Security Group 2 PSA Prepayment Assumption Rates Distribution Date Class HJ 0% 125% 250% 375% 500% Class IA 0% 125% 250% 375% 500% Class IB 0% 125% 250% 375% 500% Class IC 0% 125% 250% 375% 500% Initial Percent ..................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2008................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2009................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2010................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2011................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2012................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2013................                100 100 100 100 98 100 100 100 100 93 100 100 100 100 92 100 100 100 100 91 December 2014................                100 100 100 100 85 100 100 100 100 58 100 100 100 100 50 100 100 100 100 44 December 2015................                100 100 100 97 72 100 100 100 93 33 100 100 100 92 20 100 100 100 91 11 December 2016................                100 99 99 87 49 100 98 98 65 22 100 98 98 58 13 100 97 97 53 8 December 2017................                100 96 96 79 33 100 90 90 42 15 100 88 88 29 9 100 87 87 21 5 December 2018................                100 88 88 64 23 100 66 66 29 10 100 59 59 18 6 100 54 54 10 3 December 2019................                100 80 80 48 15 100 46 46 22 7 100 35 35 13 4 100 28 28 7 2 December 2020................                100 71 71 36 10 100 32 32 16 5 100 20 20 10 3 100 11 11 6 2 December 2021................                100 56 56 27 7 100 26 26 12 3 100 16 16 7 2 100 9 9 4 1 December 2022................                100 44 44 20 5 100 20 20 9 2 100 12 12 6 1 100 7 7 3 1 December 2023................                100 35 35 15 3 100 16 16 7 1 100 10 10 4 1 100 5 5 2 0 December 2024................                100 27 27 11 2 100 12 12 5 1 100 7 7 3 1 100 4 4 2 0 December 2025................                100 21 21 8 1 100 10 10 4 1 100 6 6 2 0 100 3 3 1 0 December 2026................                100 16 16 6 1 100 7 7 3 0 100 4 4 2 0 100 2 2 1 0 December 2027................ 99 12 12 4 1 98 6 6 2 0 98 3 3 1 0 98 2 2 1 0 December 2028................ 97 9 9 3 0 91 4 4 1 0 89 3 3 1 0 87 1 1 0 0 December 2029................ 83 7 7 2 0 54 3 3 1 0 45 2 2 1 0 38 1 1 0 0 December 2030................ 52 5 5 1 0 24 2 2 1 0 14 1 1 0 0 8 1 1 0 0 December 2031................ 4 4 4 1 0 2 2 2 0 0 1 1 1 0 0 1 1 1 0 0 December 2032................ 2 2 2 1 0 1 1 1 0 0 1 1 1 0 0 0 0 0 0 0 December 2033................ 2 2 2 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 December 2034................ 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 December 2035................ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 December 2036................ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 December 2037................ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Weighted Average Life (years)  ..................   23.0    15.3    15.3    12.6 9.6 22.2 13.0 13.0 10.6 8.1 22.0 12.2 12.2 10.0 7.6 21.8 11.7 11.7 9.5 7.2 PSA Prepayment Assumption Rates Distribution Date Class ID 0% 125% 250% 375% 500% Class IE 0% 125% 250% 375% 500% Class IG 0% 125% 250% 375% 500% Class IH 0% 125% 250% 375% 500% Initial Percent ..................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2008................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2009................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2010................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2011................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2012................                100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 December 2013................                100 100 100 100 96 100 100 100 100 95 100 100 100 100 95 100 100 100 100 94 December 2014................                100 100 100 100 72 100 100 100 100 70 100 100 100 100 67 100 100 100 100 61 December 2015................                100 100 100 95 53 100 100 100 95 50 100 100 100 95 46 100 100 100 93 37 December 2016................                100 99 99 76 36 100 99 99 75 34 100 99 99 72 31 100 98 98 67 25 December 2017................                100 93 93 61 25 100 93 93 58 23 100 92 92 54 21 100 91 91 45 17 December 2018................                100 77 77 47 17 100 75 75 44 16 100 73 73 41 15 100 68 68 33 12 December 2019................                100 64 64 35 11 100 61 61 33 11 100 58 58 31 10 100 50 50 24 8 December 2020................                100 53 53 26 8 100 49 49 25 7 100 46 46 23 7 100 36 36 18 5 December 2021................                100 42 42 20 5 100 39 39 19 5 100 36 36 17 5 100 29 29 14 4 December 2022................                100 33 33 15 4 100 31 31 14 3 100 29 29 13 3 100 23 23 10 2 December 2023................                100 26 26 11 2 100 24 24 10 2 100 22 22 10 2 100 18 18 8 2 December 2024................                100 20 20 8 2 100 19 19 8 1 100 17 17 7 1 100 14 14 6 1 December 2025................                100 16 16 6 1 100 15 15 6 1 100 14 14 5 1 100 11 11 4 1 December 2026................                100 12 12 4 1 100 11 11 4 1 100 10 10 4 1 100 8 8 3 0 December 2027................ 99 9 9 3 0 99 9 9 3 0 99 8 8 3 0 99 6 6 2 0 December 2028................ 94 7 7 2 0 93 6 6 2 0 93 6 6 2 0 91 5 5 2 0 December 2029................ 69 5 5 2 0 67 5 5 1 0 64 4 4 1 0 57 4 4 1 0 December 2030................ 38 4 4 1 0 36 4 4 1 0 33 3 3 1 0 27 3 3 1 0 December 2031................ 3 3 3 1 0 3 3 3 1 0 2 2 2 1 0 2 2 2 1 0 December 2032................ 2 2 2 0 0 2 2 2 0 0 2 2 2 0 0 1 1 1 0 0 December 2033................ 1 1 1 0 0 1 1 1 0 0 1 1 1 0 0 1 1 1 0 0 December 2034................ 1 1 1 0 0 1 1 1 0 0 1 1 1 0 0 0 0 0 0 0 December 2035................ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 December 2036................ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 December 2037................ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Weighted Average Life (years)  ..................   22.6    14.2    14.2    11.7 8.8 22.6 14.0 14.0 11.5 8.7 22.5 13.8 13.8 11.3 8.6 22.3 13.2 13.2 10.8 8.2 S-25