Appendix III-05 Fo Certification and Agreement

Certification

and Agreement

U.S. Department of Housing

and Urban Development

Government National Mortgage Association

OMB Approval No. 2503-0033 (Exp. 00/00/0000)

Public reporting for this information collection is estimated to average 6 minutes per response, including the time for reviewing instructions, searching existing data sources, gathering and maintaining the data needed and completing and reviewing the collection of information. This agency may not collect this information, and you are not required to complete this form, unless it displays a current, valid OMB control number.

Ginnie Mae is authorized to collect this information pursuant to Section 306(g) of the National Housing Act and/or by Ginnie Mae’s Handbook 5500.3, Rev. 1. The purpose of this collection is to provide for certification by the issuer that the releases (forms HUD 11711A) submitted to the document custodian encompass all mortgages in a pool or loan package. The information collected will not be disclosed outside the Department except as required by law.

With respect to mortgages (loans) represented by Ginnie Mae Pool number:

In the case of Home Equity Conversion Mortgage loans (HECMs), “pooled mortgages” and “mortgages” shall include the mortgages, Participations related to such loans and any amounts related to such mortgages that do not constitute participation interests.

The issuer named below certifies:

(Check the appropriate box)

Any and all security agreements affecting the mortgages in the referenced pool or loan package are limited by a duly executed Release of Security Interest (form HUD-11711A), which has been delivered by the issuer to the designated document custodian and which provides that any interest of a secured party in and to the pooled mortgages shall lapse upon or prior to the delivery of securities backed by the referenced pool or loan package. Upon the delivery of securities, only Ginnie Mae will have any ownership interest in and to the pooled mortgages.

No mortgage in the referenced pool or loan package is now subject to any security agreement between the issuer and any creditor, and upon the release (delivery) of securities backed by the pool or loan package, only Ginnie Mae will have any ownership interest in and to the pooled mortgages.

The issuer agrees that after the delivery of securities backed by the referenced pool or loan package, it will not encumber any pooled mortgage by pledge or otherwise.

Issuer Authorized Signature

Issuer ID Number Date Title

form HUD-11711B (10/2007)

Previous editions are obsolete ref. Ginnie Mae Handbook 5500.3, Rev. 1