| DEAL NAME | Morgan Stanley ABS Capital I Inc. Trust 2005-HE4 |
| Closing Date | 8/26/2005 |
| Collateral Factor Date | 1/1/2012 |
| |
| Performance Summary | |
| Current Pool Factor | 15.42% |
| |
| Delinquency Status (*) | |
| 30+ Days | 20.05% |
| 60+ Days | 16.10% |
| 90+ Days | 15.08% |
| 120+ Days | 14.53% |
| |
| Bankruptcy | 8.56% |
| Foreclosure | 17.66% |
| REO | 6.35% |
| |
| Cumulative Net Loss | 12.27% |
| Loss Severity | 80.73% |
| |
| Prepayment Experience | |
| 1mo CPR | 20.38% |
| 3mo CPR | 14.95% |
| 6mo CPR | 13.78% |
| 9mo CPR | 13.49% |
| 12mo CPR | 12.57% |
| Life CPR | 24.51% |
|