecticut
Connecticut Abusive Home Loan Lending Practices
High Cost Home Loan
Act, Conn. Gen. Stat. §§ 36a-746 et seq.
Effective October 1, 2001
----------------------------------
-------------------------------------------------
--------------------------------
District of Columbia
Home Loan Protection Act, D.C. Code §§
Covered Loan
26-1151.01 et seq.
Effective for loans closed on or after January
28, 2003
----------------------------------
-------------------------------------------------
--------------------------------
----------------------------------
-------------------------------------------------
--------------------------------
Florida
Fair Lending Act, Fla. Stat. Ann. §§ 494.0078
High Cost Home Loan
et seq.
Effective October 2, 2002
----------------------------------
-------------------------------------------------
--------------------------------
---------------------------------------------------------------------------------------------------------------------
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective
Category under Applicable
Date
Anti-Predatory Lending Law
----------------------------------
-------------------------------------------------
--------------------------------
Georgia (Oct. 1, 2002 - Mar. 6,
Georgia Fair Lending Act, Ga. Code Ann. §§
High Cost Home Loan
2003)
7-6A-1 et seq.
Effective October 1, 2002 - March 6, 2003
----------------------------------
-------------------------------------------------
--------------------------------
Georgia as amended (Mar. 7, 2003
Georgia Fair Lending Act, Ga. Code Ann. §§
High Cost Home Loan
- current)
7-6A-1 et seq.
Effective for loans closed on or after March 7,
2003
----------------------------------
-------------------------------------------------
--------------------------------
HOEPA Section 32
Home Ownership and Equity Protection Act of
High Cost Loan
1994, 15 U.S.C. § 1639, 12 C.F.R. §§ 226.32 and
226.34
Effective October 1, 1995, amendments October
1, 2002
----------------------------------
-------------------------------------------------
--------------------------------
Illinois
High Risk Home Loan Act, Ill. Comp. Stat. tit.
High Risk Home Loan
815, §§ 137/5 et seq.
Effective January 1, 2004 (prior to this date,
regulations under Residential Mortgage License
Act effective from May 14, 2001)
----------------------------------
-------------------------------------------------
--------------------------------
Indiana Home Loan Practices Act, Ind. Code Ann.
Indiana
§§ 24-9-1-1 et seq.
High Cost Home Loans
Effective January 1, 2005; amended by 2005 HB
1179, effective July 1, 2005
----------------------------------
-------------------------------------------------
--------------------------------
Kansas
Consumer Credit Code, Kan. Stat. Ann. §§
High Loan to Value Consumer
16a-1-101 et seq.
Loan (id. § 16a-3-207) and;
Sections 16a-1-301 and 16a-3-207 became
effective April 14, 1999; Section 16a-3-308a
became effective July 1, 1999
----------------------------------
-------------------------------------------------
--------------------------------
High APR Consumer Loan (id. §
16a-3-308a)
----------------------------------
-------------------------------------------------
--------------------------------
Kentucky
2003 KY H.B. 287 - High Cost Home Loan Act, Ky.
High Cost Home Loan
Rev. Stat. §§ 360.100 et seq.
Effective June 24, 2003
----------------------------------
-------------------------------------------------
--------------------------------
---------------------------------------------------------------------------------------------------------------------
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective
Category under Applicable
Date
Anti-Predatory Lending Law
----------------------------------
-------------------------------------------------
--------------------------------
Maine
Truth in Lending, Me. Rev. Stat. tit. 9-A, §§
High Rate High Fee Mortgage
8-101 et seq.
Effective September 29, 1995 and as amended
from time to time
----------------------------------
-------------------------------------------------
--------------------------------
Massachusetts
Part 40 and Part 32, 209 C.M.R. §§ 32.00 et
High Cost Home Loan
seq. and 209 C.M.R. §§ 40.01 et seq.
Effective March 22, 2001 and amended from time
to time
----------------------------------
-------------------------------------------------
--------------------------------
Nevada
Assembly Bill No. 284, Nev. Rev. Stat. §§
Home Loan
598D.010 et seq.
Effective October 1, 2003
----------------------------------
-------------------------------------------------
--------------------------------
New Jersey
New Jersey Home Ownership Security Act of 2002,
High Cost Home Loan
N.J. Rev. Stat. §§ 46:10B-22 et seq.
Effective for loans closed on or after November
27, 2003
----------------------------------
-------------------------------------------------
--------------------------------
New Mexico
Home Loan Protection Act, N.M. Rev. Stat. §§
High Cost Home Loan
58-21A-1 et seq.
Effective as of January 1, 2004; Revised as of
February 26, 2004
----------------------------------
-------------------------------------------------
--------------------------------
New York
N.Y. Banking Law Article 6-l
High Cost Home Loan
Effective for applications made on or after
April 1, 2003
----------------------------------
-------------------------------------------------
--------------------------------
North Carolina
Restrictions and Limitations on High Cost Home
High Cost Home Loan
Loans, N.C. Gen. Stat. §§ 24-1.1E et seq.
Effective July 1, 2000; amended October 1, 2003
(adding open-end lines of credit)
----------------------------------
-------------------------------------------------
--------------------------------
---------------------------------------------------------------------------------------------------------------------
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective
Category under Applicable
Date
Anti-Predatory Lending Law
----------------------------------
-------------------------------------------------
--------------------------------
Ohio
H.B. 386 (codified in various sections of the
Covered Loan
Ohio Code), Ohio Rev. Code Ann. §§ 1349.25 et
seq.
Effective May 24, 2002
----------------------------------
-------------------------------------------------
--------------------------------
Rhode Island
Rhode Island Home Loan Protection Act, R.I.
High Cost Home Loan
Gen. Laws §§ 34-25.2-1 et seq.
Effective
December 31, 2006
----------------------------------
-------------------------------------------------
--------------------------------
Oklahoma
Consumer Credit Code (codified in various
Subsection 10 Mortgage
sections of Title 14A)
Effective July 1, 2000; amended effective
January 1, 2004
----------------------------------
-------------------------------------------------
--------------------------------
South Carolina
South Carolina High Cost and Consumer Home
High Cost Home Loan
Loans Act, S.C. Code Ann. §§ 37-23-10 et seq.
Effective for loans taken on or after January
1, 2004
----------------------------------
-------------------------------------------------
--------------------------------
Tennessee
Tennessee Home Loan Protection Act, Tenn. Code
High Cost Home Loan
Ann. §§ 45-20-101 et seq.
Effective January 1,
2007
----------------------------------
-------------------------------------------------
--------------------------------
West Virginia
West Virginia Residential Mortgage Lender,
West Virginia Mortgage Loan
Broker and Servicer Act, W. Va. Code Ann. §§
Act Loan
31-17-1 et seq.
Effective June 5, 2002
----------------------------------
-------------------------------------------------
--------------------------------
Standard & Poor's Covered Loan Categorization
----------------------------------
-------------------------------------------------
--------------------------------
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective
Category under Applicable
Date
Anti-Predatory Lending Law
----------------------------------
-------------------------------------------------
--------------------------------
Georgia (Oct. 1, 2002 - Mar. 6,
Georgia Fair Lending Act, Ga. Code Ann. §§
Covered Loan
2003)
7-6A-1 et seq.
Effective October 1, 2002 - March 6, 2003
----------------------------------
-------------------------------------------------
--------------------------------
----------------------------------
-------------------------------------------------
--------------------------------
New Jersey
New Jersey Home Ownership Security Act of 2002,
Covered Home Loan
N.J. Rev. Stat. §§ 46:10B-22 et seq.
Effective November 27, 2003 - July 5, 2004
----------------------------------
-------------------------------------------------
--------------------------------
Standard & Poor's Home Loan Categorization
----------------------------------
-------------------------------------------------
--------------------------------
State/Jurisdiction
Name of Anti-Predatory Lending Law/Effective
Category under Applicable
Date
Anti-Predatory Lending Law
----------------------------------
-------------------------------------------------
--------------------------------
Georgia (Oct. 1, 2002 - Mar. 6,
Georgia Fair Lending Act, Ga. Code Ann. §§
Home Loan
2003)
7-6A-1 et seq.
Effective October 1, 2002 - March 6, 2003
----------------------------------
-------------------------------------------------
--------------------------------
New Jersey
New Jersey Home Ownership Security Act of 2002,
Home Loan
N.J. Rev. Stat. §§ 46:10B-22 et seq.
Effective for loans closed on or after November
27, 2003
----------------------------------
-------------------------------------------------
--------------------------------
New Mexico
Home Loan Protection Act, N.M. Rev. Stat. §§
Home Loan
58-21A-1 et seq.
Effective as of January 1, 2004; Revised as of
February 26, 2004
----------------------------------
-------------------------------------------------
--------------------------------
North Carolina
Restrictions and Limitations on High Cost Home
Consumer Home Loan
Loans, N.C. Gen. Stat. §§ 24-1.1E et seq.
Effective July 1, 2000; amended October 1, 2003
(adding open-end lines of credit)
----------------------------------
-------------------------------------------------
--------------------------------
South Carolina
South Carolina High Cost and Consumer Home
Consumer Home Loan
Loans Act, S.C. Code Ann. §§ 37-23-10 et seq.
Effective for loans taken on or after January
1, 2004
----------------------------------
-------------------------------------------------
--------------------------------
SCHEDULE A
MORTGAGE LOAN SCHEDULE
WMLT 2006-ALT1 Seller: Wachovia Bank
SELLER_LOANID
LOANID
CITY
STATE
ZIP
0604206212
0080020753
DELANO
CA
93215
0605038992
0080020755
PATERSON
NJ
07502
0605083353
0080020757
GOLETA
CA
93117
0605094564
0080020758
NEW YORK
NY
10027
0605094791
0080020759
BROOKSVILLE
FL
34601
0605128963
0080020760
HIALEAH
FL
33012
0605161688
0080020761
NAPLES
FL
34116
0605173255
0080020762
BALTIMORE
MD
21230
0605184727
0080020764
BRANDON
FL
33510
0605185090
0080020765
ALBUQUERQUE
NM
87112
0605185575
0080020766
CRESTVIEW
FL
32536
0605196695
0080020767
NORTH MIAMI
FL
33168
0605196863
0080020768
WEST BABYLON
NY
11704
0605239808
0080020769
FORT LAUDERDALE
FL
33311
0605252613
0080020770
SOUTH RICHMOND HILL
NY
11419
0606016838
0080020771
TUCSON
AZ
85710
0606017419
0080020772
HEBO
OR
97122
0606028664
0080020775
LAIE
HI
96762
0606050833
0080020776
FRESNO
CA
93702
0606059969
0080020777
BIRMINGHAM
AL
35242
0606061526
0080020778
SPANISH FORK
UT
84660
0606084860
0080020779
MOUNT PROSPECT
IL
60056
0606084990
0080020780
COLUMBUS
OH
43231
0606085129
0080020781
SOMERVILLE
MA
02145
0606095667
0080020782
HOPE VALLEY
RI
02832
0606096085
0080020783
ORLANDO
FL
32811
0606096421
0080020784
MIRAMAR
FL
33023
0606096500
0080020785
LOGANVILLE
GA
30052
0606139584
0080020786
EDGEWATER
FL
32132
0606139622
0080020787
LAS VEGAS
NV
89123
0606140745
0080020788
WILLIAMSTOWN
NJ
08094
0606153062
0080020789
HAINESVILLE
IL
60073
0606163989
0080020790
MIAMI GARDENS
FL
33054
0606195405
0080020791
JACKSONVILLE
FL
32220
0606206730
0080020792
TEMPE
AZ
85282
0606218671
0080020793
KATY
TX
77450
0601191792
0080020794
COLUMBIA
MD
21045
0601191975
0080020795
CHINO
CA
91710
0604250695
0080020797
TUSCALOOSA
AL
35405
0605027556
0080020798
HYATTSVILLE
MD
20782
0605049929
0080020799
PALM DESERT
CA
92260
0605106190
0080020800
DESERT HOT SPRINGS
CA
92240
0605117658
0080020801
CHICAGO
IL
60647
0605150811
0080020803
GILROY
CA
95020
0605161593
0080020804
SAN DIEGO
CA
92108
0605161645
0080020806
MIDDLEBURG
FL
32068
0605173260
0080020807
PALM COAST
FL
32164
0605173294
0080020808
KISSIMMEE
FL
34759
0605173807
0080020809
EL MONTE
CA
91733
0605173867
0080020810
AVERILL PARK
NY
12018
0605184735
0080020811
HOUSTON
TX
77072
0605184755
0080020812
TAMARAC
FL
33321
0605185051
0080020813
CICERO
IL
60804
0605227250
0080020814
BELLEVUE
WA
98005
0605227472
0080020815
ORLANDO
FL
32809
0605227615
0080020816
DENVER
CO
80216
0605239102
0080020817
CHICAGO
IL
60623
0605239141
0080020819
HAMPTON
GA
30228
0605239503
0080020820
LADERA RANCH
CA
92694
0605239518
0080020821
PALM COAST
FL
32164
0605239610
0080020822
SAN FRANCISCO
CA
94133
0605240744
0080020823
SAINT GEORGE
UT
84770
0605240760
0080020824
FORT LAUDERDALE
FL
33312
0605240765
0080020825
WEST VALLEY CITY
UT
84128
0605241236
0080020826
SANFORD
FL
32771
0605241418
0080020827
NORTH MIAMI
FL
33167
0605252461
0080020828
FORT WORTH
TX
76140
0605252704
0080020829
DUNNELLON
FL
34432
0605263415
0080020830
WEST BABYLON
NY
11704
0605263506
0080020831
WESTON
CT
06883
0605263645
0080020832
GROVELAND
FL
34736
0605304854
0080020833
CALEXICO
CA
92231
0605304908
0080020834
LAS VEGAS
NV
89115
0605304974
0080020835
MINNEAPOLIS
MN
55407
0606016907
0080020836
HOMESTEAD
FL
33033
0606016944
0080020837
EL CAJON
CA
92021
0606017022
0080020838
SAN DIEGO
CA
92154
0606028524
0080020839
COLLEGE PARK
GA
30349
0606050893
0080020841
MORTON GROVE
IL
60053
0606059858
0080020842
GILROY
CA
95020
0606059880
0080020843
LITTLETON
CO
80126
0606061435
0080020844
PALM BAY
FL
32907
0606062066
0080020845
BELLEVUE
WA
98007
0606062120
0080020846
LAKEWOOD
WA
98498
0606062247
0080020847
MIRAMAR
FL
33027
0606062311
0080020848
BROOKLYN CENTER
MN
55430
0606073625
0080020850
SOUTHINGTON
CT
06489
0606084418
0080020851
DENVER
CO
80249
0606084436
0080020852
AUSTIN
TX
78704
0606084456
0080020853
ROCKVILLE
MD
20852
0606084659
0080020854
ACWORTH
GA
30102
0606084684
0080020855
INTERNATIONAL FALLS
MN
56649
0606085226
0080020857
MIAMI LAKES
FL
33014
0606085319
0080020858
ALVA
FL
33920
0606096260
0080020859
CLEARWATER
FL
33764
0606127550
0080020860
DANIA
FL
33004
0606128110
0080020861
MURRIETA
CA
92563
0606139203
0080020862
FLUSHING
NY
11354
0606139733
0080020863
UPPER MARLBORO
MD
20772
0606140816
0080020864
LITHONIA
GA
30058
0606152148
0080020865
BELLEVILLE
IL
62220
0606152464
0080020867
ESCONDIDO
CA
92029
0606163896
0080020868
HIALEAH
FL
33014
0606194854
0080020869
SCOTTSDALE
AZ
85260
0606206923
0080020870
JACKSONVILLE
FL
32221
0606218354
0080020872
PHILADELPHIA
PA
19125
0606229822
0080020873
COLORADO SPRINGS
CO
80909
0004251549
0080020874
MODESTO
CA
95350
0004251579
0080020875
CINCINNATI
OH
45212
0004251626
0080020876
YORKTOWN
VA
23693
0004251645
0080020877
EUGENE
OR
97402
0004251699
0080020879
MERIDIAN
ID
83646
0004251700
0080020880
EAGLE
ID
83616
0004251904
0080020883
BALTIMORE
MD
21206
0004257050
0080020885
AMMON
ID
83406
0004257253
0080020886
BREMERTON
WA
98312
0004257256
0080020887
BREMERTON
WA
98312
0004257269
0080020888
BALTIMORE
MD
21244
0004257305
0080020889
VIRGINIA BEACH
VA
23451
0004408474
0080020891
RIVERDALE
MD
20737
0004462660
0080020892
RO
DE
19971
0004486544
0080020893
SPANAWAY
WA
98387
0004528432
0080020894
CHICAGO
IL
60605
0004528935
0080020895
JACKSONVILLE
FL
32256
0004560887
0080020896
JACKSONVILLE
FL
32256
0004596923
0080020899
GAINESVILLE
FL
32608
0004601749
0080020900
BARTLETT
IL
60103
0004637452
0080020901
DAYTON
OH
45419
0004647893
0080020902
DES MOINES
IA
50316
0004656955
0080020903
MITCHELLVILLE
MD
20721
0004666394
0080020905
OTTAWA
IL
61350
0004668191
0080020906
BLOOMFIELD
NJ
07003
0004670706
0080020907
DUMONT
NJ
07628
0004670970
0080020908
VIRGINIA BEACH
VA
23464
0004674511
0080020909
CANAAN
NH
03741
0004676429
0080020910
ROSS
OH
45014
0004679334
0080020912
BALTIMORE
MD
21133
0004691708
0080020913
GUNNISON
CO
81230
0004692268
0080020914
BRISTOW
VA
20136
0004695918
0080020915
ELK GROVE
CA
95757
0004700038
0080020916
SHOW LOW
AZ
85901
0004702176
0080020917
MESA
AZ
85206
0004702283
0080020918
LAVEEN
AZ
85339
0004703189
0080020919
SALT LAKE CITY
UT
84109
0004704110
0080020920
TACOMA
WA
98418
0004705028
0080020921
NORTH BEACH
MD
20714
0004706563
0080020923
RIVERDALE
GA
30274
0004711892
0080020926
ROCKLIN
CA
95677
0004714161
0080020927
FEDERAL WAY
WA
98023
0004714411
0080020928
CHICAGO
IL
60608
0004714512
0080020929
CUMMING
GA
30040
0004714556
0080020930
ROCKLIN
CA
95677
0004715358
0080020932
GLENOLDEN
PA
19036
0004716371
0080020933
CHICAGO
IL
60657
0004716613
0080020934
ROCKLIN
CA
95677
0004720813
0080020936
EDGEWATER
MD
21037
0004722901
0080020937
SPOKANE
WA
99212
0004724550
0080020940
GROVE CITY
PA
16127
0004724987
0080020941
DOWNERS GROVE
IL
60516
0004725024
0080020942
FAYETTEVILLE
GA
30214
0004725108
0080020943
GRAPEVINE
TX
76051
0004725124
0080020944
SHELTON
WA
98584
0004726507
0080020945
TRUSSVILLE
AL
35173
0004727204
0080020947
PHOENIX
AZ
85048
0004727212
0080020948
MILWAUKEE
WI
53202
0004729105
0080020951
CULPEPER
VA
22701
0004729222
0080020952
PISCATAWAY
NJ
08854
0004729620
0080020955
NEWARK
NJ
07106
0004729639
0080020956
MESA
AZ
85206
0004729667
0080020957
MESA
AZ
85206
0004731733
0080020961
GAITHERSBURG
MD
20886
0004733167
0080020962
STOCKTON
CA
95210
0004733173
0080020963
YUBA CITY
CA
95991
0004733412
0080020964
SHOW LOW
AZ
85901
0004733418
0080020965
KANSAS CITY
MO
64113
0004733912
0080020966
VIRGINIA BEACH
VA
23462
0004734249
0080020968
LAKE HAVASU CITY
AZ
86403
0004734515
0080020970
PINGREE GROVE
IL
60140
0004734843
0080020971
HAMPTON
GA
30228
0004735455
0080020972
CAPE CORAL
FL
33909
0004735553
0080020973
BULLHEAD CITY
AZ
86429
0004735666
0080020974
FORESTVILLE
MD
20747
0004735716
0080020975
PUNTA GORDA
FL
33982
0004735794
0080020976
CHESAPEAKE
VA
23323
0004735920
0080020977
TACOMA
WA
98405
0004737823
0080020978
OCEAN VIEW
NJ
08230
0004738081
0080020979
PATERSON
NJ
07514
0004738127
0080020980
SHOW LOW
AZ
85901
0004738175
0080020981
GAINESVILLE
FL
32608
0004738528
0080020982
COLUMBUS
OH
43204
0004739562
0080020984
LYNN
MA
01902
0004739857
0080020985
ELLICOTT CITY
MD
21042
0004740020
0080020987
VICTORVILLE
CA
92395
0004740639
0080020988
TOWSON
MD
21286
0004741085
0080020989
SAN ANTONIO
TX
78254
0004741335
0080020990
NORFOLK
VA
23508
0004741400
0080020991
NORTH MIAMI
FL
33181
0004741490
0080020992
MONROE
NJ
08831
0004741537
0080020993
NORTH MIAMI
FL
33181
0004741859
0080020998
YUCAIPA
CA
92379
0004743316
0080020999
CHICAGO
IL
60632
0004743850
0080021000
BOISE
ID
83713
0004744034
0080021002
HILMAR
CA
95324
0004744278
0080021003
PHOENIX
AZ
85016
0004744425
0080021004
BALTIMORE
MD
21224
0004744877
0080021006
MAYS LANDING
NJ
08330
0004745574
0080021007
RANCHO CUCAMONGA
CA
91701
0004746377
0080021008
LILBURN
GA
30047
0004746433
0080021009
LOVELAND
OH
45140
0004746680
0080021012
ORANGE BEACH
AL
36561
0004747584
0080021013
CAMBRIDGE
MA
02140
0004747738
0080021014
OSTERVILLE
MA
02655
0004747761
0080021015
ROCKVILLE
MD
20852
0004748161
0080021016
TACOMA
WA
98445
0004748232
0080021019
BREMERTON
WA
98312
0004748246
0080021020
METHUEN
MA
01844
0004748318
0080021021
RESTON
VA
20191
0004748373
0080021022
PHILADELPHIA
PA
19115
0004748381
0080021023
JACKSONVILLE
FL
32256
0004748913
0080021025
MESA
AZ
85206
0004749805
0080021029
CHANDLER
AZ
85225
0004749821
0080021030
PUYALLUP
WA
98374
0004749948
0080021032
SHOREWOOD
IL
60431
0004750351
0080021035
ORLANDO
FL
32811
0004750359
0080021036
FILLMORE
CA
93015
0004750430
0080021037
GRANBURY
TX
76049
0004750470
0080021038
RENTON
WA
98055
0004750585
0080021039
VIRGINIA BEACH
VA
23456
0004750655
0080021040
ROCKLIN
CA
95677
0004750842
0080021041
CHICAGO
IL
60640
0004750884
0080021043
MIAMI
FL
33131
0004750889
0080021044
ROCKLIN
CA
95677
0004752180
0080021046
STERLING
VA
20164
0004752520
0080021051
MENTONE
CA
92359
0004752542
0080021052
GURNEE
IL
60031
0004753035
0080021054
SCOTTSDALE
AZ
85262
0004753511
0080021055
LOS ANGELES
CA
90047
0004754486
0080021057
GRANTS PASS
OR
97527
0004754595
0080021059
CHICAGO
IL
60660
0004754612
0080021060
MUNDELEIN
IL
60060
0004754647
0080021061
READING
PA
19602
0004754718
0080021063
COUNTRYSIDE
IL
60525
0004754842
0080021064
SILVER SPRING
MD
20902
0004754844
0080021065
CINCINNATI
OH
45212
0004754891
0080021066
JACKSONVILLE
FL
32224
0004755069
0080021067
GAINESVILLE
FL
32608
0004755116
0080021069
OSAGE BEACH
MO
65065
0004755193
0080021070
LAUREL
MD
20707
0004755267
0080021071
JACKSONVILLE
FL
32224
0004755456
0080021074
FORNEY
TX
75126
0004755498
0080021075
FORKED RIVER
NJ
08731
0004756244
0080021076
MORENO VALLEY
CA
92557
0004756561
0080021077
LAVEEN
AZ
85339
0004756750
0080021078
RIDGWAY
CO
81432
0004756798
0080021079
DUNELLEN
NJ
07063
0004756807
0080021080
SUITLAND
MD
20746
0004756952
0080021081
JACKSONVILLE
FL
32224
0004756979
0080021082
CLEVELAND
OH
44113
0004757137
0080021084
CHICAGO HEIGHTS
IL
60411
0004757333
0080021085
ATLANTA
GA
30309
0004757763
0080021086
MOSES LAKE
WA
98837
0004758123
0080021088
BEND
OR
97702
0004758265
0080021089
SEATTLE
WA
98119
0004758362
0080021090
VICTORVILLE
CA
92395
0004758415
0080021091
SAN DIEGO
CA
92139
0004758550
0080021092
RENO
NV
89523
0004758985
0080021095
JACKSONVILLE
FL
32224
0004759303
0080021096
CHICAGO
IL
60634
0004759640
0080021097
HUNTERSVILLE
NC
28078
0004760179
0080021099
ANCHORAGE
AK
99501
0004760311
0080021100
EVANSTON
IL
60201
0004760339
0080021101
TORRANCE
CA
90501
0004760354
0080021102
ALEXANDRIA
VA
22314
0004760455
0080021105
WEST SACRAMENTO
CA
95691
0004760596
0080021106
BALTIMORE
MD
21225
0004760917
0080021108
SAINT LOUIS
MO
63109
0004761087
0080021109
SILVER SPRING
MD
20901
0004762116
0080021111
BENSENVILLE
IL
60106
0004762488
0080021113
OVIEDO
FL
32766
0004762560
0080021114
BAKERSFIELD
CA
93308
0004762684
0080021116
SPOKANE
WA
99218
0004762861
0080021117
BAY POINT
CA
94565
0004762934
0080021118
KENT
WA
98042
0004763077
0080021119
PLYMOUTH
MI
48170
0004763189
0080021120
ADELANTO
CA
92301
0004764028
0080021122
PHOENIX
AZ
85029
0004764136
0080021123
TEMPE
AZ
85282
0004764514
0080021124
AVENTURA
FL
33160
0004764571
0080021125
KIRKLAND
WA
98033
0004764764
0080021126
ALEXANDRIA
VA
22312
0004764993
0080021127
HYATTSVILLE
MD
20785
0004765045
0080021128
LONG BEACH
WA
98631
0004765187
0080021129
CHICO
CA
95928
0004765228
0080021130
CHESAPEAKE
VA
23325
0004765243
0080021131
PALM SPRINGS
CA
92262
0004765374
0080021133
STOCKTON
CA
95206
0004765387
0080021134
APEX
NC
27502
0004765400
0080021135
RENO
NV
89509
0004765419
0080021136
VIRGINIA BEACH
VA
23453
0004765461
0080021138
LAVEEN
AZ
85339
0004765488
0080021139
RENO
NV
89523
0004765519
0080021140
VAIL
AZ
85641
0004765544
0080021142
GARDEN GROVE
CA
92841
0004765557
0080021143
VANCOUVER
WA
98684
0004765558
0080021144
VANCOUVER
WA
98684
0004765559
0080021145
VANCOUVER
WA
98684
0004765560
0080021146
VANCOUVER
WA
98684
0004765564
0080021147
VANCOUVER
WA
98662
0004765566
0080021148
VANCOUVER
WA
98684
0004765608
0080021149
TACOMA
WA
98404
0004765697
0080021150
JACKSONVILLE
FL
32224
0004765765
0080021151
CALEXICO
CA
92231
0004767134
0080021156
MORENO VALLEY
CA
92557
0004767454
0080021158
SANTA ROSA
CA
95403
0004767495
0080021159
HAMPTON
VA
23669
0004767544
0080021161
NORFOLK
VA
23504
0004767615
0080021162
PIKESVILLE
MD
21208
0004767783
0080021164
CHESTER
VA
23831
0004767894
0080021165
BRUNSWICK
OH
44212
0004768302
0080021169
SPOKANE VALLEY
WA
98202
0004768512
0080021170
PEORIA
AZ
85383
0004768702
0080021172
MESA
AZ
85206
0004768715
0080021173
ANOKA
MN
55303
0004769031
0080021174
STERLING
VA
20166
0004769250
0080021176
CASA GRANDE
AZ
85222
0004769432
0080021180
BEXLEY
OH
43209
0004769442
0080021181
KISSIMMEE
FL
34741
0004769896
0080021183
SEATTLE
WA
98119
0004769983
0080021184
HEBRON
KY
41048
0004770109
0080021185
SAINT LOUIS PARK
MN
55416
0004770365
0080021186
HONOLULU
HI
96818
0004770742
0080021188
BEAVER FALLS
PA
15010
0004770751
0080021189
JACKSONVILLE
FL
32224
0004771265
0080021190
BALTIMORE
MD
21239
0004771273
0080021191
SCOTTSDALE
AZ
85251
0004771336
0080021192
CASA GRANDE
AZ
85222
0004771375
0080021193
PHOENIX
AZ
85043
0004771378
0080021194
SPRINGFIELD
MO
65810
0004771437
0080021195
MALIN
OR
97632
0004771456
0080021196
SPARKS
NV
89431
0004771534
0080021198
COLUMBIA
MD
21044
0004772130
0080021199
POST FALLS
ID
83854
0004772847
0080021202
OLATHE
KS
66061
0004772854
0080021203
RANCHO CORDOVA
CA
95670
0004772880
0080021204
KILLEEN
TX
76543
0004772897
0080021205
WAYNE
NJ
07470
0004772936
0080021206
AURORA
IL
60503
0004772979
0080021207
ORLANDO
FL
32839
0004773014
0080021208
JACKSONVILLE
FL
32224
0004773081
0080021209
BALTIMORE
MD
21221
0004773183
0080021210
CENTREVILLE
VA
20121
0004773237
0080021211
ROUND ROCK
TX
78664
0004773408
0080021213
ROMEOVILLE
IL
60446
0004773450
0080021214
GOOSE CREEK
SC
29445
0004773474
0080021215
PALM BAY
FL
32908
0004773529
0080021216
CHANDLER
AZ
85249
0004773565
0080021217
VIRGINIA BEACH
VA
23454
0004773579
0080021218
OAK PARK
IL
60302
0004773611
0080021219
AVONDALE
AZ
85323
0004773624
0080021220
PHOENIX
AZ
85032
0004775134
0080021225
PANAMA CITY BEACH
FL
32408
0004775231
0080021228
ABERDEEN
WA
98520
0004775502
0080021230
SAN DIEGO
CA
92114
0004775525
0080021231
CASA GRANDE
AZ
85222
0004775546
0080021232
MAITLAND
FL
32751
0004775594
0080021233
PORTLAND
OR
97220
0004775612
0080021234
MELBOURNE
FL
32901
0004775641
0080021235
BOXFORD
MA
01921
0004775648
0080021236
TUCSON
AZ
85745
0004776570
0080021240
GREAT MILLS
MD
20634
0004776579
0080021241
NAPLES
FL
34119
0004776625
0080021242
CHICAGO
IL
60625
0004776876
0080021245
RENO
NV
89506
0004776958
0080021246
ODENTON
MD
21113
0004777017
0080021248
WEST LONG BRANCH
NJ
07764
0004777069
0080021249
BILLERICA
MA
01821
0004777153
0080021251
COLUMBIA
MO
65202
0004777156
0080021252
COLUMBIA
MO
65202
0004777164
0080021253
WASHINGTON
DC
20032
0004777168
0080021254
NAPERVILLE
IL
60565
0004777266
0080021257
PURCELLVILLE
VA
20132
0004777267
0080021258
LEXINGTON PARK
MD
20653
0004777461
0080021259
PHOENIX
AZ
85007
0004777482
0080021260
CHESAPEAKE
VA
23320
0004777630
0080021262
DENVER
CO
80203
0004777715
0080021263
HAMPTON
VA
23666
0004778319
0080021264
BEND
OR
97707
0004778892
0080021266
NORFOLK
VA
23503
0004778904
0080021267
LODI
CA
95240
0004779195
0080021270
INDIAN SPRINGS
NV
89018
0004779225
0080021271
WARWICK
RI
02886
0004779238
0080021272
LYNWOOD
IL
60411
0004779315
0080021273
PALOS HILLS
IL
60465
0004779617
0080021274
GLENDALE
AZ
85308
0004780013
0080021276
CHICAGO
IL
60629
0004780111
0080021277
PHOENIX
AZ
85085
0004780571
0080021278
PALM BAY
FL
32909
0004780758
0080021281
VIRGINIA BEACH
VA
23453
0004780784
0080021282
JACKSONVILLE
FL
32224
0004780795
0080021283
STOCKTON
CA
95219
0004780829
0080021284
PUNTA GORDA
FL
33982
0004780874
0080021285
FREDERICKSBURG
VA
22401
0004780889
0080021286
CENTRALIA
WA
98531
0004780928
0080021287
LEXINGTON PARK
MD
20653
0004780965
0080021288
SACRAMENTO
CA
95820
0004780983
0080021289
JACKSONVILLE
FL
32224
0004781002
0080021290
JACKSONVILLE
FL
32224
0004781092
0080021291
TEMPE
AZ
85283
0004781150
0080021294
REDDING
CA
96001
0004781175
0080021295
PHOENIX
AZ
85015
0004781260
0080021296
BALTIMORE
MD
21231
0004782438
0080021297
PICO RIVERA
CA
90660
0004782680
0080021298
WOODRIDGE
IL
60517
0004782715
0080021299
MESA
AZ
85206
0004782857
0080021300
HAYMARKET
VA
20169
0004782924
0080021302
SCOTTSDALE
AZ
85254
0004782944
0080021303
STERLING
VA
20165
0004782996
0080021304
SPOKANE
WA
99203
0004783034
0080021306
VIRGINIA BEACH
VA
23456
0004783095
0080021307
ANNA MARIA
FL
34216
0004783196
0080021308
AGAWAM
MA
01001
0004783221
0080021309
PHOENIX
AZ
85086
0004783262
0080021310
RENO
NV
89506
0004783311
0080021311
WALLA WALLA
WA
99362
0004783365
0080021312
OLYMPIA
WA
98513
0004783521
0080021313
MILFORD
DE
19963
0004783533
0080021314
GAMBRILLS
MD
21054
0004783568
0080021316
FREDERICK
MD
21701
0004783577
0080021317
GERMANTOWN
MD
20874
0004784912
0080021320
CHICAGO
IL
60645
0004784946
0080021321
LAS VEGAS
NV
89109
0004784985
0080021322
SALEM
OR
97304
0004785033
0080021323
GAINESVILLE
VA
20155
0004785073
0080021324
OCEAN
NJ
07712
0004785159
0080021325
SARASOTA
FL
34242
0004785189
0080021326
MENDON
MA
01756
0004785343
0080021329
CHULA VISTA
CA
91915
0004785377
0080021330
FAIRFAX
VA
22031
0004785578
0080021331
ENGLEWOOD
NJ
07631
0004786223
0080021334
SAINT LOUIS
MO
63125
0004786530
0080021335
AKRON
OH
44301
0004786719
0080021336
QUEENS VILLAGE
NY
11428
0004786785
0080021337
PHOENIX
AZ
85050
0004786801
0080021338
MADISON
WI
53705
0004786921
0080021339
MONROE
WA
98272
0004787026
0080021340
RICHMOND
VA
23225
0004787076
0080021341
HYATTSVILLE
MD
20785
0004787088
0080021342
NORWOOD
MA
02062
0004787132
0080021343
COLLEGE GROVE
TN
37046
0004787382
0080021344
VANCOUVER
WA
98662
0004787523
0080021345
SAHUARITA
AZ
85629
0004787583
0080021346
SACRAMENTO
CA
95820
0004787601
0080021347
ALEXANDRIA
VA
22305
0004787774
0080021348
BALTIMORE
MD
21224
0004787823
0080021350
TAMPA
FL
33611
0004788783
0080021351
GLENDALE
AZ
85303
0004788989
0080021353
CHANDLER
AZ
85226
0004788999
0080021354
LEXINGTON PARK
MD
20653
0004789044
0080021355
HAVRE DE GRACE
MD
21078
0004789268
0080021357
NORRISTOWN
PA
19403
0004789345
0080021360
COLUMBIA
MO
65202
0004789346
0080021361
WINSTON-SALEM
NC
27107
0004789360
0080021362
SUMMERVILLE
SC
29483
0004789440
0080021363
AVONDALE
AZ
85323
0004789481
0080021364
LAVEEN
AZ
85339
0004789571
0080021366
TACOMA
WA
98405
0004789735
0080021368
LOS ANGELES
CA
90042
0004790217
0080021370
CHICO
CA
95973
0004790273
0080021371
STAUNTON
VA
24401
0004790344
0080021373
CINCINNATI
OH
45248
0004790403
0080021374
JACKSONVILLE
FL
32224
0004790413
0080021376
PAWTUCKET
RI
02861
0004790454
0080021378
VIRGINIA BEACH
VA
23464
0004790542
0080021379
SCOTTSDALE
AZ
85254
0004790558
0080021380
CHICAGO
IL
60625
0004790564
0080021381
WASHINGTON
DC
20019
0004790623
0080021382
MORRISTOWN
NJ
07960
0004790723
0080021383
WILDOMAR
CA
92595
0004790782
0080021384
TUCSON
AZ
85735
0004790867
0080021385
WINNEMUCCA
NV
89445
0004791060
0080021387
DEKALB
IL
60115
0004791713
0080021388
VIRGINIA BEACH
VA
23454
0004791730
0080021389
PORTSMOUTH
VA
23702
0004791808
0080021391
ALEXANDRIA
VA
22315
0004791896
0080021392
CHRISTIANSBURG
VA
24073
0004792020
0080021395
KANSAS CITY
MO
64114
0004792223
0080021396
CHESAPEAKE
VA
23320
0004792295
0080021397
VIRGINIA BEACH
VA
23454
0004792433
0080021399
KENT
WA
98030
0004792463
0080021400
NORFOLK
VA
23503
0004792558
0080021402
TAMPA
FL
33625
0004792589
0080021403
SANDY
UT
84070
0004792984
0080021405
EVERETT
WA
98204
0004793110
0080021406
CORNELIUS
OR
97113
0004793524
0080021408
CHICAGO
IL
60619
0004793614
0080021409
APOLLO BEACH
FL
33572
0004793777
0080021410
DES MOINES
WA
98198
0004793858
0080021411
PHOENIX
AZ
85008
0004793931
0080021412
CARLSBAD
CA
92009
0004794027
0080021413
RENO
NV
89511
0004794055
0080021414
SPARKS
NV
89436
0004794080
0080021416
STOCKTON
CA
95209
0004794082
0080021417
NEVADA CITY
CA
95959
0004794105
0080021418
AUBURN
CA
95602
0004794133
0080021419
OLYMPIA
WA
98506
0004794222
0080021420
ARLINGTON
VA
22206
0004794573
0080021423
LEXINGTON PARK
MD
20653
0004794620
0080021424
COLUMBIA
MO
65202
0004795317
0080021426
YOUNGTOWN
AZ
85363
0004795422
0080021427
LAS VEGAS
NV
89145
0004795524
0080021428
OCEAN CITY
MD
21842
0004795796
0080021429
SAN MARCOS
TX
78666
0004795832
0080021430
GERMANTOWN
MD
20874
0004795850
0080021431
TUCSON
AZ
85737
0004796038
0080021434
JACKSONVILLE
FL
32224
0004796064
0080021435
ARLINGTON
VA
22202
0004796149
0080021436
JOLIET
IL
60433
0004796380
0080021437
DEER PARK
NY
11729
0004796502
0080021438
BULLHEAD CITY
AZ
86429
0004796556
0080021439
VIENNA
VA
22181
0004796569
0080021440
OLYMPIA
WA
98502
0004796983
0080021441
LAS VEGAS
NV
89109
0004797190
0080021442
SAN JOSE
CA
95111
0004797205
0080021443
PHOENIX
AZ
85040
0004797627
0080021445
NAMPA
ID
83687
0004797866
0080021449
COLUMBIA
MO
65202
0004797907
0080021450
PUNTA GORDA
FL
33982
0004798103
0080021451
WEST SACRAMENTO
CA
95691
0004800024
0080021456
MONROE
WA
98272
0004800113
0080021457
TUCSON
AZ
85748
0004800402
0080021459
PENNDEL
PA
19047
0004800433
0080021460
ROCKLIN
CA
95765
0004800468
0080021461
HILMAR
CA
95324
0004800506
0080021463
OLYMPIA
WA
98501
0004801013
0080021469
PARRISH
FL
34219
0004801425
0080021470
ROCKFORD
IL
61107
0004801795
0080021471
REDMOND
OR
97756
0004802442
0080021473
AUSTIN
TX
78748
0004802460
0080021474
BEALETON
VA
22712
0004802483
0080021475
WALDORF
MD
20602
0004802611
0080021476
ELKRIDGE
MD
21075
0004802641
0080021477
SEATTLE
WA
98102
0004802668
0080021479
BULLHEAD CITY
AZ
86429
0004802833
0080021480
LAUREL
MD
20707
0004802930
0080021482
ANNANDALE
VA
22003
0004803102
0080021483
SILVER SPRING
MD
20906
0004803139
0080021484
KISSIMMEE
FL
34759
0004803149
0080021485
KANSAS CITY
KS
66104
0004803168
0080021486
LAS VEGAS
NV
89113
0004803206
0080021488
VIRGINIA BEACH
VA
23464
0004803216
0080021489
CHULA VISTA
CA
91915
0004804425
0080021491
HIGHLAND
CA
92346
0004804687
0080021493
PROVIDENCE
RI
02909
0004804701
0080021494
GAITHERSBURG
MD
20878
0004804742
0080021495
FEDERAL WAY
WA
98023
0004804835
0080021496
PARK CITY
UT
84098
0004804868
0080021497
ALHAMBRA
CA
91801
0004804884
0080021498
REDDING
CA
96003
0004805076
0080021501
ALEXANDRIA
VA
22309
0004805090
0080021502
HYATTSVILLE
MD
20784
0004805750
0080021504
PORTLAND
OR
97233
0004805759
0080021505
MEDFORD
OR
97504
0004805790
0080021506
BEND
OR
97701
0004805987
0080021508
TUMWATER
WA
98501
0004806137
0080021509
OLNEY
MD
20832
0004806201
0080021510
ROHNERT PARK
CA
94928
0004806293
0080021511
SEATTLE
WA
98178
0004806827
0080021513
VIRGINIA BEACH
VA
23464
0004806879
0080021514
NORFOLK
VA
23507
0004806981
0080021515
KYLE
TX
78640
0004807279
0080021516
PUYALLUP
WA
98375
0004807726
0080021517
MAPLE VALLEY
WA
98038
0004807924
0080021518
MAPLE VALLEY
WA
98038
0004808531
0080021519
STOCKTON
CA
95210
0004808551
0080021521
ROSEVILLE
CA
95678
0004808570
0080021522
MURRIETA
CA
92563
0004808628
0080021524
VIRGINIA BEACH
VA
23455
0004808935
0080021525
SPRING HILL
TN
37174
0004808945
0080021526
WEST SACRAMENTO
CA
95691
0004808956
0080021527
CHESAPEAKE
VA
23321
0004809412
0080021532
CHICO
CA
95928
0004809542
0080021533
PORTLAND
OR
97239
0004809596
0080021534
PARADISE
CA
95969
0004810470
0080021535
NOVATO
CA
94947
0004810791
0080021537
TEMECULA
CA
92592
0004810824
0080021538
CAPITOL HEIGHTS
MD
20743
0004811016
0080021539
OLNEY
MD
20832
0004811054
0080021540
MC KINNEY
TX
75070
0004811374
0080021542
REISTERSTOWN
MD
21136
0004811793
0080021543
TUCSON
AZ
85705
0004811825
0080021544
STOCKBRIDGE
GA
30281
0004812044
0080021545
CHICAGO
IL
60614
0004812345
0080021547
RED BLUFF
CA
96080
0004812385
0080021548
MONTICELLO
IL
61856
0004812417
0080021549
PRIOR LAKE
MN
55372
0004812426
0080021550
RED BLUFF
CA
96080
0004813761
0080021552
POWELL
OH
43065
0004813788
0080021553
BALTIMORE
MD
21217
0004813817
0080021554
GERMANTOWN
MD
20874
0004814774
0080021557
DUNDEE
OR
97115
0004815106
0080021558
BEAUMONT
CA
92223
0004815299
0080021559
EPHRATA
WA
98823
0004815374
0080021561
WINTER GARDEN
FL
34787
0004815416
0080021562
JACKSONVILLE
FL
32223
0004815671
0080021563
PHOENIX
AZ
85050
0004815689
0080021564
GOLD CANYON
AZ
85218
0004817734
0080021569
NEW ALBANY
OH
43054
0004818704
0080021571
YAKIMA
WA
98902
0004820839
0080021573
SHOW LOW
AZ
85901
0004821202
0080021574
BEND
OR
97702
0004821849
0080021575
HANOVER
PA
17070
0004822057
0080021576
GRAND BLANC
MI
48439
0004822080
0080021577
COLLEGE PARK
MD
20740
0004823601
0080021578
WASHINGTON
DC
20002
0004823942
0080021579
NORFOLK
VA
23513
0004824009
0080021580
NORFOLK
VA
23513
0004824236
0080021581
TACOMA
WA
98445
0004824349
0080021582
OLYMPIA
WA
98516
0004825832
0080021585
SCOTTSDALE
AZ
85254
0004827082
0080021586
DENVER
CO
80236
0004827804
0080021587
GAINESVILLE
FL
32608
0004829602
0080021588
JESSUP
MD
20794
0004831073
0080021589
GERMANTOWN
MD
20876
0004834178
0080021590
COLUMBIA
MD
21044
0003197372
0080021591
ELK GROVE
CA
95757
0003788224
0080021594
LAKE HAVASU CITY
AZ
86404
0003816037
0080021595
LEHIGH ACRES
FL
33971
0003870362
0080021596
PUNTA GORDA
FL
33955
0003912313
0080021599
LEHIGH ACRES
FL
33971
0003965449
0080021600
LEHIGH ACRES
FL
33971
0004000870
0080021602
GULF BREEZE
FL
32563
0004002879
0080021603
LEHIGH ACRES
FL
33971
0004096757
0080021606
ROCKLEDGE
FL
32955
0004115499
0080021609
MINERAL
VA
23117
0004215754
0080021613
BRANDYWINE
MD
20613
0004251317
0080021617
LAUREL
MD
20708
0004251720
0080021619
GIG HARBOR
WA
98332
0004251845
0080021620
HAMILTON
VA
20158
0004251863
0080021621
LAVEEN
AZ
85339
0004252032
0080021622
VIRGINIA BEACH
VA
23456
0004252164
0080021623
ARLINGTON
VA
22207
0004258483
0080021625
IDAHO FALLS
ID
83401
0004261192
0080021626
ARLINGTON
TX
76001
0004304612
0080021629
PORTLAND
OR
97266
0004374608
0080021633
VANCOUVER
WA
98664
0004375522
0080021634
NAMPA
ID
83687
0004467139
0080021637
TUBAC
AZ
85646
0004473100
0080021638
TUBAC
AZ
85646
0004480623
0080021639
SANGER
CA
93657
0004484166
0080021640
UPPER MARLBORO
MD
20772
0004528908
0080021644
JACKSONVILLE
FL
32256
0004535349
0080021645
EDISON
NJ
08820
0004545916
0080021647
HARRISBURG
PA
17111
0004548274
0080021648
EVERGREEN PARK
IL
60805
0004557056
0080021651
NAMPA
ID
83686
0004562722
0080021652
FOLSOM
CA
95630
0004563047
0080021653
LOS LUNAS
NM
87031
0004566911
0080021655
OCEAN CITY
MD
21842
0004568890
0080021656
WHITE PLAINS
MD
20695
0004574953
0080021657
MEDFORD
OR
97501
0004578723
0080021658
LORTON
VA
22079
0004584058
0080021659
HOQUIAM
WA
98550
0004586166
0080021660
TUMWATER
WA
98501
0004590192
0080021661
NORFOLK
VA
23503
0004597115
0080021663
ELK GROVE
CA
95757
0004615173
0080021664
VIRGINIA BEACH
VA
23451
0004635231
0080021665
GREENFIELD
MA
01301
0004639393
0080021666
NEW BEDFORD
MA
02745
0004650168
0080021667
SAN BERNARDINO
CA
92411
0004661248
0080021668
SUFFOLK
VA
23435
0004664348
0080021669
KIHEI
HI
96753
0004673847
0080021670
TACOMA
WA
98422
0004674528
0080021671
FORT MILL
SC
29708
0004676710
0080021672
FOUNTAIN HILLS
AZ
85268
0004676860
0080021673
MOUNT PROSPECT
IL
60056
0004684051
0080021674
PALMETTO BAY
FL
33157
0004685003
0080021675
CLAYTON
DE
19938
0004689173
0080021676
FAYETTEVILLE
NC
28303
0004695540
0080021679
DORAL
FL
33178
0004696034
0080021680
BOISE
ID
83714
0004704699
0080021682
SEVERN
MD
21144
0004708058
0080021684
BEND
OR
97701
0004708753
0080021685
CHARLOTTE
NC
28205
0004708967
0080021686
AKRON
OH
44333
0004710046
0080021687
NORTH EDWARDS
CA
93523
0004710816
0080021689
NORTH EDWARDS
CA
93523
0004711394
0080021691
WEST LONG BRANCH
NJ
07764
0004713532
0080021693
SILVERTON
OR
97381
0004717675
0080021696
SAN BERNARDINO
CA
92404
0004718661
0080021697
STOCKTON
CA
95205
0004721026
0080021698
MCHENRY
IL
60050
0004721771
0080021699
ANNAPOLIS
MD
21401
0004722711
0080021700
MILFORD
VA
22514
0004722876
0080021701
MCLEAN
VA
22101
0004722915
0080021702
BROOKLYN
NY
11207
0004724102
0080021704
JONESBORO
GA
30236
0004725249
0080021705
PUYALLUP
WA
98374
0004725378
0080021706
ALEXANDRIA
VA
22310
0004725635
0080021708
RESTON
VA
20191
0004725711
0080021711
CHICAGO
IL
60610
0004728576
0080021712
FOLEY
MN
56329
0004729164
0080021713
LAKEWOOD
WA
98498
0004730905
0080021717
ORLANDO
FL
32819
0004732328
0080021720
TAMPA
FL
33604
0004734318
0080021723
FREMONT
CA
94539
0004734425
0080021724
SEATTLE
WA
98103
0004735364
0080021725
VENICE
FL
34285
0004735385
0080021726
ROUND ROCK
TX
78681
0004737799
0080021728
MILLSBORO
DE
19804
0004738200
0080021731
WEDDINGTON
NC
28104
0004739311
0080021732
DAYTONA BEACH
FL
32119
0004739652
0080021733
NEW PROVIDENCE
PA
17560
0004739806
0080021734
ALEXANDRIA
VA
22310
0004739852
0080021735
TAHUYA
WA
98588
0004740015
0080021736
SAN MARCOS
CA
92078
0004741471
0080021739
BOTHELL
WA
98021
0004741594
0080021740
YORKTOWN
VA
23693
0004741775
0080021741
SALIDA
CO
81201
0004742336
0080021742
MALIBU
CA
90265
0004742720
0080021743
PALM SPRINGS
CA
92264
0004743079
0080021744
CORONA
CA
92880
0004743435
0080021745
GLENDALE
AZ
85310
0004743483
0080021746
CLARKSVILLE
MD
21029
0004743867
0080021747
WASHINGTON
DC
20002
0004743874
0080021748
NEWPORT NEWS
VA
23608
0004744003
0080021749
YORBA LINDA
CA
92886
0004744284
0080021751
CASA GRANDE
AZ
85222
0004745793
0080021752
CHULA VISTA
CA
91914
0004746072
0080021753
TUCSON
AZ
85710
0004746087
0080021754
ELK GROVE
CA
95757
0004746420
0080021755
SKOKIE
IL
60076
0004747639
0080021756
NEW SMYRNA BEACH
FL
32168
0004748590
0080021758
MIAMI LAKES
FL
33018
0004748948
0080021759
MESA
AZ
85206
0004750084
0080021762
MICANOPY
FL
32667
0004750103
0080021763
SCOTTSDALE
AZ
85251
0004750167
0080021764
SAINT GEORGE
UT
84790
0004750421
0080021765
LAVEEN
AZ
85339
0004750808
0080021766
MESA
AZ
85206
0004751700
0080021767
SANTA CLARITA
CA
91321
0004751872
0080021768
AVALON
CA
90704
0004752541
0080021771
OCEAN
NJ
07712
0004752876
0080021774
LEESBURG
VA
20176
0004753103
0080021775
SCOTTSDALE
AZ
85262
0004754516
0080021778
SUNRISE
FL
33322
0004754741
0080021779
KAPOLEI
HI
96707
0004755107
0080021780
ESCONDIDO
CA
92029
0004755140
0080021781
SNELLVILLE
GA
30078
0004755594
0080021784
RIVERSIDE
CA
92508
0004755826
0080021786
GOODYEAR
AZ
85338
0004755904
0080021787
BRENTWOOD
CA
94513
0004755933
0080021788
HERNDON
VA
20170
0004756641
0080021791
BOCA RATON
FL
33433
0004758552
0080021797
RENO
NV
89523
0004760138
0080021801
POWAY
CA
92064
0004760175
0080021802
AVONDALE
AZ
85323
0004760300
0080021803
SCOTTSDALE
AZ
85255
0004760538
0080021805
STOCKTON
CA
95204
0004761703
0080021807
CHICAGO
IL
60652
0004762413
0080021808
GAINESVILLE
VA
20155
0004762514
0080021809
STOCKTON
CA
95207
0004763644
0080021812
CENTREVILLE
VA
20120
0004763648
0080021813
DOUGLASTON
NY
11362
0004763873
0080021814
GREAT MILLS
MD
20634
0004764575
0080021815
POOLESVILLE
MD
20837
0004764929
0080021818
WOODSTOCK
VA
22664
0004765049
0080021819
MILLSBORO
DE
19966
0004765356
0080021820
LAGUNA BEACH
CA
92677
0004765561
0080021821
VANCOUVER
WA
98684
0004765569
0080021822
VANCOUVER
WA
98682
0004765571
0080021823
VANCOUVER
WA
98682
0004765890
0080021827
OAKLAND
CA
94619
0004766147
0080021828
KEY LARGO
FL
33070
0004766302
0080021829
LONG GROVE
IL
60047
0004766369
0080021830
PORTLAND
OR
97233
0004767308
0080021831
CHULA VISTA
CA
91914
0004767677
0080021833
CHESAPEAKE
VA
23320
0004768641
0080021836
COLTON
CA
92324
0004768675
0080021837
BELLEVUE
WA
98007
0004769074
0080021839
LAS VEGAS
NV
89129
0004769135
0080021840
PHOENIX
AZ
85048
0004769359
0080021841
ANTIOCH
CA
94531
0004769371
0080021842
BRADENTON
FL
34202
0004769656
0080021843
PHOENIX
AZ
85015
0004770239
0080021844
DURANGO
CO
81301
0004770346
0080021845
PEARL CITY
HI
96782
0004770465
0080021846
HIALEAH
FL
33012
0004770650
0080021847
DURANGO
CO
81301
0004770659
0080021848
DURANGO
CO
81301
0004770719
0080021849
BRINKLOW
MD
20862
0004770853
0080021850
JACKSONVILLE
FL
32224
0004771046
0080021852
LATON
CA
93242
0004771240
0080021853
ESCONDIDO
CA
92027
0004771628
0080021855
DURANGO
CO
81303
0004772133
0080021856
ORANGE
CA
92869
0004772694
0080021858
CRESTED BUTTE
CO
81224
0004772808
0080021860
TACOMA
WA
98404
0004772846
0080021861
ALEXANDRIA
VA
22315
0004773177
0080021863
CRANSTON
RI
02920
0004773182
0080021864
CLARKSBURG
MD
20871
0004773455
0080021867
SAN DIEGO
CA
92124
0004773654
0080021868
RENO
NV
89509
0004773703
0080021870
FREMONT
CA
94536
0004774319
0080021872
SOLEDAD
CA
93960
0004774928
0080021873
VIENNA
VA
22180
0004775080
0080021875
CHESTER
MD
21619
0004775163
0080021876
RIDGEWOOD
NJ
07450
0004775342
0080021877
CHICAGO
IL
60614
0004775885
0080021879
MECHANICSVILLE
VA
23116
0004776308
0080021881
SANTA BARBARA
CA
93105
0004777036
0080021882
DUCK
NC
27949
0004777047
0080021883
ARLINGTON
VA
22206
0004777061
0080021884
HERTFORD
NC
27944
0004777393
0080021885
SCOTTSDALE
AZ
85254
0004778421
0080021889
KENMORE
WA
98028
0004778670
0080021891
TOWN AND COUNTRY
MO
63131
0004778819
0080021892
LAUREL
MD
20707
0004778943
0080021894
STOCKTON
CA
95206
0004779207
0080021896
HYATTSVILLE
MD
20782
0004779243
0080021897
CHARLOTTESVILLE
VA
22911
0004779553
0080021902
SAN FRANCISCO
CA
94112
0004779851
0080021904
VICTORVILLE
CA
92394
0004780521
0080021907
MOUNT SINAI
NY
11766
0004780543
0080021908
KENNEWICK
WA
99337
0004780689
0080021909
WILMETTE
IL
60091
0004780760
0080021910
EDMOND
OK
73034
0004780825
0080021911
SMITHFIELD
RI
02828
0004780912
0080021912
MORGANVILLE
NJ
07751
0004780976
0080021913
RANCHO CUCAMONGA
CA
91739
0004780981
0080021914
GLENDALE
AZ
85306
0004781027
0080021915
LAS VEGAS
NV
89131
0004781143
0080021918
COLUMBUS
OH
43202
0004781296
0080021919
BALTIMORE
MD
21215
0004781359
0080021920
OSPREY
FL
34229
0004783092
0080021922
NAPLES
FL
34114
0004783188
0080021923
MAGGIE VALLEY
NC
28751
0004783368
0080021925
ARLINGTON
VA
22209
0004784065
0080021926
LONG BEACH TOWNSHIP
NJ
08008
0004784208
0080021927
SAN LUIS OBISPO
CA
93405
0004784400
0080021928
RENO
NV
89509
0004785017
0080021929
YARMOUTHPORT
MA
02675
0004785104
0080021930
BETHESDA
MD
20815
0004785317
0080021931
WASHOUGAL
WA
98671
0004785362
0080021933
ELLICOTT CITY
MD
21043
0004785621
0080021934
COCOA
FL
32926
0004785680
0080021935
BONITA SPRINGS
FL
34135
0004786432
0080021936
TEMECULA
CA
92592
0004787230
0080021939
LANDING
NJ
07850
0004787305
0080021940
WOODBRIDGE
VA
22192
0004787478
0080021943
WASHINGTON
DC
20005
0004787649
0080021944
PORTSMOUTH
VA
23704
0004787699
0080021945
RENO
NV
89523
0004789172
0080021948
SCOTTSDALE
AZ
85254
0004789173
0080021949
NORTHBROOK
IL
60062
0004789188
0080021950
BOISE
ID
83709
0004789314
0080021951
BONITA
CA
91902
0004789416
0080021952
LAS VEGAS
NV
89117
0004790110
0080021953
SAN JOSE
CA
95127
0004790584
0080021954
JACKSONVILLE BEACH
FL
32250
0004790666
0080021955
BOULDER
CO
80301
0004791842
0080021956
BALTIMORE
MD
21227
0004791869
0080021957
LIMON
CO
80828
0004791978
0080021958
CANYON LAKE
CA
92587
0004792025
0080021959
LAKE HAVASU CITY
AZ
86403
0004792099
0080021960
OAKLAND
CA
94608
0004792382
0080021963
GERMANTOWN
MD
20874
0004792498
0080021965
TENAFLY
NJ
07670
0004792590
0080021966
SPRING VALLEY
NY
10977
0004792911
0080021969
AUSTIN
TX
78732
0004793026
0080021970
SAN JOSE
CA
95148
0004793380
0080021971
KAHULUI
HI
96732
0004793718
0080021972
CLOVIS
CA
93612
0004793719
0080021973
GLENDALE HEIGHTS
IL
60139
0004794038
0080021975
CALIFORNIA CITY
CA
93505
0004794128
0080021977
RANCHO CUCAMONGA
CA
91737
0004794169
0080021978
BALTIMORE
MD
21213
0004794266
0080021979
KISSIMMEE
FL
34746
0004794397
0080021982
WOODBRIDGE
VA
22192
0004794759
0080021983
NACHES
WA
98937
0004794958
0080021985
AUSTIN
TX
78746
0004795386
0080021987
SANTA CLARA
CA
95051
0004795764
0080021988
VALLEJO
CA
94589
0004795943
0080021991
ANDERSON
CA
96007
0004796388
0080021992
MONTGOMERY
IL
60538
0004796505
0080021993
CAPE MAY
NJ
08204
0004796547
0080021994
PHOENIX
AZ
85018
0004797030
0080021995
GLENDALE
AZ
85305
0004797424
0080021997
ATLANTA
GA
30319
0004797534
0080021998
RICHTON PARK
IL
60471
0004797739
0080021999
RANCHO CUCAMONGA
CA
91739
0004798048
0080022000
STOCKTON
CA
95203
0004798078
0080022001
MIAMI BEACH
FL
33139
0004798152
0080022002
CALEXICO
CA
92231
0004798341
0080022003
CENTREVILLE
VA
20121
0004798391
0080022005
SCOTTSDALE
AZ
85254
0004798396
0080022006
JARVISBURG
NC
27947
0004798689
0080022010
SEATTLE
WA
98102
0004798794
0080022012
FAIRFAX
VA
22031
0004798863
0080022013
ARCHIE
MO
64725
0004799803
0080022016
HYDE PARK
MA
02136
0004800231
0080022017
HARRISON TOWNSHIP
MI
48045
0004800300
0080022018
SAN RAMON
CA
94582
0004800354
0080022019
NORWOOD
CO
81423
0004800365
0080022020
LAVEEN
AZ
85339
0004800449
0080022023
VIRGINIA CITY
NV
89440
0004800472
0080022024
SAN DIEGO
CA
92107
0004800538
0080022025
WASHINGTON
DC
20003
0004800850
0080022026
LAUREL
MD
20707
0004800902
0080022027
SEATTLE
WA
98136
0004800951
0080022028
WASHINGTON
DC
20003
0004802274
0080022030
KIHEI
HI
96753
0004802315
0080022031
WAILUKU
HI
96793
0004802383
0080022032
WASHINGTON
DC
20016
0004802495
0080022033
CHULA VISTA
CA
91915
0004802503
0080022034
CASA GRANDE
AZ
85222
0004802534