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<br />LIMITED POWER OF ATTORNEY
<br />A
<br />20040524i �
<br />Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Minnesota, National Association, (the "Principal ")(formerly
<br />known as Norwest Bank Minnesota, N.A.), in its capacity as trustee under that certain Servicing Agreement relating to PFCA
<br />HOME EQUITY INVESTMENT TRUST 2001 -PB1 dated as of August 30, 2001 (the "Agreement") by and among UBS
<br />WARBURG REAL ESTATE SECURITIES INC ( "Seller ") and Provident Bank ( "Servicer ") and Wells Fargo Bank, N.A.
<br />(Trustee).
<br />Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Minnesota, National Association, (the "Principal ")(formerly
<br />known as Norwest Bank Minnesota, N.A.), in its capacity as trustee under that certain Servicing Agreement relating to PFCA
<br />HOME EQUITY INVESTMENT TRUST 2001 -PB2 dated as of December 27, 2001 (the "Agreement ") by and among UBS
<br />WARBURG REAL ESTATE SECURITIES INC ( "Seller ") and Provident Bank ( "Servicer ") and Wells Fargo Bank, N.A.
<br />(Trustee).
<br />hereby constitutes and appoints:
<br />Provident Bank
<br />its true and lawful attorney -in -fact (the "Attorney -in- Fact "), acting by and through its officers and employees, with full authority
<br />and power to execute and deliver on behalf of Principal any and all of the following instruments to the extent consistent with the
<br />terms and conditions of the Agreement:
<br />(i) All documents with respect to residential mortgage loans serviced for Principal by said attorney -in -fact which are
<br />customarily and reasonably necessary and appropriate to the satisfaction, cancellation, or partial or full release of
<br />mortgages, deeds of trust or deeds to secure debt upon payment and discharge of all sums secured thereby; (ii)
<br />Instruments appointing one or more substitute trustees to act in place of the trustees named in Deeds of Trust;
<br />(iii) Affidavits of debt, notice of default, declaration of default, notices of foreclosure, and all such contracts,
<br />agreements, deeds, and instruments as are appropriate to effect any sale, transfer or disposition of real property
<br />acquired through foreclosure or otherwise. (iv) All other comparable instruments.
<br />This Limited Power of Attorney is effective as of the date below and shall remain in full force and effect until revoked in writing
<br />by the undersigned or termination of the Agreement, whichever is earlier.
<br />Dated: January 20, 2004
<br />Attest:
<br />By: Reid Denny
<br />Its: Assistant Secretary
<br />Unofficial Witnesses:
<br />ew oy
<br />STATE OF MARYLAND
<br />COUNTY OF BALTIMORE
<br />ss:
<br />Wells Fargo Bank, N.A.,
<br />as Trustee under the Agreement
<br />By: Diane Courtney f
<br />Its: Vice President
<br />Mary Asgodom
<br />On the 201h day of January, 2004 before me, a Notary Public in and for said State, personally appeared Diane
<br />Courtney, known to me to be Vice President of Wells Fargo Bank, N.A., and also known to me to be the person who executed
<br />this Power of Attorney on behalf of said bank, and acknowledged to me that such bank executed this Power of Attorney.
<br />IN WITNESS WHEREOF, I have hereunto set my hand and affixed my office seal the day and year written above.
<br />NOTARY
<br />Commission Expires 1.10.0 a3 �•�
<br />r PUBLIC
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<br />LIMITED POWER OF ATTORNEY
<br />A
<br />20040524i �
<br />Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Minnesota, National Association, (the "Principal ")(formerly
<br />known as Norwest Bank Minnesota, N.A.), in its capacity as trustee under that certain Servicing Agreement relating to PFCA
<br />HOME EQUITY INVESTMENT TRUST 2001 -PB1 dated as of August 30, 2001 (the "Agreement") by and among UBS
<br />WARBURG REAL ESTATE SECURITIES INC ( "Seller ") and Provident Bank ( "Servicer ") and Wells Fargo Bank, N.A.
<br />(Trustee).
<br />Wells Fargo Bank, N.A. successor by merger to Wells Fargo Bank Minnesota, National Association, (the "Principal ")(formerly
<br />known as Norwest Bank Minnesota, N.A.), in its capacity as trustee under that certain Servicing Agreement relating to PFCA
<br />HOME EQUITY INVESTMENT TRUST 2001 -PB2 dated as of December 27, 2001 (the "Agreement ") by and among UBS
<br />WARBURG REAL ESTATE SECURITIES INC ( "Seller ") and Provident Bank ( "Servicer ") and Wells Fargo Bank, N.A.
<br />(Trustee).
<br />hereby constitutes and appoints:
<br />Provident Bank
<br />its true and lawful attorney -in -fact (the "Attorney -in- Fact "), acting by and through its officers and employees, with full authority
<br />and power to execute and deliver on behalf of Principal any and all of the following instruments to the extent consistent with the
<br />terms and conditions of the Agreement:
<br />(i) All documents with respect to residential mortgage loans serviced for Principal by said attorney -in -fact which are
<br />customarily and reasonably necessary and appropriate to the satisfaction, cancellation, or partial or full release of
<br />mortgages, deeds of trust or deeds to secure debt upon payment and discharge of all sums secured thereby; (ii)
<br />Instruments appointing one or more substitute trustees to act in place of the trustees named in Deeds of Trust;
<br />(iii) Affidavits of debt, notice of default, declaration of default, notices of foreclosure, and all such contracts,
<br />agreements, deeds, and instruments as are appropriate to effect any sale, transfer or disposition of real property
<br />acquired through foreclosure or otherwise. (iv) All other comparable instruments.
<br />This Limited Power of Attorney is effective as of the date below and shall remain in full force and effect until revoked in writing
<br />by the undersigned or termination of the Agreement, whichever is earlier.
<br />Dated: January 20, 2004
<br />Attest:
<br />By: Reid Denny
<br />Its: Assistant Secretary
<br />Unofficial Witnesses:
<br />ew oy
<br />STATE OF MARYLAND
<br />COUNTY OF BALTIMORE
<br />ss:
<br />Wells Fargo Bank, N.A.,
<br />as Trustee under the Agreement
<br />By: Diane Courtney f
<br />Its: Vice President
<br />Mary Asgodom
<br />On the 201h day of January, 2004 before me, a Notary Public in and for said State, personally appeared Diane
<br />Courtney, known to me to be Vice President of Wells Fargo Bank, N.A., and also known to me to be the person who executed
<br />this Power of Attorney on behalf of said bank, and acknowledged to me that such bank executed this Power of Attorney.
<br />IN WITNESS WHEREOF, I have hereunto set my hand and affixed my office seal the day and year written above.
<br />NOTARY
<br />Commission Expires 1.10.0 a3 �•�
<br />r PUBLIC
<br />
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