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LIMITED POWER OF ATTORNEY 200212869 Citifinancial Mortgage Company, Inc., organized and existing under the laws of the State of Texas, ( "Owner') hereby constitutes and appoints GMAC Mortgage Corporation, a Corporation organized and existing under the laws of the State of Pennsylvania ( "Servicer"), as its tore and lawful attorney -in -fact, in its mine, place and stead, and for its benefit, in connection with certain real estate owned by Owner necessary and incidental to managing and disposing of real properties and performing the obligations of Servicer thereunder, including but not limited to: Endorsing to the order of Servicer any checks received in connection with the aforementioned REO property that are made payable to the order of Owner; Selling, transferring, or disposing of, or leasing, real property or personal property constituting Designated Assets as such terms is defined under that certain Asset Management and Disposition Agreement dated August 3, 2000 and executing all contracts, agreements, deeds, assignments and other instruments necessary to effect any such sale, transfer or disposition or any lease and to receive proceeds checks payable to the order of Servicer all in a manner consistent with such Asset Management and Disposition Agreement. Preparing, executing and delivering deeds, certificates of title or other title documents to vest title to real or personal property in the purchase of any Designated Assets. Owner further grants to Servicer full power and authority to do and perform all acts necessary in the sole discretion of service to carry into effect the powers granted by or under this Limited Power of Attorney as fully an Owner might or could do with the same validity as if all and every such act had been herein particularly stated, expressed, and especially provided for, and hereby ratifies and confirms all the Servicer shall lawfully do or cause to be done by virtue of the powers and authority granted and contemplated hereby. Signatures located on last page. IN WITNESS WHEREOF, this power of attorney is duly executed the day and year first above written. IN PRESENCE OF: t) State ofTexas Citifinancial Mortgage Company, Inc. County of Dallas ` On the day _ 2002, before me personally to me known, who being by me duly sworn, did dispose and say [hat hehamt ins an office a 1 111 Northpoint, Suite 100, Coppell, Texas 75019, that he/she is Vice President of Citifinanci I Mortgage Company, Inc., who is the person who executed the foregoing instruments and that he/she knows the seal of said corporation, that the seal a xed to said instrument is such corporation seal, that is was so affixed by order of the board of directors of s d corporation Iejnd that her ed his /her name thereto by like order. b ; Notary Public �^ - -- ): GWENY JONES — MVAI , S_N E %FIRES v SeptamberN 2002